Cigna Long-Term Disability Denial
Long-term disability insurance issued by The Cigna Group is supposed to help people provide for their families if they get sick or hurt. However, Cigna may deny valid claims to boost its profits. If you’re facing a Cigna disability claim denial, a lawyer may be able to help you appeal the decision or file a lawsuit.
Get a free case review now to see if we can connect you with a top Cigna disability denial attorney.
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About Cigna Disability Claim Denials
Cigna offers short-term disability and long-term disability (LTD) insurance to help people protect themselves financially if they’re unable to work because of an injury or illness. However, Cigna has a pattern of wrongfully denying claims, leaving many of its customers without the benefits they’re entitled to.
Reasons for Cigna long-term disability denials include:
- Claim processing errors by Cigna’s own employees
- Lack of medical proof of disability
- Missing or incorrect claim information
An unjust Cigna disability claim denial can be frustrating and leave your family without the financial resources it needs during this challenging time.
A California lawsuit filed in July 2023 accuses Cigna of using a computer algorithm to reject over 300,000 health insurance claims without examining them individually as required by state law.
Under a federal law known as the Employee Retirement Income Security Act (ERISA), policyholders have the right to appeal a disability insurance claim.
Working with an experienced disability attorney can increase your chances of a successful outcome. See if a top Cigna disability claim denial lawyer near you can fight for the compensation and justice you deserve.
What to Do After a Cigna Disability Denial
If you’re dealing with a Cigna disability claim denial, you may have legal options. An experienced lawyer can review the facts of your case and pursue the benefits you’re owed on your behalf.
A long-term disability denial lawyer may be able to:
- Gather evidence to show you meet Cigna’s long-term disability qualifications
- Appeal your Cigna disability claim denial before any deadlines
- Ask for a second appeal if the company denies your first appeal
- Submit a formal complaint with your state’s Insurance Department
- File a lawsuit against Cigna
- Negotiate an out-of-court settlement
- Present your case in court if a settlement isn’t reached
A lawyer can handle all aspects of the disability appeals process for you, so you can focus on healing and spending time with your loved ones.
With an experienced legal professional by your side, you can rest assured that your paperwork has been filled out correctly, filed before any deadlines, and submitted with sufficient evidence to show you should qualify for benefits.
Get Help from a Cigna Disability Denials Lawyer
People who purchase long-term disability insurance from Cigna trust that the company will treat them fairly and honor their policy in the event that they become sick or injured.
With a net worth of over $100 billion, Cigna has teams of lawyers prepared to defend the company’s actions. A Cigna disability claim denial lawyer can even the playing field and fight for the LTD benefits you deserve.
The Cigna disability lawyers in our network:
- Can help policyholders in all 50 states
- Have years of experience dealing with LTD insurance companies
- Never charge any upfront or hourly fees
Get a free case review now to find out if our Cigna disability denial lawyers can fight for you.
Cigna Claim Denial FAQs
How to appeal Cigna denial for long-term disability?
Appealing a Cigna disability denial can be complicated, so working with a disability lawyer is often the best way to increase your chances of a successful outcome.
A Cigna disability claim denial attorney can:
- Collect proof of your long-term disability
- File your appeal and supporting documentation with Cigna
- Follow up with the company and keep you updated throughout the appeals process
- File a second Cigna disability claim denial appeal if your first one is denied
- Hold Cigna accountable by filing a disability denial lawsuit against it
- Handle all communications with the company on your behalf
With an experienced long-term disability denial lawyer by your side, you can be confident that your appeal will be filed correctly and before any deadlines.
Why would Cigna deny a claim?
A Cigna disability claim denial lawyer can help you understand the reason for your denial and file an appeal on your behalf if the denial was without cause.
Reasons for Cigna long-term disability denials include:
- A pre-existing medical condition
- An error by a Cigna claims adjuster
- Incomplete or incorrect paperwork
- Missing medical records
Your LTD claim denial letter should specify why Cigna rejected your claim for long-term disability benefits.
Written by: Long Term Denial Team