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Attorneys for Cigna Disability Insurance Claims

The attorneys at O’Ryan Law Firm frequently represent claimants whose claims for disability benefits have been denied or terminated by Cigna or its subsidiary, Life Insurance Company of North America (LINA). These claims are typically made under policies issued through a claimant’s employer, so they are usually governed by federal law – specifically the Employee Retirement Income Act of 1974 (ERISA) and related regulations issued by the United States Department of Labor.

Cigna has a well-documented history of abusive claims practices, including systematically denying and terminating claims that should have been approved for payment. In 2013, insurance regulators in five states fined Cigna $1.675 million and required it to re-evaluate hundreds of previously-denied or terminated claims and set aside $77 million to cover potential benefit payments. As part of the settlement agreement, Cigna agreed to adopt new, fairer claims processing procedures designed to ensure that claimants receive a full and fair evaluation of their disability claims. Nonetheless, numerous claimants continue to experience wrongful denial or termination of their disability claims by Cigna and LINA.

The attorneys at O’Ryan Law Firm have extensive experience dealing with Cigna and LINA at all stages of the claims, appeals, and litigation processes. If your claim for disability benefits has been denied by Cigna or LINA, call O’Ryan Law Firm for a free consultation at 855.778.5055.

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What Should I Do if Cigna Denies or Terminates My Claim?

If Cigna or LINA (or any other insurance company) denies or terminates your claim, the first thing you should do is make sure you have a written explanation of their decision. This is typically sent in the form of a letter to the claimant, and should include valuable information such as an explanation of the evidence relied upon to deny or terminate your claim, and the process for appealing the decision. Make sure you carefully note any deadlines for appeals. Once you have done so, contact an attorney to determine if you would benefit from legal representation throughout the appeal process. The attorneys at O’Ryan Law Firm provide free consultations to claimants whose disability claims have been denied or terminated by Cigna or LINA.

Should I Appeal a Denial or Termination Right Away?

First and foremost, you should always make sure you are aware of any deadlines to file an appeal. Typically you will be entitled to file an appeal up to 180 days after you receive written notice that your claim was denied or terminated, but this may vary in certain cases. Always confirm your appeal deadline as soon as you receive notice that your claim has been denied or terminated.

While your first instinct may be to file an appeal as soon as possible, this is not always the best choice. Cigna disability policies frequently provide only one opportunity for an appeal, so it’s important to ensure that your appeal provides a thorough explanation of why Cigna or LINA’s decision to deny or terminate your claim was wrong, and to provide as much supportive evidence as possible. If you just send a quick letter or email telling Cigna or LINA that you are appealing the denial or termination of your claim, you may never get the chance to provide additional supporting evidence. This is especially important if your appeal is denied and you need to file a lawsuit to challenge the denial, because in most cases governed by ERISA, the court can only base its decision on the evidence that was in front of the insurance company at the time it denied the appeal.

The attorneys at O’Ryan Law Firm have successfully appealed and litigated numerous claims against Cigna and LINA and can help you compile a thorough, compelling appeal package that will maximize your chances of prevailing on appeal or in litigation.

Can I File a Lawsuit Against Cigna for Denying or Terminating My Claim?

In most cases, Cigna and LINA require claimants to exhaust the formal appeals process before filing a lawsuit to challenge the denial or termination of a claim. This should be explained in any written notice of denial or termination of your claim. If you are unsure about your right to file a lawsuit, contact O’Ryan Law Firm for a free consultation.

Contact O’Ryan Law Firm Today for Assistance with Your Cigna or LINA Claim

Dealing with insurance companies like Cigna and LINA can be a difficult, intimidating process. Their processes are often designed to be confusing and difficult for claimants to navigate, and their claims representatives may not have your best interests in mind. If your claim for disability benefits has been denied or terminated, call O’Ryan Law Firm for a free consultation to see if we can put our experience dealing with Cigna and LINA to work for you.

Client Reviews
I can't thank you enough at The O'Ryan Law Firm for all you have done for me! I had questions and was really in a bind when I first started out but you took over and won my case! All of your valuable time and efforts were so appreciated! May God truly bless you and your business! Thanks for all of the encouragement and also doing your job in the most timely fashion! Truly the BEST LAW FIRM ANYWHERE!!! Denise
Thanks again for all your help with my eye sight case. Please feel free to use me as a reference for any of your potential clients who want to know if you are qualified or experienced in vision impairment cases like mine. I do read for a living and I really appreciate everything you did to help me recover the money my insurance company did not want to pay. You are definitely familiar with my vision impairment and how it disabled me for many months. Thanks again. You did a GREAT JOB. Best Regards, Mike D
I am so incredibly thankful for your hard work and expertise on my case. This means so much to me, I started crying when I read your email. The settlement guarantees that I will be able to stay in my home with my son and not have to worry about moving back in with my parents in Illinois. This illness has, over the last several years, taken away nearly everything that was important to me, and my son was about all I had left. Knowing that I can stay in my home and continue to be a part of his daily life leaves me speechless with gratitude for you and your firm. Matthew K