Cigna Overturns Denial of LTD Disability Benefits to Off Shore Oil Rigger Suffering From Post Traumatic Stress Disorder
Prior to filing for long term disability benefits, our client had worked as a night tool pusher on an offshore oil rig. His job required long, stressful hours in a very dangerous and difficult environment. Following an incident at work our client began experiencing troubling dreams, depression, anxiety and panic attacks that were so severe he had to be hospitalized. Following his hospitalization he made a claim for long term disability benefits with Cigna under his employer’s group disability insurance policy.
The First Denial Of Long Term Disability Benefits By Cigna
In reviewing our client’s application for disability benefits, Cigna had his claim reviewed by a behavioral health specialist and one of its internal medical directors. Despite noting the severity of his condition and the need for hospitalization due to suicidal and homicidal ideations occurring throughout the 180 day elimination period, Cigna focused on a single medical record from his doctor, which noted that he was no longer experiencing suicidal or homicidal ideations. Based on this one statement in one medical record, Cigna decided to ignore everything that came before and after it and denied his claim for benefits. The worst part is the fact that this medical record was written two days before the end of our client’s elimination period was to end and benefits were to be paid! Cigna’s position was that our client only satisfied 178 days of the 180 day elimination period, and was therefore not disabled or entitled to benefits.
The First ERISA Appeal Submitted to Cigna
Following receipt of the Cigna denial letter, our client contacted Dell Disability Lawyers and consulted with Attorney Stephen Jessup. Attorney Jessup obtained and reviewed Cigna’s claim file and noted that crucial medical records relating to our client’s hospitalization, as well as records from some of his treatment providers were not present. Particular focus and attention was paid to the medical records that corresponded to the period of time in which Cigna had determined our client was not “disabled,” as Attorney Jessup knew that Cigna would potentially argue that our client would be deemed disabled as of the time of the filing of the appeal, but that he was not at the time of denial and therefore he still failed to satisfy the elimination period. Attorney Jessup coordinated with our client’s doctors to clarify records and expand upon their opinions as to the disabling nature of our client’s condition. Armed with additional medical records and updated opinions and letters from his treatment providers, the appeal was filed.
The Second CIGNA Disability Denial Required Another ERISA Appeal
The appeal was filed. However, Cigna was not ready to give up without an additional fight. In denying the appeal Cigna had turned its attention away from the argument that our client had not satisfied the elimination period in the policy to an all too common argument that there was no clinical evidence to support our client’s inability to perform the duties of his occupation. Despite the incredibly detailed medical records and reports submitted with the first appeal, Cigna was not moved. Following the denial, our client was faced with the option of bringing a lawsuit against Cigna or undertaking a voluntary appeal offered. Attorney Jessup consulted with and advised our client that the filing of a voluntary appeal could save him from protracted litigation and afford one last opportunity to make his claim as strong as possible if a lawsuit had to be filed.
The Second Appeal
Not backing down, Attorney Jessup acquired the updated claim information created by Cigna in support of its second denial of our client’s claim. Review of same revealed Cigna’s tactic for denial and allowed Attorney Jessup to prepare the proper counter arguments not only to the reason for the most recent denial, but also the arguments he expected would flow from same. Attorney Jessup coordinated for additional testing that would help support the restrictions and limitations expressed by our client’s doctors and reached out to them for further comment on Cigna’s denial. When the additional testing and information was complete, the second appeal was submitted.
The Final Decision by Cigna
Even faced with additional medical documentation supportive of our client’s claim for benefits under the Policy, Cigna continued to be contentious during the appeal review process. Cigna employed customary tactics of requesting treatment providers to respond to reports and letters within a short timeframe with failure to do so resulting in a final review based on the reports generated by Cigna’s medical reviewers. Attorney Jessup was aware that Cigna would attempt same and took preemptive steps in the appeal to ensure Dell Disability Lawyers would not be bypassed in the process. As a result, Attorney Jessup followed up with all of our client’s doctors to ensure responses and/or information requested was provided within the time frame established by Cigna.
Following a request for a 45 day extension to render its decision on our clients final appeal, Cigna was eventually left with no choice but to overturn its denial of our client’s claim for benefits and forward all benefits owed. Of note is the fact that our client’s policy contained a 12 month limitation on benefits for disability caused by Mental Health disorders. Our client’s fight with Cigna took over a year before he was awarded what was rightfully his.
Are You On Claim For A Mental Health Disorder?
In our experience speaking with hundreds of insureds, many believe that when their disabling condition is subject to a limited pay period the insurance company will not fight the claim as hard because they are only “on the hook” for a limited period of time. This case serves as a potent reminder that even when an insurance policy has imposed benefit limitations in a policy for conditions such as Mental Health disorders, they will still review and fight the claim as hard as they would any other claim not subject to a limited benefit pay period limitation. If you are on claim for a Mental Health disorder or are thinking of filing a claim, please contact Dell Disability Lawyers for a free consultation.
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Cigna Reviews
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Lincoln Financial
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Answered Questions by Our Lawyers
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Showing 8 of 48 Answered Questions
Q: I filed an appeal and lost. Is it worth pursuing?
A: Kim, in my opinion, yes. If you are still within your timeframe to file a lawsuit you have little to lose in t... Read More >
Q: Do I have a case for STD? I was denied twice because a) I hadn't been a fulltime employee for 6 months and b) I had ben on FMLA since Febury.
A: Frank, we would need to see a copy of the denial letter and the policy. Please feel free to contact our office... Read More >
Q: How can I appeal Cigna's decision if there are no written communications explanation the reasons for claim termination?
A: Tret, Cigna will be required by law to provide you with a written denial letter setting forth its reason for t... Read More >
Q: Is there a process for appeals not being responded to in the time given? Also, how do I access my records?
A: SB, ERISA provides 45 days to render a decision on appeal with the possibility of a 45 day extension- basicall... Read More >
Q: Is it worth is to go to court over $2500?
A: Mark, If you have no additional appeals your only option would be to find representation to file a federal law... Read More >
Q: How long will it take Cigna to get back to me? Will my military retiree pay be held against my policy 60%? Will Cigna exploit the disparity in the medical community over my illness?
A: Craig, Unfortunately it can sometime take up to 45 days to receive a decision from Cigna as to your entitlemen... Read More >
Q: Do I have any options to void an agreement I signed? Can Signa offset my SSDI benefits?
A: Donna, I do not know if you would have any avenues to void the agreement you signed. Regardless of agreeing th... Read More >
Q: Can I sue Cigna even if they do end up paying me?
A: Linda, If your policy is governed by ERISA you will need to go through the administrative appeal process prior... Read More >
Helpful Videos
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Showing 12 of 910 Videos
Disability Benefit Tips
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Showing 8 of 331 Benefit Tips
Is Cigna Seeking To Offset Disability Benefit by Social Security Survivor Benefit?
I recently spoke with a gentleman who called into our office who has been receiving long term disability benefits from Cigna for several years and is also receiving Social Security disability benefits. Employer provided disability policies contain what is known as an “Other Income” provision that identifies all the sources of income that will offset your monthly benefit- the most common of which is Social ... Read More >
Is Cigna's Denial of Your Appeal Really a Denial?
Following the submission of your appeal has Cigna sent you a letter stating that after review of the information provided on appeal their decision to deny your claim was correct but also providing you a copy of their medical reviews?Recent changes by the Department of Labor to ERISA regulations now require that a disability insurance company provide you an opportunity to respond to adverse information crea... Read More >
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 potent... Read More >
Are Cigna Short Term Disability Denials on the Rise?
When it comes to claims for short term disability benefits under ERISA governed group policies, more often than not the short term disability policy is not underwritten by an insurance company, but rather it is administered by an insurance company. What this means is when a policy is underwritten by an insurance company the insurance company financially funds the disability benefit to be paid from its own asse... Read More >
Cigna's latest strategies for handling and denying disability benefit claims
Watch Gregory Dell and Stephen Jessup discuss Cigna's latest strategy for handling disability benefit claims. This video has some tips which may help you to secure disability benefits. Any of our lawyers are available for a free initial phone consultation to discuss your claim.... Read More >
Is a Claimant's Complaints of Pain Enough to Qualify for Short or Long Term Disability Insurance Benefits?
The answer to this question applies to the vast majority of long term disability insurance claims that we handle on a daily basis. Pain is subjective. This means that there is no medical device or verifiable method for confirming pain. A claimant's ability to collect disability benefits based upon pain will depend upon the level of documentation and treatment received from treating physicians. In a recent case... Read More >
Is My Insurance Company Allowed to Take An Offset of My Monthly LTD Benefit for Social Security Benefits My Kids Receive As A Result of My Disability?
It is common practice for insurance companies to find ways to limit the amount of money they have to pay to claimants. If you are receiving long-term disability benefits from a policy governed by ERISA, you have most likely been required to also file for Social Security Disability Income benefits. Insurance companies write this requirement into their policies so they can reap the benefits of any past money awa... Read More >
Is My "No-Fault" Auto Insurance Settlement an Offset Under My Long Term Disability Insurance Policy?
If your policy is an employer provided group disability policy governed by ERISA, then any proceeds you receive from a settlement based on "No fault" auto insurance may very well be subject to repayment as "Other Income Benefits." This situation came to light in a recent federal court case in Michigan against Life Insurance Company of America (LINA-more commonly known as Cigna) and serves as a warning to any c... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases
Dell Disability Lawyers successfully appeal denial of benefits to claimant with CRPS/RSD
Ms. S contacted our firm after receiving a letter from her disability carrier, Cigna, denying her claim for short term disability benefits under her employer sponsored disability plan. Ms. S was suffering from multiple ailments including a rare, often misunderstood condition called Complex Regional Pain syndrome (CRPS), also known as Reflex Sympathetic Dystrophy (RSD). At the start of the claim, Cigna accepted... Read More >
LINA overturned its previous LTD denial for Medical Technologist
Our client, Ms. H, formerly worked as a Medical Technologist for a National Clinical Laboratory. In July 2017 a number of medical issues, including psoriatic arthritis and osteoarthritis forced Ms. H to stop working and submit her claim for disability benefits under her employer’s long-term disability (LTD) policy, which was funded and administered by LINA. Under her employer’s disability policy she would ... Read More >
Dell Disability Lawyers Successfully Appeals Denial of Benefits to Former Clinical Therapist
Mr. S contacted our firm for help fighting CIGNA after receiving a letter cutting off his benefits. He had received less than a year of benefits when CIGNA scheduled an Independent Medical Examination (IME) due to a lack of response from Mr. S’s treating physicians.Some carriers, like CIGNA, will immediately exercise their right to schedule an IME if they request claim forms from doctors and do not recei... Read More >
CIGNA overturned previous denial of both long term disability benefits for Massachusetts IT Procurement Specialist
Our client, Ms. K, formerly worked as an IT Procurement Specialist for a large international technology company, which required “sedentary” work functional capabilities. In April 2015 a number of psychiatric issues, including the debilitating co-morbid effects of anxiety, depression, alcohol dependence and PTSD forced Ms. K to stop working and submit her claim for disability benefits first under his employ... Read More >
CIGNA overturned its previous denial of both short term and long term disability benefits for Michigan Senior Personal Banker
Our client, Ms. C, formerly worked as a Senior Personal Banker for a large national bank, which required “light” work functional capabilities. In July 2016 a number of medical issues, including the debilitating co-morbid effects of Sternal Osteomyelitis, Arthritis, Depression and PTSD forced Ms. C to stop working and submit her claim for disability benefits first under her employer’s short-term disabilit... Read More >
Respiratory Therapist whose claim was denied without a proper review gets LTD claim approved after Appeal to CIGNA
A Respiratory Therapist was forced to stop working due to bilateral degenerative knee conditions which required a total knee replacement. Over time, the knee problems resulted in worsening lumbar spine problems, which required surgical intervention as well as numerous steroid injections and physical therapy treatments. The severe lumbar spine pain, as well as degenerative conditions in her knees, prevented her... Read More >
Cigna reinstates disability benefits to Project Manager on Appeal
Prior to filing for disability insurance benefits our client worked as an executive level Project Manager. She initially went out of work following the removal of a brain tumor, which resulted in complications of bilateral diploma (severe double vision), hearing loss and migraines. Initially, Cigna approved her claim for benefits and issued long term disability benefits for approximately a year before determin... Read More >
Trinity Health Care Registered Nurse wins Cigna long term disability Appeal
After receiving Long Term Disability (LTD) benefits for two years due to severe back conditions, a Nurse who formerly worked at Albany Memorial Hospital (which is part of the Trinity Health System) was denied continued LTD benefits after Cigna made a determination that she no longer satisfied the definition of disability under the policy.The timing of such a denial is very common in the disability insuranc... Read More >
Disability Lawsuit Stories
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Get Your Disability Application Approved
Our goal is to get your application for disability insurance benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their hired gun doctor.
Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.
Submit A Strong Appeal Package
If your disability insurance benefits have been wrongfully denied, then our disability insurance lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.
Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of disability. We encourage you to contact any of our long-term disability attorneys for a free immediate review of your disability denial.
Sue Your Disability Company
98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability insurance attorneys have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the little guy against the multi-billion dollar insurance company giants.
We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.
Prevent A Disability Benefit Denial
Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.
Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.
Negotiate a Lump-Sum Settlement
Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.
Questions About Hiring Us
Who are Dell Disability Lawyers?
We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.
Our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement in more than 98% of our cases. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.
We offer disability insurance attorney representation nationwide and we welcome you to contact any of our LTD lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 900 videos and regularly provide tips to help protect your disability benefits.
Who do you help?
Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.
Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.
A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.
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 insurance 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 phone, email, fax, or video conferencing sessions. 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 insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers 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.