Applying for Cigna Disability Benefits? Top 5 Reasons for Claim Denial

Attorneys Gregory Dell and Stephen Jessup discuss attorney tips when applying for Cigna/New York Life disability income benefits. Foremost, always beware of the pre-existing condition to prevent a claim denial and why medical support is essential. Learn tips for completing a Cigna/New York Life disability claim form.

00:00 – Applying for Cigna Disability Benefits? Top 5 Reasons for Claim Denial

00:04 – Tips for Applying for NY Life / Cigna Disability Benefits

01:19 – Always be Aware of the Pre-existing Condition Provision to Prevent a Claim Denial

03:47 – Medical Support is Essential for a Cigna / NY Life Disability Benefit Approval

05:41 – Tips for Completing the Cigna / NY Life Disability Claim Forms

10:16 – How to Prepare Your Doctor for a Phone Call from a Cigna / NY Life Doctor

[DisabilityAttorneys]

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[codacreator]

What if the pre-existing condition was misdiagnosed and treated only on a symptomatic response, even when the symptoms might have been sufficiently addressed as a stop-gap that eventually erodes to the point of collapse? I believe that this misdiagnosis exacerbated rather than mitigating my continued spiral into more extreme symptoms and prevalence of disability — which is directly affected by the nature of my work which exposes me to secondary trauma, which further traumatizes me.

[elainerinne]

I had to appeal my LTD denial and won on my own. I’m 55 and had a 2 stage surgery that corrected severe scoliosis and flat back syndrome. I also had 2 carpel tunnel surgeries, 6 trigger fingers that needed to be surgically released, I had surgery to repair a fractured hip, and 4 cervical spine surgeries. I also have high blood pressure. I am an RN that worked for Cigna. As a disabled employee they provided no adaptive equipment or accommodations. They have a department called vocational rehab but they advised me they could not assist me until after surgery. I’m now just over 2 years post op spinal reconstruction. Now I am being terminated because I only had 8 years of continuous employment instead of the required 9. Is there anything I can do. Thank you.