Cigna Long Term Disability Insurance Claims

The attorneys at Frankel & Newfield have successfully represented many CIGNA disability insurance policyholders in their fight to obtain or hold onto their short term and long term disability insurance benefits. We work with clients on CIGNA short term disability claims, as well as long term disability insurance claims.

We can help CIGNA claimants at various stages of their claim, to help ensure that they are treated fairly and get the short term or long term disability insurance benefits that they deserve.

Claim Filing and Monitoring – we help claimants with their initial claim processing, for both short term disability insurance and long term disability insurance claims. By being involved at this early stage of the disability claim process, we can help to ensure that our client’s doctors are able to articulate the functional impairments and deficits faced by our clients, to support the claim. We also address any requests for physical or psychological examinations during the claim process, or a request for a Functional Capacity Evaluation.

ERISA appeals of denied or terminated claims – we help claimants whose claims have been denied or terminated and are required to undertake an ERISA appeal, before they have the ability to pursue litigation against CIGNA. Our appeal formula for success in overturning a denied or terminated long term disability insurance claim addresses a myriad of issues including medical, vocational, factual and legal. We create a robust appeal that has a dual audience – first is CIGNA, trying to get them to overturn their claim determination. The second is the Federal Judge who may ultimately have to decide your claim if CIGNA does not change their mind.

ERISA litigation – we help claimants pursue their rights against CIGNA in Federal Court. We have successfully litigated against CIGNA on scores of occasions, and have an intimate knowledge of how CIGNA’s claim handling works, and its strategies in litigation. Leveraging our experience in litigation leads to the most advantageous results for our clients.

CIGNA disability claims disputes led to a $77 million settlement in 2013 following investigations by insurance commissioners from Connecticut, California, Massachusetts, Pennsylvania and Maine regarding improper denials of long-term disability claims and wrongfully terminated benefit payments.  The settlement also required Cigna to improve their claims handling processes and establish a program to review long term disability claims that had been improperly denied or terminated.

Some of the specific allegations against CIGNA were the following:

1.    Failing to adopt and implement reasonable standards for the prompt investigation and processing of claims arising under its insurance policies;

2.    Failing to represent to claimants pertinent facts or insurance policy provisions relating to a coverage at issue;

3.    Unreasonably denying claims where it was aware that the information it required for potential entitlement to benefits existed but was not obtained or reviewed prior to making the denial decision;

4.    Failing to perform any functional testing or peer review of medical records on file;

5.    Failing to consult with health care professionals who have appropriate training and experience in the field of medicine involved in the medical judgment;

6.    Terminating claims during the “any occupation” definition of disability without performing a transferable skills analysis and labor market survey to identify alternate occupations appropriate to the claimants based on their restrictions, limitations, education, training and experience;

7.    Failing to provide complete information in the file to the health care expert performing a medical review of the records;

8.    Failing to clarify a claimant’s restrictions and limitations with the attending physician who was supporting disability.

As a result of its settlement with the numerous insurance departments who investigated these issues, CIGNA agreed to adopt various “enhanced” procedures, including the following:

1.    Given more appropriate consideration to awards of Social Security Disability Income (SSDI);

2.    Gathering and analyzing medical records for the claimant’s full medical history;

3.    Enhancement of its use and selection of External Medical Resources;

4.     Providing full and complete documentation to its various vocational and medical resources.

If you have had your LTD claim denied or terminated by Cigna between 2008 and 2010, it is possible that you are among the many claimants entitled to a review of your claim as part of the settlement.

More recent claims may still be subjected to many of the above-noted deficient claim handling approaches, which have already been determined to be problematic.  All Long Term Disability insurance claimants on claim with CIGNA should carefully consider whether CIGNA is upholding its obligations under the settlement.

Regardless of when your long term disability insurance benefits were denied or terminated, you need the skilled guidance of an experienced disability insurance attorney that has represented Cigna claimants.  Call our office today for a free consultation at 877-LTD-CLAIM (877-583-2524).  Frankel & Newfield represents clients nationwide.

CIGNA sells healthcare options to individuals and large companies, but the bulk of its sales of long term disability insurance plans are sold to associations and unions. The policies mostly offer a very limited “own occupation” term, and once that short term expired, the definition of disability shifts to “any occupation.”