What Should a Claimant Expect When Suing Cigna or any other disability company for Long Term Disability Benefits?
ERISA disability lawsuits are complicated due to the pro-insurance company laws. Our disability attorneys have handled thousands of ERISA disability lawsuits and Cigna is one of the companies that we sue on a routine basis. In this video, attorneys Cesar Gavidia and Gregory Dell discuss the fundamentals of a disability lawsuit against Cigna. If you have a potential LTD lawsuit or any claim denial, please contact any of our attorneys for a free consultation.
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There are 2 comments
Based on timeline you provided it appears that Hartford had denied your claim in 2013. You would have likely had 180 days to appeal Hartford’s denial. The major concern at this point is the potential lapse of the statute of limitations to take legal action. Group long-term disability policies often contain “legal action” provisions which limit the statute of limitations. A statute of limitations limits the timeframe in which you have to file a lawsuit. You should reach out to an attorney immediately to discuss your options, otherwise the statute of limitations in your case may soon lapse, if it has not done so already.
Cesar GavidiaFeb 11, 2018 #2
Former director of operations was advised by multiple doctors I should be on disability due to back issues. After 3 years, listened to them and threw in the towel in 2011. Approved for SSDI in under 2 months. Hartford began paying LTD.
Approximately 2 years later, they decided to review the claim. I explained I had had an unsuccessful back surgery and was awaiting scheduling for a more complex operation on my back. Also explained I was suffering from anemia leading to chronic tiredness. They decided I was able to return to work (no explanation provided as to how I had improved). Subsequently underwent an 9 hour surgery on my back which left me in worse condition.
As there was only approximately $9-10000 left in disability payments before the policy would expire, I feel they denied it feeling there was not enough money left in the claim to make it worthwhile to take legal action. Complete file available. Thoughts?
Dave S.Feb 10, 2018 #1
Do you work in my state?
Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.
What are your fees?
Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.
The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.
In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.
Do I have to come to your office to work with your law firm?
No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.
How can I contact you?
When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.
I found Rachel to be a pleasure to work with. She was open and honest with me from the start regarding the expectations of settling my claim. Once the initial offer was made she kept constant communications with me to assure I was aware of the progress with the negotiations process.