Cigna Long Term Disability Cases

Cigna Long-Term Disability Claims: How Raval Trial Law Can Help You Get the Benefits You Deserve

If you have a long-term disability (LTD) insurance policy through Cigna and are struggling to get the benefits you need, you are not alone. Cigna, like many major insurance providers, has a history of denying, delaying, or undervaluing valid long-term disability claims. At Raval Trial Law, we are dedicated to helping individuals fight for their rights and secure the disability benefits they are entitled to under their policies.

Common Issues with Cigna Long-Term Disability Claims

Cancer can significantly impact a person’s physical, mental, and emotional well-being. Treatment side effects like fatigue, nausea, cognitive impairments, and chronic pain can make it challenging to perform work duties. LTD insurance is designed to provide financial assistance when a medical condition, such as cancer, prevents you from working for an extended period.

Cigna has faced legal scrutiny for its handling of long-term disability claims. Many claimants experience challenges such as:

Claim Denials Without Justification – Cigna may deny claims based on insufficient medical evidence, even when substantial proof is provided by healthcare professionals.
Unfair Medical Reviews – The insurance company often relies on internal doctors who may not fully evaluate the severity of a claimant’s condition.
Delayed Payments – Even approved claims can experience unreasonable delays, leaving individuals without financial support when they need it most.
Termination of Benefits – Some claimants receive benefits for a period before they are unexpectedly cut off due to claims that their condition has improved, despite medical evidence showing otherwise.

Why Cigna Denies Long-Term Disability Claims

Cigna, like other insurance providers, operates with the goal of minimizing payouts. Some of the most common reasons they use to deny claims include:

Lack of objective medical evidence (even when subjective symptoms are clearly disabling)
Claims that the condition does not meet the policy’s definition of disability
Surveillance or social media investigations used to misrepresent a claimant’s ability to work
Failure to meet policy deadlines for filing claims or appeals

How Raval Trial Law Can Help

At Raval Trial Law, we have extensive experience handling long-term disability claims against major insurers like Cigna. Our firm provides comprehensive legal representation to help clients overturn denials and secure the benefits they deserve. Here’s how we can assist you:

1. Reviewing and Strengthening Your Claim
We meticulously analyze your policy, medical records, and claim file to identify weaknesses and strengthen your case.

2. Handling the Appeals Process
We meticulously analyze your policy, medical records, and claim file to identify weaknesses and strengthen your case.

3. Litigating When Necessary
If Cigna continues to wrongfully deny your benefits, we are prepared to take your case to court and fight aggressively for your rights.

4. Protecting Your Future Benefits
If Cigna continues to wrongfully deny your benefits, we are prepared to take your case to court and fight aggressively for your rights.

Contact Raval Trial Law for a Free Consultation

If your long-term disability claim with Cigna has been denied or delayed, don’t face this battle alone. The experienced attorneys at Raval Trial Law are here to help you navigate the complex claims process and fight for the benefits you deserve. Contact us today for a free consultation to discuss your case and learn how we can advocate for you.

Cigna Long-Term Disability Claims: How Raval Trial Law Can Help

Navigating the complexities of long-term disability (LTD) insurance claims can be overwhelming, especially when dealing with a major provider like Cigna. Known for its strict claim review process, Cigna has a history of denying or delaying disability benefits for policyholders, leaving individuals struggling to secure the financial support they need. At Raval Trial Law, we have extensive experience handling long-term disability claims against Cigna, ensuring that our clients receive the benefits they are rightfully owed

Challenges with Cigna Long-Term Disability Claims

Cigna, like many major insurance providers, often employs tactics to minimize payouts on long-term disability policies. Common issues include:

Unjustified Claim Denials – Cigna frequently denies claims based on insufficient medical evidence, even when claimants provide comprehensive documentation.
Excessive Delays – Prolonged processing times and requests for additional documentation can stretch the claims process for months.
Surveillance and Social Media Monitoring – Cigna may use surveillance footage or social media activity to argue that a claimant is not as disabled as reported.
Failure to Recognize Chronic Conditions – Conditions such as chronic pain, autoimmune disorders, and mental health disabilities may not be fully acknowledged by Cigna, leading to claim denials.
Unfair Policy Interpretations – The insurer may selectively interpret policy language to justify benefit denials or terminations.

How Raval Trial Law Can Assist You

At Raval Trial Law, we understand how crucial long-term disability benefits are to maintaining financial stability when you’re unable to work. With years of experience handling LTD cases, including those involving Cigna, our firm is dedicated to fighting for your rights. Here’s how we can help

1. Comprehensive Case Review
We thoroughly assess your claim, medical records, and any prior communication with Cigna to identify any weaknesses in their reasoning for denial or delay.

2. Strengthening Your Medical Evidence
Many claims are denied due to alleged insufficient medical documentation. We work closely with your doctors and specialists to ensure that your medical records clearly support your disability claim.

3. Navigating the Appeal Process
If your claim has been denied, you have the right to appeal. Our team knows how to challenge Cigna’s decision effectively, whether through internal appeals or litigation if necessary.

4. Fighting Bad Faith Denials
If Cigna is found to have acted in bad faith—by unfairly denying, delaying, or undervaluing your claim—we can pursue legal action to hold them accountable.

5. Litigation When Necessary
If internal appeals are unsuccessful, we are prepared to take your case to court to secure the benefits you deserve.

Why Choose Raval Trial Law?

With a proven track record of success in long-term disability cases, Raval Trial Law has helped numerous clients overturn unfair claim denials and secure their rightful benefits. Our team has extensive experience dealing with major insurers like Cigna, and we are well-versed in their common tactics to avoid payouts. We are committed to providing personalized legal representation, keeping you informed at every stage of the process, and aggressively advocating for your rights.

Get the Help You Deserve Today

If Cigna has denied or delayed your long-term disability claim, don’t navigate the process alone. Raval Trial Law is here to help you fight back. Contact us today for a free consultation and let us put our expertise to work for you.