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Cigna Group Insurance/Life Insurance Company of North America (LINA)

LINA Approves LTD Claim after Client Seeks Legal Assistance

August 22, 2018

A Client Billing Associate ceased work when she could no longer perform the material duties of her job as a result of her disabling medical conditions, including lumbar post laminectomy syndrome…

Cigna Approves Second Level Appeal of a Disabled Engineer

August 15, 2018

A former Component Environmental Test Engineer suffering from cardiomyopathy with advanced systolic heart failure filed a claim for long-term disability benefits with Cigna Group Insurance…

McDermott Law, LLC Changes Life for Client Whose Disability Benefits Were Terminated

August 1, 2018

An Oncology Medical Coder from Arizona landed her dream job and moved to Colorado with her three horses. Shortly after the move, her feet slipped out from under her and she fell down ten stairs. The injuries she suffered in the fall were worse than expected. Our client was unable to sleep through the night…

Cigna Once Again Reverses Its Decision to Terminate Benefits of Client Suffering from Multiple Sclerosis

March 9, 2017

McDermott Law has once again been successful on behalf of a client whose disability benefits were wrongfully terminated . . . TWICE.  Ms. J had been receiving disability benefits as a result of suffering from Multiple Sclerosis (MS) when Cigna terminated her benefits claiming she no longer met the definition of disability.   She hired our office to…

Another Successful Short Term Disability Appeal to Cigna – and Grant of Concurrent Application for Long-Term Disability Benefits

September 21, 2016

The attorneys and staff at McDermott Law, LLC have prevailed again on an ERISAshort-term disability appeal to Life Insurance Company of North America (LINA) (underwriter of disability insurance policies for Cigna).  Perhaps more importantly, our client also obtained an approval on her concurrent application for long-term disability insurance benefits. Our client suffers from spasmodic torticollis which precluded her from performing…

McDermott Law Wins Long-Term Disability Claim Appeal, Gets Cigna to Reinstate LTD Benefits to Our Client

February 23, 2016

McDermott Law recently convinced Cigna Group Insurance to reinstate long-term disability benefits denied to a client. This client, Ms. M, suffered from Postural Orthostatic Tachycardia, Migraines and Fibromyalgia.  Her functional abilities were also impacted by her cognitive impairment and other symptoms which contributed to her inability to perform her or “any occupation.” Cigna terminated Ms. M’s long-term…

Cigna Disability Coverage for Lockheed Martin Employees

February 19, 2016

Headquartered in Bethesda, Maryland, Lockheed Martin is a global security and aerospace company that employs approximately 126,000 people worldwide and is principally engaged in the research, design, development, manufacture, integration and sustainment of advanced technology systems, products and service.  Lockheed has several facilities in the state of Colorado employing thousands of people. Cigna provides long-term disability…

Unum Life Insurance Company Reverses Decision to Terminate Disability Claim of Client Suffering from Chronic Pain

February 23, 2015

Mr. “F” called our office, through co-counsel, when Unum terminated his long-term disability (LTD) insurance benefits.  Although he had been receiving monthly disability benefits for years, Unum claimed he was no longer disabled under the group insurance policy provided by his employer.  Because the insurance was provided through work, his claim was governed by the Employee…

401(k) Disability Protection Programs

December 18, 2014

Some employers offer 401(k) disability protection programs for your 401(k) savings in addition to long-term disability (LTD) coverage.  Traditional disability insurance replaces a portion of your working income if you become disabled.  However, traditional LTD insurance does not provide the ability to set aside 401(k) savings for your future if you are disabled and can…

Your Approved Long-Term Disability Claim Has Now Vanished: What Now?

November 12, 2014

Today I want to write about a certain provision often found within a long-term disability policy that can significantly impact your ability to collect benefits.  I am referring to the “limitation” provision(s) found within your policy, and specifically the catch-all limitations provisions which will limit the payment the benefits for the vast majority of disabling…