Long-term disability insurance provided by your employer protects you if you are unable to work due to a serious health condition, illness, or injury. Cigna is one of the leading providers of these policies, but its practices have resulted in wrongfully denied claims, leaving some policyholders angry and confused when their benefits are denied.
If you have received a Cigna disability claims denial, you are not alone. At The Garner Firm, our experienced long-term disability attorney can guide you through the complex process of filing an appeal.
Cigna is a familiar name in the insurance industry, offering a variety of benefits through its numerous subsidiaries, including Insurance Company of North America, or INA. But that familiarity may result in a false sense of confidence. The fact is disgruntled consumers file more than 200 complaints against Cigna each year through the Better Business Bureau (BBB), earning it a dismal one-star rating. Denied claims are one of the most common issues listed.
These bad experiences are often not isolated incidents, and can even be indicators of system-wide problems. In 2013, Cigna agreed to pay $77 million to settle allegations that its subsidiaries had improperly handled long-term disability claims in four states, including Pennsylvania, over a period of several years.
When you are unable to work due to an injury, illness, or chronic health condition, employer-provided long-term disability benefits can offset income losses. Receiving a Cigna disability claim denial can threaten the financial security of both you and your family. At The Garner Firm, we take the steps needed to ensure your rights to these benefits are protected. In denied Cigna disability claims, these actions may include:
In dealing with a Cigna disability claims denial, there are complex federal laws that apply. The Employee Retirement Income Security Act of 1974 (ERISA) provides strict guidelines in how employer-provided insurance benefits are administered and governs the appeals process. It is important to realize you have a limited time to file an appeal and dispute Cigna’s claims.
At The Garner Firm, we act as a strong legal advocate on your behalf in this situation. Our Philadelphia LTD appeals attorney can take the following actions for you:
To get the professional legal representation you need in appealing a Cigna disability claims denial, reach out to the Garner Firm. You can count on our extensive knowledge and experience in ERISA and how it applies to help you get the best possible outcome in your case. To request a consultation, call or contact our LTD appeals attorney online today.
Adam helped me with my LTD case. His knowledge and thoroughness was outstanding. He communicated every aspect of the process and case in an extremely detailed and timely manner. He also took the time to answer any questions I had as a person going through it for the first time. I could not recommend him more for anyone in a similar situation.
Adam and his team are great. They did an excellent job helping my family when we were really losing hope. Adam is very professional and has excellent knowledge to protect your rights. If you choose Adam you will talk directly with him. It was a truly pleasant experience. I’m extremely thankful that I chose the Garner firm. I highly recommend them.
Adam Garner provided excellent courteous and considerate service in helping me resolve a long term disability claim. He was accessible, knowledgeable and exercised the good judgement necessary for us to be successful. I heartily recommend his expertise and services
This review is long over-due!
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Throughout my relationship with The Garner Firm, there was never a time that I felt uninformed where my case stood. Attorney Adam Garner focuses on making sure his clients are well informed throughout their legal battle. I can reassure any prospective clients that Adam will maximize all his resources and fight to the MAX in order you’re reasonably compensated.
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