Bartolic Law handles Long Term Disability cases at all stages, from filing a claim to lawsuits under ERISA § 502(a). We are who the most discerning clients hire when an insurer denies their claim, and the one they wish they had when another firm loses their appeal and abandons the case. We are Innovative, Authentic, Compassionate, Transparent and Chicago strong. Bartolic Law is nationally renowned for our Innovative work:

Cigna Denials

Bartolic Law has turned many Cigna benefit denials into payments to clients. In one case, our client was a marketing officer who suffered a stroke, and the lasting damage to fine motor control and speech made the client unable to work on a keyboard and mouse as required to do the occupation. Bartolic Law made a compelling case including visual demonstrations of the lack of fine motor control, where we showed the client’s use of a covered cup to avoid spilling liquids and showed the client attempting to use a keyboard and mouse for work in email and various software programs. Simply reading the symptoms in medical records was not enough, and our unique proximity to our clients, and willingness to always go the extra mile, resulted in our client getting benefits paid. In another case, we demonstrated a clinical nurse taking immunosuppressive drugs to accept a liver transplant remained disabled because the client could not safely engage in public contact. This is the risk of disability rule of disability insurance law that insurers often overlook, or deliberately ignore. If you had your benefits denied or terminated by Cigna, call Bartolic Law today. One of the most frequent errors Cigna makes is misclassifying an occupation at the regular occupation stage, and then assuming you have the skills required for a very different occupation.

Claims, Denials, and Lawsuits Against Cigna

Bartolic law handles all stages of claims with Cigna. Cigna is the company name that handles the claims, but it goes by the name Life Insurance Company of North America on these insurance policies. Cigna is one of the largest group long-term disability, life, and accidental death insurers in the country. Cigna’s long term disability claim review process involves one mandatory appeal, and one voluntary level of appeal. Our goal is always to get our clients’ claims paid at the initial appeal. In 2013, Cigna settled a regulatory action with several states regarding its mishandling of long-term disability claims, and set aside tens of millions of dollars to pay claims it previously denied. The state insurance commissioners found that Cigna inadequately considered independent physicians’ opinions, social security disability awards, and worker’s compensation records in denying long term disability claims. Under the regulatory settlement agreement, Cigna had to change its review process, and much of updates to ERISA claims procedure regulations in 2018 was inspired by this settlement with Cigna.


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We Turn Denials Into Payments

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