• Cigna ERISA Disability Benefit Lawsuits

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.

Comments (2)

  • Dave,

    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 Gavidia Feb 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

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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.

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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.

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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.

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Emily H. (Massachusetts)

Rachel and team were professional, knowledgeable and competent in helping me with my disability insurance claim denial. I would not have been able to do this work myself successfully.  I had an illness best known as Chronic Lyme (I have more issues than that but that’s what I understood my diagnosis to be at the time of claim denial). This is a complex illness that is plagued with faulty testing, delayed diagnosis, inconsistent prognosis/ treatment outcomes, and vague (deniable) symptoms.

Advances in the disease’s treatment have stalled for decades due to financial & reputational conflicts of interest that exist across the healthcare/ insurance / government industries. It is a major thing to go against, and a very complex & constantly evolving issue, and Rachel was very familiar with all the chronic Lyme ‘inside baseball.’ Not many people want to get involved with anything Chronic Lyme-related if they have a choice. Finding an attorney that has expertise in this area is a rare find, and I can attest to the fact that Rachel meets this hard-to-find criteria and delivered results well beyond what I could have achieved without her.

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