Cigna is a top health service company worldwide with a history of denying claims without a valid reason. A simple thing such as the healthcare provider missing a document page leads to Cigna denying a claim immediately. It issues a disability denial contributing to difficulties acquiring an appropriate reason for the rejection. An insured individual becomes frustrated, leading them to give up rather than pursue the benefits they deserve.
Cigna denies a disability claim due to insufficient medical evidence, incomplete claim forms, failure to seek adequate medical assistance, surveillance to enable individuals to dispute their claim of disability, and disagreement by Cigna’s medical consultant.
The appeal process for Cigna’s long-term disability benefits denial comprises paying attention to deadlines, getting a copy of the claim file, and obtaining medical evidence supporting an individual’s claim.
Various individuals are facing and dealing with a denial from Cigna for their disability claim. At the Law Offices of J. Price McNamara, they have the best Cigna disability denial attorney who helps people in fighting for the benefits they rightfully deserve.
The vital steps to take after the denial of the Cigna disability claim are to
Request an Insurance Company File Instantly
Requesting a copy of the insurance company file comprising the information that resulted in the denial of the claim is vital.
Continuing to Receive Treatment
It is essential to continue receiving medical treatment, and the documentation from the medical statements will be extremely helpful when submitting an appeal.
Collecting All Pieces of Documentation
It is essential to collect the documents which will help to gain an extensive understanding of the main reason for the denial of a claim. Under ERISA, an attorney will help individuals sort out the contradiction of the claim. Various essential documents comprise:
- the insurance company’s life
- information regarding the accident that caused a disability
- medical records for every single provider an individual has worked with correspondence that a person has had with Cigna
Acquiring an ERISA Lawyer
Besides, ERISA lawyers will help individuals since a Cigna appeal process is challenging. Cigna attempts to make the appeal process and claim submissions complex to culminate in avoiding paying out benefits. Cigna assumes that a person will overlook one of the steps included in the methods to prevent taking the proper steps and submitting the medical and administrative forms. Also, Cigna has creative techniques of denying individuals the benefits they deserve.
Steps that ERISA lawyers will take to appeal the Cigna disability claim comprise:
- Checking an individual’s initial claim for missing and inaccuracies information
- Examine Cigna’s supporting evidence and denial rationale
- Examining that Cigna followed all regulations and norms while reaching its findings
- They ensure that the information Cigna analyzed was correctly comprehended and applied to an individual’s specific situation
- Assist in getting additional medical documentation to fill gaps and support the claim
- Gather the necessary papers and file the appeal of an individual before the deadline
The Law Offices of J. Price McNamara will aid individuals in finding a suitable lawyer since they have the proper legal assistance to determine a case. They have experienced lawyers such as J. Price McNamara, a former insurance company attorney, who knows determine the tactics that Cigna might deploy to pay an individual the benefits they deserve.