CIGNA Wrongly Denied Disability
Consumers who have CIGNA insurance may have been victims of CIGNA denied disability claims, in which CIGNA is accused of violating consumer protection laws. Recently, a regulatory settlement was announced with five states, settling claims that CIGNA' claims-handling procedures did not conform to required standards.
FREE CIGNA DENIED DISABILITY LAWSUIT EVALUATION
CIGNA Insurance ClaimsConsumers allege their long-term disability claims were not properly processed by CIGNA employees, resulting in improperly denied disability claims. Regulators in five states investigated CIGNA for allegedly denying initial and ongoing claims that should have been approved, and for terminating payments.
Insurance companies are required to act in good faith when dealing with customers and policyholders. Often, though, they do not live up to this requirement. They use a variety of tactics to avoid or delay making payments to policyholders, including fighting or ignoring medical diagnoses, denying claims without carrying out a proper investigation or evaluation, claiming that necessary paperwork was not sent in time, requiring duplicate and triplicate copies of forms be filled out, and drawing out the investigation process.
Unreasonably denying or delaying a claim is known as bad faith insurance, and many insurance companies have been accused of practicing bad faith insurance.
CIGNA Regulatory SettlementIn May 2013, CIGNA reached a regulatory settlement with five states concerning its handling of long-term disability claims. The settlement required CIGNA Group to:
Improve its claims handling procedures;
Establish procedures to allow the improved claims-handling procedures to be applied to previously denied claims in the states affected by the settlement;
Undergo a two-year monitoring program;
Pay fines and fees of more than $1.5 million.
Included in the settlement were California, Connecticut, Maine, Massachusetts and Pennsylvania. Consumers in each of those states who had their claim denied or payment terminated could have their claims reevaluated. The settlement follows targeted marked conduct examinations that were undertaken by the insurance departments of Maine and Massachusetts beginning on September 15, 2009. Those examinations looked into whether CIGNA conformed to national requirements for claims-handling procedures. Among the irregularities found were not considering the opinions of independent physicians, ignoring decisions made by Social Security and not including workers compensation records in the decision-making process.
As a result, CIGNA has set aside around $77 million to settle claims that were previously denied and may be overturned.
Also involved in the settlement were CIGNA subsidiary companies, including Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company and Life Insurance Company of North America.
CIGNA Denied Disability Legal HelpIf you or a loved one has suffered similar damages or injuries, please click the link below and your complaint will be sent to a Denied Disability Insurance lawyer who may evaluate your claim at no cost or obligation.
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Then be prepared to spend about six months putting together your appeal with your lawyer. My appeal was nearly two inches thick.
And yes, I won my first appeal.
Disappointed in Cigna, they were supposed to take care of me if I was disabled, that's what I paid the premiums for.
Where do I go from here? Court and sue for punitive damages as well as the benefits?
Leland Winchester, by wife Deborah Winchester
I have 3 kids at home and we are at a point of losing our home.
My husband LOVED HIS CAREER, it was stripped away, now Cigna can drop him without any explanation or without the social security evaluation that declared him disabled. In my opinion, they are NEGLIGENT!!!!
I have my primary doctor letter explaining my illnesses and along with x rays, mri, blood work and physicals. I am now 4 months with no income and for the first time in my life, I cannot buy and pay for my own food. Cigna paid my benefit for several months and cut me off without notice. What a shock. I now have severe panic attacks that wake me up, if I am able to sleep.
They need to be stopped. I will also start writing all the government agencies that can help. I met with an attorney today and will also file suit against Lowes, for offering a policy and stating that it would give me financial peace of mind should I become unable to work because of an illness or injury.
To think I kept thinking they were going to do the right thing.
*Please voice and file complaints with your particular states insurance department or department that handles such complaints. The more people that let their voices be heard, the more we can fight the lobbyist’s efforts to help CIGNA get away with what they do…..*
Then get a good lawyer if necessary, as CIGNA has lots of clout…..
I paid for LTD (Long Term Disability) coverage/benefits for over 15 + years. When the coverage was needed CIGNA has done nothing, but make the process extremely difficult, making It clear the object is to make the claimant give up.
My claim went from PSL/STD (Personal Sick Leave/Short Term Disability) to LTD (Long Term Disability) with the same incident number, with CIGNA handling from the start.
I have been out of work since April 11th 2014. SSDI has determined me to be permanently disabled and will re-examine my case December 2017.
CIGNA now states they need an IME as there is not sufficient proof/documentation to support my disability claim. I know the contract gives them the right for an IME, but they have plenty of documentation, it is just to make it more difficult. Also Google CIGNA and IMEs to see how much fun that is.
To date my claim has been denied three (3) times (one of which was verbal), with each denial being appealed and then overturned, showing CIGNA just wants to see what they can get away with. Two (2) denials were in writing, one (1) was verbal, but all three (3) appeal letters are on file.
I have already file a complaint of BAD FAITH PRACTICES and DISCRIMINATION AGAINST PEOPLE WITH MENTAL ILLNESS through the New York State Insurance Department – New York State Department of Financial Services. Their claim is currently in closed status as CIGNA was paying me and my claim covered at that time. They advised me to cooperate with CIGNA, provide the requested information by both myself and my medical providers. If denied for a fourth time to call New York State Department back, at which time they will reopen my claim and investigate my allegations.
CIGNA can see all the paperwork and supports in my file. I have given CIGNA more than ample information/supports to substantiate my claim.
Know that I will not go down without a fight. I will write to every blog, government and state agencies, and review for an attorney to seek not only what I am entitled to for LTD benefits, but also court costs, and most importantly of all punitive damages.
I have work for approximately 33 years, of which 29+ years had no gaps in employment. I have never collected unemployment benefits, been on welfare, or any other assistance. I had no other option, but to no longer work. Between my illness getting worse with age, the work environment getting increasingly demanding and more stressful year after year.
Also with some of my physical illnesses being caused directly or indirectly due to my mental health issues and some of my physical issues limiting treatment for my metal issues as well as exacerbating them, there was no more options.
I struggled for years to attempt to keep working with things getting to the point of have a near nervous breakdown every day of the week. I am lucky to date I have not had a heart attack. My wife and I, even though low middle class, gave a substantial amount of or income and belongings to charity. All of which demonstrates I am no system sucker.
Also check out Wikipedia regarding CIGNA, and I am sorry for those honest claimants just trying to get what you paid for.