Deserving disability claimants see denial letters from Cigna all the time. If you’re one of those claimants, give a Los Angeles Cigna disability denial lawyer a call today.
Many of us pay in every month to a disability insurance policy that’s supposed to protect us in case of a serious accident. After all, you need to have the peace of mind that, if something terrible happens, you and your family are financially safe.
Unfortunately, the insurance companies are not always as interested in your needs as they are in their profits. Large companies like Cigna are notorious for this. You may receive a claim denial for what seems like an obvious disability.
When you’ve received a denial for your benefits, don’t give up. Call a lawyer for Cigna disability denial in Los Angeles. It may be intimidating to file a claim against one of the largest insurers in the country, but the team at Haffner Law won’t hesitate to fight for the benefits owed to you.
Your Plan Affects Your Disability Denial
Generally, going to court in Los Angeles for your Cigna disability denial will not be the first step. While your case may lead there, there are a few options our firm can help you explore before you file.
Your options will mainly depend on your plan. Cigna offers individual plans and employer-provided plans, both of which will have their own regulations. Be sure to review your plan type before you begin.
If you’re covered through your employer, you’ll need to go through the company’s process before you go to court. After you’re denied, you’ll receive a letter detailing your denial, which gives you a chance to appeal before a board.
Through the Employee Retirement Income Security Act (ERISA), your case will have certain regulations placed on it that wouldn’t otherwise be there. For these plan types, be sure to act quickly and speak to a lawyer.
Individual coverage is not so heavily regulated, giving you the chance to move almost directly to a lawsuit. While you will likely want to exhaust your other options before going to court, you have a little more flexibility. Still, you will need to move fast—you’ll likely only have sixty days to act. And while you may have more time under your plan, you need as much time as possible to build a strong case.
Appealing Your Cigna Disability Denial in Los Angeles
After your denial, you’ll have time to review the denial letter and the reasons you were denied, which gives you an advantage when appealing. Unfortunately, Cigna may still use deceptive tactics to prevent you from getting your benefits. From delaying a response to resorting to video surveillance as evidence, you can expect trouble from Cigna.
If all else fails, you may need to sue. Cigna expects you to give up on your disability benefits, but an attorney for Cigna disability denial in Los Angeles can help you fight. Getting your disability benefits will make a big difference for you and your family, so act fast to get what you deserve.
Connect with an Attorney for Cigna Disability Denial in Los Angeles
Appealing a disability denial from Cigna can be overwhelming, but when you and your family need that coverage, it’s likely worth fighting for, and Haffner Law can help you.
A lawyer for Cigna disability denial in Los Angeles can make all the difference. Cigna will use every trick possible to refuse your claim, but with our help, you can get the benefits you deserve. If you’re interested in how we can help, give us a call at 1-844-HAFFNER (423-3637) or fill out the form below to schedule a free consultation.