which lawyer to sue cigna

Full Answer

Does Cigna have a lawsuit against it?

A Cigna spokesperson said the company cannot comment on pending litigation. Cigna, which is in the process of closing a $67 billion deal with Express Scripts, has been hit with a rash of lawsuits over the last several months that allege the insurer overcharged members.

Can a successor Sue Cigna for unpaid benefits?

We welcome feedback, which you can provide using the feedback tab on the right of the page. (Reuters) - The successor of a bankrupt mental-health and substance-abuse treatment provider can sue Cigna for $8.6 million in unpaid benefits but can’t seek damages for fraud, a federal appeals court held in a pair of opinions on Friday.

Did Cigna conspire with a claims administrator to divert costs?

(Getty/eccolo74) Cigna has been served with a second class-action complaint alleging the insurer conspired with a claims administrator to divert costs to consumers disguised as fees for medical care.

What kind of legal services can I get with Cigna?

This can include estate planning, power of attorney, living wills, death of spouse, etc. To access legal services, call the EAP program number promoted by your employer. This material is provided by Cigna for informational/educational purposes only. It is not medical/clinical advice.

Why is Cigna denying claims?

Unfairly denying your claims, particularly disability insurance, is a way in which Cigna/LINA may have failed to uphold its legal duty to you as an insurer. There is any number of reasons that Cigna/LINA may have used to reject your claim, including: You did not disclose a pre-existing medical condition.

How long does Cigna take to process a disability claim?

The basic time frame to decide your initial claim is 45 days, but the regulations allow for extensions, and Cigna can take up to 105 days to decide your long term disability claim.

How long does a Cigna appeal take?

between 10 and 30 daysIt takes between 10 and 30 days for us to complete an appeal. If you don't agree with our decision, you can file another appeal. We call this a second-level appeal. The process is the same as you followed before.

How long is Cigna long term disability?

Cigna long term disability insurance pays a percentage of the policyholder's covered income — up to 60 percent or $5,000 per month — during the time they are unable to work. Most long-term disability policies will cover two, five, or 10 years, but some last until the disabled worker reaches retirement age.

Do you help Cigna claimants nationwide?

We represent Cigna clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disabi...

Can you help with a Cigna disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Cigna. We have helped thousands...

How do you help Cigna claimants?

Our lawyers help individuals that have either purchased a Cigna long term disability insurance policy from an insurance company or obtained short o...

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have...

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options....

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-...

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email....

What happened to Michelle from CIGNA?

In January 2010, CIGNA notified Michelle that her disability benefits claim was being denied, claiming that her treating physician merely recommended that she stop work to attend to a pain management plan and did not state that she was disabled from working at all. On April 19, 2010, Michelle ‘s physician did provide the insurer with an extensive history of Michelle’s condition, stating that unless Michelle found relief from her chronic pain, she would be unable to work. After exhausting all administrative appeals, Michelle engaged the services of a Kentucky disability attorney to file suit against the insurer to gain her entitled disability benefits.

When did Michelle C. v. Life Insurance Company of North America and CIGNA Corporation file suit?

Life Insurance Company of North America and CIGNA Corporation, Michelle and her Kentucky disability lawyer filed suit against the insurer in the United States District Court Eastern District of Kentucky Covington Division on August 23, 2011. Suing CIGNA for improperly denying her disability benefits, Michelle and her disability attorney have petitioned the District Court for:

When did Douglas vs Life Insurance happen?

Life Insurance Company of North America (with CIGNA as the plan administrator), Douglas and his disability lawyer filed a lawsuit against the insurer in the United States District Court for the Southern District of Texas Corpus Christi Division on September 16, 2011. In the lawsuit, Douglas’s disability attorney prays that the Court provide Douglas the following relief.

When did Manuel v. CIGNA happen?

In Manuel A. v. CIGNA Life Insurance Company of New York, Manuel and his New York disability attorney filed a lawsuit against the insurer on September 6, 2011 in the United States District Court of the Southern District of New York. According to Manuel’s disability lawyer, Manuel is entitled to:

What caused Michelle Obama to have pelvic pain?

In 2008, Michelle was diagnosed with endometriosis, which caused Michelle to experience severe pelvic pain. After cauterization of the endometriosis, Michelle continued to suffer pain and underwent a partial hysterectomy in March 2009 to address the continuing issue.

What happened to Cigna?

Unfortunately for Cigna, its problems did not end there. The massive lawsuit drew the attention of California’s insurance regulators to the company’s claim-handling practices and resulted in even more penalties and fines for the multinational insurer. California regulators found that Cigna had ignored disability determinations made by the Social Security Administration when denying disability benefits, ignored the medical opinions provided by independent physicians, and failed to include the information provided through Workers’ Compensation records when making coverage decisions. Ultimately, the California Department of Insurance imposed over $2 million in fines, penalties, and administrative fees on Cigna for their bad faith claim handling procedures.

What is Cigna's reputation?

Cigna’s reputation, particularly in regard to long-term disability claims, is that of a corporation often found to be denying its customers the fair payment of their claims and benefits. The most noteworthy example was that of a lawsuit spanning multiple states which alleged that Cigna had improperly handled thousands of long-term disability claims. Cigna eventually agreed to revise its claim-handling practices and pay out up to $77 million to affected claimants across the country, including those in California.

What is Cigna insurance?

Cigna is one of the nation’s—and the world’s—largest providers of life, health, and long-term disability insurance. Cigna offers various types of insurance coverage and plans, including group universal life insurance, HMO plans, and administration of group dental and health benefit plans for employers. Across the country, Cigna has been targeted by regulators and individual lawsuits for violating laws governing good faith payment of benefits and claims. As a result of its unfair claim handling, the company has been hit by multi-million-dollar judgments and administrative fines.

What are some examples of legal services that are not covered by the program?

Here are some examples of questions or concerns that are excluded: Workplace safety - accidents, injuries, or illnesses.

Can a behavioral health provider make a diagnosis?

It is not medical/clinical advice. Only a health care provider can make a diagnosis or recommend a treatment plan. For more information about your behavioral health benefits, you can call the member services or behavioral health telephone number listed on your health care ID card.

Why was Cigna required to establish a national consumer advocacy team?

Cigna/LINA was required to establish a “National Consumer Advocacy Team” in order to more effectively, efficiently, and quickly manage the appeals process for customers who have had their claims denied. Cigna/LINA was required to increase the staffing for all its appeals departments.

Why does Cigna deny disability claims?

Unfairly denying your claims, particularly disability insurance, is a way in which Cigna/LINA may have failed to uphold its legal duty to you as an insurer. There is any number of reasons that Cigna/LINA may have used to reject your claim, including: You did not disclose a pre-existing medical condition.

What to do if you have been denied a Cigna claim?

If you have had a claim denied, there are a few steps you should take: Review the coverage denial - Like all insurance companies, Cigna/LINA is legally required to give you a comprehensive and detailed explanation for their denial of your claim.

Why was Cigna required to invest money?

Cigna/LINA was required to invest money to lower the caseloads of its adjusters for customers in the state of California. Cigna/LINA increased expenditures for claims denial investigations and customer resources.

Where is Cigna located?

Cigna is a health services company that is located in Connecticut. They also have an affiliate known as the Life insurance Company of North America (otherwise referred to as LINA), and together they form a conglomerate company under the banner of Cigna/LINA.

Which states were involved in the Cigna settlement?

The same five states that were involved in the seventy-seven million dollar ($77 million) settlement, Connecticut, California, Massachusetts, Maine, and Pennsylvania, also oversaw a 2009 investigation. This investigation concluded that Cigna/LINA engaged in a widespread and unscrupulous pattern of violating state and federal insurance trade practices statutes.

Is Cigna bad faith?

All insurance companies regularly issue denials of claims and/or coverage, but both Cigna and LINA have been regularly cited by state regulators for doing so improperly and in bad faith. Furthermore, regularly delaying or devaluing a health or disability claim also counts as bad faith handling of your health insurance policy by Cigna/LINA.

What states did Cigna settle with?

In 2013, Cigna entered a settlement with the state governments of California, Connecticut, Maine, Massachusetts, and Pennsylvania. As part of this settlement, the company agreed to hold $77 million to potentially pay valid LTD claims it had earlier denied.

How much does Cigna make in 2018?

In 2018, the company earned $48 billion in adjusted revenue, and more than $5 billion of that total came from disability insurance and life insurance. Like many insurers, Cigna tries to maximize profits by using aggressive tactics against policyholders and denying as many claims as possible.

How to make sure your lawyer has enough time to build up your case?

To make sure your lawyer has enough time to build up your case, you should order your Cigna file as soon as possible after the adjuster denies your claim. 2. Keep Getting Treatment . Insurance companies and judges will never rely on your word alone in a Cigna disability insurance claim.

Does Cigna offer disability insurance?

As one of the country’s largest insurance companies, Cigna offers health insurance, life insurance, and disability insurance products.  Unfortunately, Cigna has a long history of denying valid short-term and long-term disability claims.

How to contact Cigna about an appeal?

Before beginning the appeals process, please call Cigna Customer Service at 1 (800) 88Cigna (882-4462) to try to resolve the issue.

What is the appeal process for Cigna?

If issues cannot be resolved informally, Cigna offers two options: An appeal process for resolving contractual disputes regarding post-service payment denials and payment disputes 1. For claim denials relating to claim coding and bundling edits, a health care provider may have the option to request binding external review through ...

What does Cigna do with ASH?

Cigna contracts with ASH to build a network of providers and administer claims. In the California lawsuit, a Cigna beneficiary alleges the insurer diverts administrative costs to members rather than using plan fees and subscriber premiums.

Is Cigna pending litigation?

A Cigna spokesperson said the company cannot comment on pending litigation. Cigna, which is in the process of closing a $67 billion deal with Express Scripts, has been hit with a rash of lawsuits over the last several months that allege the insurer overcharged members.