You counted on your Cigna disability coverage to step in when your health got in the way of work. Then came the denial letter. Now you’re left with questions, bills, and no clear path forward.
If you’re looking for a Cigna insurance-denied long-term disability claims lawyer, you need someone who knows what Cigna tends to get wrong. At BenGlassLaw, we’ve recovered over $100 million in claims and benefits for people just like you.
A denied long-term disability claims lawyer from our team will explain your rights, outline a strategy, and help you figure out what comes next.
Why Cigna Denies So Many Disability Claims
Cigna denies claims for all sorts of reasons—many of which don’t hold up once someone with experience takes a closer look. We’ve seen cases where Cigna claimed symptoms didn’t match a diagnosis, records didn’t come in on time, or a claimant could return to a job they hadn’t worked in years.
Some denials come after a quick phone call with a nurse. Others follow a review by an in-house doctor who never examines you or contacts your providers. They use vague language, rely on outdated records, or quote medical notes out of context.
No matter how it happens, the end result feels the same. You get denied and left wondering what you did wrong.
For a free legal consultation call (703) 591-9829
Cigna Denials: What You Should Know
We’ve handled long-term disability denials for Cigna policyholders across the country. This company often uses technical reasons to justify a rejection, like a missed deadline or an incomplete form. But those reasons don’t always tell the full story.
Some policies define disability based on your current job for two years, then switch to a broader standard. That shift often triggers claim reviews or terminations. If you’re nearing that 24-month mark, it helps to get your records in order now—before Cigna finds an excuse to stop your benefits.
Our team can review your policy, timeline, and medical history to spot where problems may arise. That gives you a better chance at holding on to the coverage you earned.
What to Expect From a Cigna Insurance-Denied Long-Term Disability Claims Attorney
When you work with BenGlassLaw, you get more than paperwork help. You get an advocate who studies the reasons behind Cigna’s decision and works to refute them with clear evidence.
A Cigna insurance-denied long-term disability claims attorney from our firm will:
- Request the full claim file and spot inconsistencies
- Break down the medical arguments Cigna used
- Coordinate updated records and letters from treating doctors
- Build a written appeal that focuses on facts and clarity
We don’t flood them with documents just to look busy. We focus on what matters. Strong language. Strong records. Strong timing.
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Appeals Under ERISA: Limited Room to Move
Most Cigna disability policies fall under the Employee Retirement Income Security Act (ERISA). That means the appeal you file becomes the entire record if you ever go to court. You can’t introduce new information later. Everything must go in the file now.
We treat every appeal like it may head to federal court. That changes how we draft letters, request documents, and organize evidence. We tell the story clearly so a judge can see what Cigna missed.
If you’re still deciding whether to appeal, let us look at the letter and tell you what you’re facing. We don’t sugarcoat things. But we also don’t let fear drive the process.
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Cigna’s Track Record: What Sets This Company Apart
Unlike some insurers, Cigna uses both in-house staff and third-party reviewers to assess disability claims. That sometimes creates confusion or miscommunication between departments.
For example, one unit may ask your doctor for records, while another unit starts a surveillance review. Or a vocational consultant may review your job description based on a national database rather than what you actually did day to day.
Cigna also tends to use generalized language in its letters. They rarely give specifics about what evidence would change their decision. That leaves you guessing. We cut through that fog and give you a plan.
Conditions That Cigna Frequently Questions
Cigna often pushes back hardest on claims involving symptoms that fluctuate or appear subjective. That includes:
- Postural Orthostatic Tachycardia Syndrome (POTS)
- Chronic migraines
- Myalgic encephalomyelitis (ME/CFS)
- Vestibular disorders
- Complex regional pain syndrome (CRPS)
- Bipolar disorder
They may argue you can work during your “good” days or that a lack of objective tests makes your claim weaker. That’s where we focus our effort—showing the functional limitations clearly and consistently.
What if Cigna Stops Paying After Approval?
Some of our clients received Cigna long-term disability benefits for a year or more before the payments stopped. These terminations often follow a change in definition or a routine review that turns adversarial.
You can challenge a termination just like an initial denial. But you may have less time to act. That’s why we suggest reaching out the moment something feels off—like if Cigna suddenly requests old records or sends a vague letter hinting at changes.
When Can You Sue Cigna?
If your disability plan falls under ERISA, you must go through the appeal process before filing suit. Even then, your legal options stay limited. You don’t get a jury. You can’t ask for pain and suffering. But you can ask the court to order Cigna to pay.
Private or individual disability policies fall outside ERISA. That opens more doors. You could sue for breach of contract or bad faith. We’ll explain what applies to you and whether a lawsuit makes sense.
Deadlines Matter More Than You Think
Cigna often gives you 180 days to appeal a denial, but some plans set shorter limits. Don’t wait to act. The longer you wait, the harder it becomes to gather records, speak to your doctors, or respond before time runs out.
Our team keeps your timeline on track. We work backward from the deadline and build each piece carefully.
Let’s Talk About What Comes Next
At BenGlassLaw, we’ve spent decades helping people fight disability denials from companies like Cigna. With over 100 years of combined experience, we explain the rules, prepare every file as if it might land in court, and treat every client with respect.
If you’re looking for a Cigna insurance-denied long-term disability claims lawyer who values strategy over scare tactics, give us a call. We’ll review your denial, explain your options, and help you move forward on solid ground.
Call or text (703) 591-9829 or complete a Free Case Evaluation form