What should I do if Cigna denied my long-term disability claim?

Video Summary

Cigna, a major long-term disability insurance company recently purchased by New York Life, is denying claims across the country.
If your long-term disability claim with Cigna was denied, carefully review the denial letter and consider seeking legal advice.
If your Cigna long-term disability policy is governed by ERISA (Employee Retirement Income Security Act), you have the right to file an appeal.
An appeal allows Cigna to review the denial and decide whether to uphold or reverse it.
If the appeal is unsuccessful, the next step is to file a lawsuit under ERISA in federal court. Hiring an experienced ERISA attorney can be beneficial in handling these complex legal matters.

Contact Our Long-Term Disability Attorneys Today

Long-term disability policies and the law of ERISA strongly favor insurance companies. These laws were not written for consumers, and it is easy to make a mistake in appealing a long-term disability denial. You get only one try at an appeal. For this reason, we strongly recommend you consult with our ERISA-trained long-term disability attorney early in the process.

If you have already appealed a denial and it was still rejected, we can review your appeal to see if we can be of assistance. However, we do not recommend you wait to contact us or that you attempt to appeal your denial without our ERISA-trained attorney. If your appeal was insufficient, contact us immediately because ERISA laws generally prohibit submitting additional evidence later on. For further information, give us a a call at (816) 203-0143 and download our free book on LTD insurance.