You opted into your employer’s long-term disability (LTD) insurance plan with Cigna for the peace of mind it provided. You thought it would cover you and help your family if you had to take significant time off of work due to an injury or illness. However, your LTD claim was denied, and you don’t know where to turn. Fortunately, it may be possible to appeal Cigna’s denial.
Cigna Is Known for Denying Claims in Ohio
As an insurer for companies like Honda, Cigna is a big player in the Ohio insurance game. Unfortunately, it doesn't always follow the rules. According to a recent study, Cigna and its subsidiaries deny more long-term disability claims each year than any other insurer, and not always for valid reasons. In the last ten years, there have been at least 62 bad-faith court cases filed against Cigna. So if Cigna denied your LTD claim, you're not alone.
What You Should Do If Cigna Denies Your Claim
If your employer provided your Cigna long-term disability insurance, it's probably governed by the Employee Retirement Income Security Act (ERISA). If you have to file an administrative appeal, be prepared for a difficult battle. Your first steps should be to:
- Review the denial letter. You first need to understand why your claim was denied. Under ERISA, Cigna must provide a detailed explanation for the denial and tell you about your right to appeal.
- Gather evidence. Given Cigna’s reason for denying you, the next step is to gather evidence to counter their claims. This might include witness statements, medical records, employment records, and statements from vocational experts.
- Call an ERISA attorney. Not every attorney is equipped to handle ERISA claims. You'll need to find an attorney who is willing to take on Cigna within the constraints of ERISA law.
It’s important to understand you don't have to face Cigna alone. You should have an attorney help you with an appeal.
Monast Law Office Accepts ERISA Appeals
If Cigna denied your long-term disability claim, contact my office in Upper Arlington. I'll review your denial letter and help you launch a successful appeal. To learn more about ERISA claims, request a free copy of my book, Don’t Go it Alone: How Insurance Companies Sabotage Disability Claims.