Has CIGNA denied your ERISA disability claim on a Thursday?

While testing a new research tool for my firm, I decided to look for cases in which CIGNA’s Book of Knowledge (Cigna’s claim manual) was quoted. (CIGNA and Life Insurance Company of North America are the same company). In one of my cases I wanted to see what court’s thought of Cigna’s failure to comply with its claim manual. This firm reviews its copy of the CIGNA’s Book of Knowledge and compares the actions in my Cigna case with the BOK.

Plummer | Raval holds documents proving CIGNA / LINA violated insurance regulations in disability claims

Plummer | Raval has an extensive litigation history with CIGNA and has considerable evidence supporting claimants in ERISA cases against CIGNA.

In Schneider v. Unum Life Ins. Co. of Am., 2007 U.S. Dist. LEXIS 97867 (D. Or. Oct. 11, 2007) the court found that UNUM may not have come before the court with clean hands. CIGNA does not have clean hands.

Letter to Help You Get Your Complete CIGNA or LINA file

I have a number of cases against Life Insurance Company of North America (LINA or CIGNA). As you know one of the first things you do when appealing a denied disability claim is request the entire file from the insurance company. LINA does not always send the entire file in response to such a request. To assist you in getting the complete file I have prepared a letter in which I identify the documents that I expect to find in a LINA file. I then tell LINA which of those documents I received and which documents I did not. I have published the sample letter "rat cheer".

Decision in Cob Clearinghouse v. Aetna US Healthcare

"COB Clearinghouse Corporation, also known as Digital Healthcare, Inc., Plaintiff-Appellant, v. Aetna U.S. Healthcare, Inc.; Great West Life and Annuity Insurance Co.; Blue Cross & Blue Shield of Kansas City; Connecticut General Life Insurance Company" 


Agent of employer has no standing to sue under ERISA.


Full-text of the opinion

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