Cigna/Lina Disability Claim Denials

Have you had an insurance claim for life, disability, or health disputed, delayed, or denied by a Cigna/Lina company?

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Insurance Companies We’ve Challenged
  • Unum Provident
  • Unum Life
  • Metlife
  • Sunlife
  • Cigna
  • The Guardian
  • Hartford
  • Mutual Of Omaha
  • New York Life
  • Thrivent
  • Provident
  • Paul Revere
  • Reliance
  • Prudential
  • Lina
  • Liberty Mutual
  • Transamerica
  • Aetna
  • Standard
  • Reliance Standard
Why Do People Turn to Us?

Our clients come to us for one very good reason: They know that we will aggressively fight for their compensation. Ronstadt Law was founded specifically to ensure that individuals had a way of legally challenging insurance companies that have denied, delayed, or disputed legitimate insurance claims, and we pride ourselves on doing everything we can to get you what you deserve.

Our services are always offered with compassion and a focus on quality, so you know that you are in good hands when we take your case. If you are experiencing difficulties in getting a claim paid out by a Cigna or Lina insurance company (or another insurer), then our lawyers can help you.

Why Hire Us?
  • At Ronstadt Law, we know how difficult it can be to come up with the money to retain the legal support you need, particularly if you are dealing with an injury or disability. We are able to work on a contingency basis, so if we do not win your case, then you do not pay us.
  • We are extremely experienced in the field of disability insurance claims, having successfully handled many hundreds of these types of cases.
  • That experience has led to us being very well regarded within the legal industry, with the quality of our advice and representation standing out in particular.
  • In all the work that we take on, our focus is on client satisfaction.
  • Our team has the capability to take on insurance cases of all levels of complexity, including federal court litigation and bad faith cases.

Cigna/Lina Insurance

The insurance companies that form the Cigna and Lina organizations take in billions of dollars every year in the form of premium payments from their customers – everyday working Americans who are simply trying to do what is best for them and their families by getting insurance.

Unfortunately, when it comes time to pay out on those insurance policies, Cigna and Lina companies often deny, delay, or diminish the compensation. They do this by using ambiguous terms in the contracts (so you think you are covered for something but you are not) or by using other bad faith practices, like questionable medical reporting, for example.

The simple fact is that it is cheaper for these companies to employ vast legal teams to fight you than it is to simply honor their service agreements. Above all, they rely on the fact that you either will not or cannot fight them.

Hold them accountable.

It is our firm belief that these companies should not be allowed to bully you out of the money that you are due. That is why we do what we do – to support the individual in the face of multinational insurance companies. They have their teams of lawyers ready to dismiss your needs: With Ronstadt Law, you have your own team. We are not afraid to go up against Cigna or Lina companies in the courts, and we will do so aggressively and passionately.

If you have had a claim for long-term disability, care, or another insurance product denied, delayed, or diminished by one of these companies, then give us a call.

Why Do Cigna/Lina Insurance Companies Deny or Delay Claims?

Large insurance companies like those under the Cigna and Lina banners make the majority of their profits from investments. They take your premium payments, group them with others, and then invest that money into different global markets.

So, when you make a claim they have to release some of that investment in order to pay you what you are due. The longer that they can refrain from doing this, the more money they can make from the investment – even though you might be absolutely desperate for the support and help that you have been diligently paying for.

 Getting in touch with Ronstadt Law is your best course of action in these situations. We will do all that we can to pressure the carrier into paying you what you are owed in a timely manner.

What Can You Do When a Cigna/Lina Insurance Company Denies Your Claim?

When insurance carriers try to get out of paying your compensation, it is often called ‘bad faith’. This practice includes:

  • Misinterpreting the terms of your cover
  • Sending you unnecessary paperwork in an effort to confuse you
  • Using medical practitioners who are not right for your case
  • Ignoring or minimizing medical information
  • Failing to communicate with you

If any of these tactics are being used against you, or you otherwise feel that you are not being treated correctly with regard to your Cigna or Lina insurance claim, then speak to Ronstadt Law. Bad faith practices are illegal, and we are dedicated to fighting back on your behalf.

Cigna/Lina Appeal Process

Your first step in getting your compensation is an insurance appeal letter. This is an official request (in writing) for the insurer to take a second look at your case. That appeal needs to meet several conditions; otherwise, it will be dismissed immediately and you may no longer be able to fight your case. Those conditions are related to the strict ERISA laws that govern the insurance industry, and they mean that you have to correctly file your appeal with the appropriate people within certain timeframes.

You can ensure that you are following the requirements for your appeal by speaking with a Ronstadt Law disability attorney – we will make sure that everything is in order and that you remain eligible to pursue your compensation.

The Types of Cases We Manage

Long-Term Disability Claims
Long-Term Disability Claims
Long-Term Care Claims
Long-Term Care Claims
Life Insurance Claims
Life Insurance Claims
Insurance Bad Faith
Insurance Bad Faith
Insurance Appeals
Insurance Appeals
When to reach out to an attorney for help.
Always consult with a disability attorney before submitting appeals. The strength of a lawsuit depends on the quality of the appeal.
Insurance companies want you to give up – they save money when you do. Don’t give up! We routinely go up against insurance companies and know what it takes to get your benefits. With so much at stake to protect your livelihood, don’t go at it alone.
Most firms do not provide continued support after your case is won, but we do. We provide you with additional care and protection, because insurance companies use tactics to avoid paying disability benefits after claims are won.

Ronstadt Law Leadership Team

Erin Ronstadt
Founding Partner
Kyle Shelton
Kyle Shelton
Senior Partner
five star
Ray Ortega | July 2021
In 2020 I was dealing with a Long Term Disability (LTD) appeal issue with my private LTD provider. After exhausting “in house” appeal methods to no avail, I decided I needed to seek a professional legal team to assist me with my appeal.

I performed an internet search in the Phoenix area and read through several Disability Attorney websites and advertisements. I decided to reach out to Ronstadt Law and supply them with my basic information to have the firm perform an evaluation on my appeal case.

I received a very quick response on my evaluation we started the ball rolling on building information for my appeal. I was in possession of
numerous documents for my LTD appeal; Erin and her staff worked with me to receive these documents for my case file.

Throughout my appeal process, Erin and her staff allowed me to work hand-in-hand with them to provide comments on insurance documents provided by my LTD provider. This allowed me to stay actively involved in my case and to assist in providing responses to the provider.

Erin and her staff were very knowledgeable, professional, and courteous all the way to our settlement. We settled out of court in the summer of 2021. I highly recommend Ronstadt Law for anyone who has need for legal counsel pertaining to disability issues.


I sure picked the right Firm!

100% Free Case Evaluation

If you believe that your Cigna, Lina, or other insurance company has denied or delayed your claim for no reason, then get in touch with Ronstadt Law. We will assess your case and give you an informed opinion on how to proceed, with no cost or obligation to you.
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