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.

Continue Reading

In Hester v. Life Insurance Company of North America, a recent case out of the Eastern District of Kentucky, the widow of a deceased employee of CSX attempted to bring an ERISA action, alleging that LINA wrongfully denied her claim for death benefits nearly eleven years earlier. Finding plaintiff’s civil action to be untimely, the Kentucky court entered judgment in favor of LINA.
Continue Reading

Disability Blog & Cases:
Microsoft Employee Sues Prudential For Wrongful Denial Of Long-Term Disability Benefits

A Washington lawyer just filed a federal lawsuit against The Prudential Insurance Company of America (Prudential). The Plaintiff, Jewel T., worked as an Escalation Specialist for Microsoft. This employment entitled to the Plaintiff to short-term and long-term disability benefits via

Disability Blog & Cases:
Clopay Corporation Customer Service Representative Sues Prudential For The Wrongful Denial Of Long-Term Disability Benefits

An attorney recently filed a federal lawsuit in the Ohio district court against The Prudential Insurance Company of America (Prudential) and Clopay Corporation Long-Term Disability Coverage (Clopay). The Plaintiff, Kimberly G., was employed as a Customer

Disability Blog & Cases:
Radio personality files lawsuit against UNUM to recover disability benefits

A Radio Station employee and her Montana disability lawyer filed a lawsuit against UNUM Group in Montana Federal Court alleging that the insurer violated the Employee Retirement Insurance Security Act of 1974 (ERISA) when it wrongfully denied her entitled disability benefits

Disability Blog & Cases:
Disabled South Carolina doctor sues Berkshire Life for disability benefits

A South Carolina disability attorney recently filed a federal lawsuit in South Carolina against the Berkshire Life Insurance Company of America. The plaintiff, a physician, paid for disability policies that were underwritten and insured by Berkshire. When the doctor applied for

An Illinois disability attorney, on behalf of a FedEx employee, recently filed a lawsuit at the District Court for the Northern District Of Illinois against the Life Insurance Company of North America (now part of CIGNA Group) for wrongfully classifying the post of a Line Haul Manager as a sedentary occupation thereby resulting in the

Disability Blog & Cases:
Oregon Judge orders Standard Insurance Company to pay disability insurance benefits beyond the 24 month mental disorder limitation

In James F. Kitterman Vs Standard Insurance Company and Standard Select Trust Insurance Plans, the plaintiff, through his Oregon disability attorney, brought an ERISA action against the Standard Insurance Company (Standard) seeking

Disability Insurance Law TV:
Who makes the final decison to approve or deny disability insurance benefits?

Is it the disability insurance claim representative or hired insurance company doctor that makes the decisional to approve or deny benefits?


FAQ | Overpayment Issues:
Can Veteran Disability Benefits be deducted from my monthly long term disability insurance check?