SMDA recently convinced LTD insurer Cigna to overturn its claims denial decision for a registered nurse who developed significant low back pain that prevented her from performing her own occupation. Our client had degenerative disc disease that had progressed over the years eventually leaving her unable to work. Cigna initially denied her claim finding she was not disabled.
SMDA filed a comprehensive administrative appeal which established that the functional limitations the client experienced made it impossible for her to perform the material duties of her own occupation. Cigna overturned the claims denial decision and agreed to retroactively reinstate her LTD benefits and put her back on claim.