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If you have a Cigna Long-Term Disability Insurance policy 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 Cigna long-term disability benefits they are entitled to under their policies.
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. Cigna 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 struggle with Cigna long-term disability coverage, such as:Â
Cigna, like other insurance providers, operates to minimize payouts. Let’s understand why Cigna long-term disability claims get denied, which can help you prepare a stronger case. Some of the most common reasons Cigna uses to deny claims include:
Cigna’s long-term disability (LTD) insurance is designed to provide financial assistance to policyholders who are unable to work due to a severe medical condition. These policies typically cover 50% to 70% of a claimant’s pre-disability income, offering essential financial relief during periods of illness or injury. However, qualifying for benefits requires meeting Cigna’s strict definition of disability, which often involves extensive medical documentation, physician statements, and ongoing evaluations. Understanding the fine print of your policy is crucial, as coverage limitations, exclusions, and waiting periods can impact your ability to receive benefits.
Despite being a major insurance provider, Cigna has a history of denying or delaying legitimate LTD claims, often citing a lack of objective medical evidence or relying on internal medical reviews that downplay the severity of a claimant’s condition. Additionally, surveillance tactics and social media monitoring are frequently used to dispute disability claims. Even those who receive initial approval may face unexpected benefit terminations during periodic reviews.
 Filing a Cigna long-term disability (LTD) claim requires careful attention to detail to avoid unnecessary delays or denials. To start the process, notify your employer (if your policy is through work) or contact Cigna directly. You must submit a Cigna LTD claim form along with medical records and statements from your healthcare providers supporting your disability.
Cigna may request additional documentation or conduct an independent medical review to determine eligibility. Ensuring that all forms are complete and deadlines are met is crucial. If your claim faces delays or a Cigna disability denial, consulting a long-term disability lawyer can help you navigate the appeals process. Raval Trial Law provides experienced legal support to help you secure the Cigna disability benefits you deserve.
Cigna, like many major insurance providers, often employs tactics to minimize payouts on long-term disability policies. Common issues include:
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’ll secure:
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 Cigna LTD 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.
If Cigna has denied or delayed your long-term disability claim, don’t navigate the process alone. Raval Trial Law is here to help with Cigna Disability Claim. Contact us today for a free consultation and let us put our expertise to work for you.
The approval process for long-term disability claims with Cigna can vary. Typically, it can take a few weeks to a couple of months, depending on the complexity of the case and the amount of medical documentation required. If your claim is denied, you can appeal, which may take additional time.
Yes, you have the right to appeal if your Cigna long-term disability claim is denied. The appeal process involves submitting additional documentation or clarifying your medical condition. It’s advisable to consult a lawyer specializing in disability claims to improve your chances of success.
A lawyer can help by reviewing your policy, ensuring your medical records meet the insurer’s requirements, and guiding you through the appeal process if your claim is denied. Legal expertise is invaluable, especially if Cigna uses tactics like unfair medical reviews or surveillance to dispute your claim.
Cigna's long-term disability benefits typically last for a specific period, which can vary depending on your policy. Some policies provide benefits for a few years, while others may last until retirement age, depending on the nature of the disability and the policy terms.
Cigna's long-term disability (LTD) coverage usually replaces 50%-70% of your pre-disability income if you're unable to work due to illness or injury. It may cover physical or mental health conditions, but the coverage depends on your specific policy, including any exclusions or limitations.
When you consult with Raval Trial Law an experienced Houston trial lawyer at our firm will engage you in a collaborative partnership. We understand the unique challenges associated with insurance disputes, and how to navigate them successfully and in a manner that accomplishes our clients’ objectives. Our practical, results-oriented mindset drives every facet of our legal representation. We are laser-focused on working towards the best possible solution for each client.
