Has Cigna Insurance Denied your Long Term Disability Insurance Claim?

Has Cigna denied your long Term Disability Insurance Claim? Hi I'm Marc Whitehead a Board Certified Disability Insurance Lawyer. Cigna Disbaility claims denials continue to be the subject of many federal lawsuits. A World Wide provider of insurance, Cigna Health Insurance Company markets products ranging from medical, dental, and life insurance to employer provided short and long term disability group plans. Their disability insurances is provided by Cigna Group Insurance and is underwritten and affiliated with companies such as Life Insurance Company of Northern America. Almost all employer provided disability insurance plans are subject to federal legislation called ERISA Most Cigna disability claims fall into this category. Many attorneys are not trained in the complexities of ERISA governed claims. The legal process is quiet different from insurance claims that are governed under state insurance law. In fact, there are many unfortunate downsides of ERISA. One negative aspect of the law is that it give insurance companies

immunity from bad faith claims. Like all Insurance companies Cigna has financial goals. Insurance providers are in the business to be profitable ERISA has made it so that there is little incentive for insurance companies to play by the rules. If an insurance provider resorts to unfair practices with the goal of rejecting your claim, There is no punishment under ERISA All they would have to pay, is what they would have had to pay in the first place It's been frequently alleged in litigation that deceptive practices may be used by the major players in the insurance industry. This means that without qualified legal advice to guide you, There are serious disadvantages for you. Even when claims are denied by the insurance provider you may have a strong case that can be own on appeal or through litigation. However, there are strict deadlines to be met in order to appeal. To clarify all of these issues we offer free, individual consultations. For over 20 years the Law Firm of Marc Whitehead and Associates has focused its practice on disability law. the knowledge and background of your attorney could determine the difference between winning and losing your case.

This topic is discussed more in my free eBook: Long Term Disability Insurance Policies: How to Unravel the Mystery and Prove your Claim Visit www.disabilitydenials.com for a free downloadable copy. Or call 1-800-562-9830 to discuss your particular disability insurance issue. I'm Marc Whitehead, thanks for watching!