Cigna Disability Claim Denial

Many people purchase long-term disability insurance issued by The Cigna Group so they’ll be able to provide for their families if they get sick or hurt. However, Cigna may deny valid claims to boost its profits. If you’re facing a Cigna disability claim denial, a lawyer may be able to appeal the decision or file a lawsuit against the insurance company on your behalf. See if we can connect you with a top Cigna disability denial attorney who can fight hard for the benefits you’re owed.

Get a Free Case Review

Why Take Legal Action?

By challenging a wrongful disability insurance denial, you can pursue the benefits and justice you deserve.

Results Secured

  • $1.36 million for a New York man whose Aetna long-term disability claim and appeal were denied
  • $1.21 million for a California worker denied disability benefits
  • $975,000 for a physician who lost his hearing and was denied long-term disability benefits by Unum Icon

Written by:

Last updated:

About Cigna Long-Term Disability Denials

Cigna offers short-term disability and long-term disability (LTD) insurance to help people protect themselves financially if they’re unable to work because of an injury or illness. However, Cigna has a pattern of wrongfully denying claims, leaving many of its customers without the benefits they’re entitled to.

Reasons for Cigna long-term disability denials include:

  • Claim processing errors by Cigna’s own employees
  • Lack of medical proof of disability
  • Missing or incorrect claim information

An unjust Cigna disability claim denial can be frustrating and leave your family without the financial resources it needs during this challenging time.

Did you know?

A California lawsuit filed in July 2023 accuses Cigna of using a computer algorithm to reject over 300,000 health insurance claims without examining them individually as required by state law.

Under a federal law known as the Employee Retirement Income Security Act (ERISA), policyholders have the right to appeal a disability insurance claim.

Working with an experienced disability attorney can increase your chances of a successful outcome. See if a top Cigna disability claim denial lawyer near you can fight for the compensation and justice you deserve.

What to Do After a Cigna Disability Denial

If you’re dealing with a Cigna disability claim denial, you may have legal options. An experienced lawyer can review the facts of your case and pursue the benefits you’re owed on your behalf.

A long-term disability denial lawyer may be able to:

  • Gather evidence to show you meet Cigna’s long-term disability qualifications
  • Appeal your Cigna disability claim denial before any deadlines
  • Ask for a second appeal if the company denies your first appeal
  • Submit a formal complaint with your state’s Insurance Department
  • File a lawsuit against Cigna
  • Negotiate an out-of-court settlement
  • Present your case in court if a settlement isn’t reached

A lawyer can handle all aspects of the disability appeals process for you, so you can focus on healing and spending time with your loved ones.

With an experienced legal professional by your side, you can rest assured that your paperwork has been filled out correctly, filed before any deadlines, and submitted with sufficient evidence to show you should qualify for benefits.

Call (888) 726-9160 now to see if you may be eligible to work with a top Cigna long-term disability denials lawyer near you.

How to File a Cigna Disability Denial Lawsuit

Disability insurance companies typically require policyholders to exhaust other options, like filing an appeal directly with Cigna, before taking legal action. You should review your insurance policy documents to find out the specific rules that apply in your case.

If you’re still unable to secure compensation, you may want to file a lawsuit and demand that Cigna pay you the benefits you’re owed.

The basic steps involved in a Cigna disability claim denial lawsuit are listed below.

1. Get a Free Case Review

Cigna claim denial lawyers know about the tactics this insurance company uses to deny valid claims and how to overcome them. Find out if we can connect you with a top attorney during a free, no-obligation case review.

The disability denial lawyers in the network never charge any upfront or hourly fees, so there’s no financial risk to work with them.

2. Collect Evidence

Your lawyer and their legal support staff will gather evidence to prove Cigna wrongfully denied your disability insurance claim.

This evidence may include:

  • Correspondence, like the Cigna disability claim denial letter
  • Information from your employer
  • Medical records
  • Treatment notes from your doctor
  • Your disability insurance policy

Your team may also collect evidence that Cigna had no reasonable basis for denying your long-term disability claim and, as a result, acted in bad faith. Information about Cigna’s claims handling practices and testimony from insurance industry experts can be used to prove bad faith.

3. File Your Cigna Disability Claim Denial Lawsuit

Your lawyer will file your lawsuit in the correct court and before any legal deadlines. They will handle all communications from Cigna on your behalf and keep you updated as your claim moves forward.

4. Access Compensation

Most Cigna disability denial lawsuits end in settlements, meaning policyholders may get compensation without ever having to step foot in a courtroom.

However, if a settlement isn’t reached, your legal team will be prepared to present your case in court.

Regardless of the path your case takes, your disability insurance attorney will fight for as much compensation as possible on your behalf.

Get Help From a Cigna Disability Denials Lawyer

People who purchase long-term disability insurance from Cigna trust that the company will treat them fairly and honor their policy in the event that they become sick or injured.

With a net worth of over $100 billion, Cigna has teams of lawyers prepared to defend the company’s actions. A Cigna disability claim denial lawyer can even the playing field and fight for the LTD benefits you deserve.

The disability lawyers in our network:

  • Can help policyholders in all 50 states
  • Have years of experience dealing with LTD insurance companies
  • Never charge any upfront or hourly fees

Our legal partners have recovered billions of dollars for victims of injustice across the country.

Complete our form or call our team at (888) 726-9160 now to see if they can help you pursue compensation and justice.

Cigna Long-Term Disability Denial FAQs

How to appeal Cigna denial for long-term disability?

Appealing a Cigna disability denial can be complicated, so working with a disability lawyer is often the best way to increase your chances of a successful outcome.

A Cigna disability claim denial attorney can:

  1. Collect proof of your long-term disability
  2. File your appeal and supporting documentation with Cigna
  3. Follow up with the company and keep you updated throughout the appeals process
  4. File a second Cigna disability claim denial appeal if your first one is denied
  5. Hold Cigna accountable by filing a disability denial lawsuit against it
  6. Handle all communications with the company on your behalf

With an experienced long-term disability denial lawyer by your side, you can be confident that your appeal will be filed correctly and before any deadlines.

Why would Cigna deny a claim?

Reasons for Cigna long-term disability denials include:

  • A pre-existing medical condition
  • An error by a Cigna claims adjuster
  • Incomplete or incorrect paperwork
  • Missing medical records

Your LTD claim denial letter should specify why Cigna rejected your claim for long-term disability benefits.

A Cigna disability claim denial lawyer can help you understand the reason for your denial and file an appeal on your behalf if the denial was without cause.

Why would you get denied disability insurance?

Long-term disability insurance companies like Cigna are notorious for denying valid claims to avoid paying out disability insurance benefits. They may deny claims that are filled out incorrectly or lack medical documentation proving that you’re unable to work.

In some cases, Cigna long-term disability denials are issued due to a pre-existing condition or for mental health disorders like depression or anxiety that may be difficult to prove.

An experienced disability denial lawyer can collect evidence to show that the denial was without cause and file an appeal to reverse the decision. They can navigate the Cigna long-term disability appeal process on your behalf and provide legal advice along the way.

Get a free consultation right now to see if we can connect you with a top lawyer near you.

How do you qualify for Cigna long-term disability?

To qualify for Cigna long-term disability, claimants must undergo a medical exam confirming that they are unable to work due to an injury or illness. Additionally, they must submit a claim form along with a statement from a health care provider.

These qualifications may vary based on your specific long-term disability policy. Icon

Written by: makes it easier to take legal action. We have information, lawsuit guides, and breaking news about drugs, products, and other issues that could affect you.

  1. AP News. (2023, July 25). “Cigna health giant accused of improperly rejecting thousands of patient claims using an algorithm.” Retrieved April 8, 2024, from
  2. Cigna. “Employee-Paid Long-Term Disability Insurance.” Retrieved April 8, 2024, from
  3. Pacer Center. “ERISA Claims and Appeals Procedures.” Retrieved April 8, 2024, from
  4. Sokolove Law. (2024, April 1). “Cigna Long-Term Disability Insurance Denial.” Retrieved April 8, 2024, from
  5. U.S. Department of Labor, Employee Benefits Security Administration. “Filing a Claim for Your Disability Benefits.” Retrieved April 8, 2024, from
Last modified:

See If We Can Help You

If you or someone you love has suffered an injury as a result of someone else’s negligence, please complete our form for a free case review. You may be eligible for compensation.

A couple review documents with an attorney

Find out if you qualify now for free. Call (888) 726-9160

Trusted Legal Exports Badge Get a Free Disability Insurance Denial Case Review
What type of insurance were you denied? *
$129 Million

Over $129 million recovered for injured workers


We’ve helped thousands of families

$0 Out of Pocket

Our legal partners never charge any upfront fees