Nearly all 50 state insurance commissioners, including Andrew Boron, the Illinois Insurance Director, have now signed on to the Regulatory Settlement Agreement that requires CIGNA disability insurance companies such as the Life Insurance Company of North America to reconsider denied claims under revised guidelines for:
- Consideration of Social Security disability awards
- Evaluation of medical evidence
- Use of medical and vocational evidence and when to obtain additional evidence
- Standards for evaluation of evidence and consideration of co-morbid impairments
CIGNA was also ordered to reconsider claims denied between January 1, 2009 and December 31, 2010 (in California from January 1, 2008 and December 31, 2010)(the “remediation period”).
If you were denied disability benefits by the Life Insurance Company of North America, Connecticut General Life Insurance Company, or Cigna Health and Life Insurance Company during the remediation period, you may be eligible to have your claim reconsidered.