Cigna Disability Insurance Policy holders often do their appeal on their own. Cigna doesn’t tell a policy holder everything they need to include in their appeal, but Disability Insurance Attorneys Dell & Schaefer will tell you what you need to know, before you file your appeal.

GREGORY DELL: Hi, I’m Attorney Gregory Dell here with Attorney Cesar Gavidia. And Cesar, in this video, I want to talk about people who have had their long-term disability claim denied by CIGNA Disability Insurance Company, also known as LINA Life Insurance Company of North America.

CESAR GAVIDIA: It’s true.

GREGORY DELL: And people try sometimes to do their appeal on their own. And the reason they do that is because when they get denied, the claim rep calls them kind of most of time in a nice manner. Customer service says, I’m sorry, but we just don’t have enough support for your claim. Can you go ahead and submit an appeal? You have 180 days to do it – 180. And then, someone else is going to – not me, but someone else is going to review the claim. And that’s because the ERISA regulations require them to do that.

So what I want to get into here is for the person who’s been denied, first off, what’s the most important thing of an appeal, number one? And then, we’ll go through some other things.

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As experts in long-term disability insurance claims, attorneys Greg Dell and Stephen Jessup explain the intricate layers involved in disability benefit denials and related lawsuits. Assuming that an individual by Cigna has completed all possible appeals and is now faced with filing a lawsuit, here’s a look the roadmap for filing that suit. From filing timelines to realistic expectations and possible remedies, these Dell & Schaefer disability insurance attorneys dig from a deep well of experience handling hundreds of Cigna claims, appeals and lawsuits across the country.

From Denial Letter to Lawsuit Filing

So, you’re holding a denial letter in your hand and have no idea what your options are – or even if any hopes of reprisal exist. The letter states that you have exhausted all remedies and the matter is closed. But that’s far from reality because that’s the point at which ERISA allows you to file a lawsuit to reassert your rights and claim legitimate disabled status.

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It seems that claimants are denied long term disability benefits by CIGNA every day. CIGNA’s denials are predictable and tend to follow the same denial techniques from one claim to the next. After a LTD denial claimants are forced to go through the appeals process to get back on claim and with CIGNA it seems almost impossible to convince the appeals department to overturn an initial denial of benefits.

Such was the case with Ms. Sangha as she was left with no other option but to file a lawsuit against CIGNA in a California federal district court.

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