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CIGNA
Major insurance carriers like Cigna, Hartford Insurance, and UNUM have had a very high number of lawsuits filed against them recently due to bad faith and improperly denied insurance claims. Becoming disabled has a huge financial impact; many individuals not only lose their jobs, but also their medical benefits. Knowing your legal rights before you become disabled can make a huge difference. Moreover, knowing and understanding your rights when it comes to a disability claim is critical. This includes understanding your employer's benefit package, your personal insurance benefits, the Americans with Disabilities Act, the Employee Retirement Income Security Act (ERISA), the Family and Medical Leave Act, and the laws of your State. If you have become disabled, it is very important that you seek counsel regarding this complex web of laws and regulations. What to Do If You Have a Cigna Disability Claim
There are a number of steps that you need to take when you have a Cigna disability claim, or a claim under any plan. It cannot be emphasized enough that it is never too early to obtain professional legal help. Once your disability application and doctors' letters are submitted, you are effectively bound by them. Obtaining legal advice beforehand is often very valuable. Additionally, it is important you document your loss entirely. It is recommended that you maintain a "log" concerning your Cigna disability claim. You should write down the date, time and facts pertaining to every telephone call or written communication regarding the claim that you have. You should also always note the name, title and direct telephone number of each and every person with whom you have had contact.
If you have questions concerning how to complete your disability
claim, or have been denied a disability claim, we at Daley, DeBofsky
and Bryant can help. Our firm represents individuals in Chicago and
throughout the Midwest seeking disability, health, pension, and
other work-related benefits. You may contact us for a free phone
consultation at 1-312-372-5200 or via e-mail at
info@ddbchicago.com.
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