Consumer Reviews and Complaints
I've read, most not all of these reviews, and I can't believe there are so many people going through what I have and continue to go through. I guess I am only writing this as to agree with you all and our exact experience with Cigna (Ltd). I can tell you 1 and only 1 good thing that came from them and it was, they filed for my S.S.D benefits for me and I was approved, right away and they (S.S.D) had all the same records and docs reports that Cigna had, and Cigna still denied me (in all honesty I thank God for that approval).
I hired Emily ** out of Cleveland and she got me approved, she said it's a must to getting any insurance to pay & or do what they are supposed to do. I've been getting my L.t.d for 2 years now and it's been stressful. I have to witnessed their lying more than a few times stating my doctors changed their diagnosis, and I had no problem getting those very angry doctors to write a letter to that fact, they totally called them out. And now just in the past 7 months they have relentlessly continue to ask for an update of my medical records and wanting doctor's to fill out physical assessment forms, I've got 2 in Aug.
This morning I called an attorney and he said they can do that but it should lighten up after 2 year mark then they will probably offer you another buyout, oh! In June they offered me far less than half to end my benefits. This does want to make you give up and the attorney said that's what they're counting on. FYI there's a clause that says they don't have to payout L.t.d for those with a mental disability, I read that this morning. Best to all of you! And God Bless.
I became disabled in 2015 and my employer had a long term disability policy with CIGNA. As soon as the first review came up they dropped me and after months of waiting they rejected my appeal... which I found out they do to everyone, counting on people not being able to afford a lawyer and getting fatigued. Their representatives are incredibly rude and hostile. My disability has been accepted by numerous entities but CIGNA MAKES ITS MONEY BY THIEVERY! My advice is you avoid Cigna at all costs. Better to put money in a mason jar. Don't just take my word, they are rated at the bottom... Quite task for rip off insurance companies. Cigna is about making money for their shareholders not taking care of people. If you work for Cigna you have no ethics!
I have been with my company for about 4 years now and have been using Cigna insurance through my company. I'm on here about a short term disability claim (maternity leave) from 5/26/17 to 7/31/17. First the claim was only approved from the time I had my son due to my representative Kimberly ** not being efficient with her job. My doctor's office made a mistake and sent the same form 7 times and instead of her calling them or even calling me to correct the error she sent it to the nurse to approve and of course it was denied. She never followed up with me on this so I thought everything was fine going into week three of not getting a check but being off due to doctor's orders.
I called Ms Kimberly numerous of times and never got her but I talked to a lot of nice representatives throughout the process, now I had my son on 6/18/17 and called Cigna to report that and of course still no payment had been made but I finally talked to Kimberly. She was so rude to me for no reason. I asked her to transfer me to her supervisor. I really hope that the company records those calls because she basically told me that I will not be approved for the time before but only the after birth. I had to find out from her supervisor why and I made sure I got the correct paperwork sent in. My doctor sent the paperwork in numerous of times and finally a rep saw it in the system for 8/7/17 and told me to give Kimberly 3 business days to process it.
I called back on today which is 8/21/17 and spoke with another young lady and she stated she would email Kimberly and her supervisor Tracy to ensure I got a call back today and I did!! But again she was rude. Did not state who she was when she called back, just stated she was a rep from Cigna. I ask twice who was I speaking with before she told me it was her... This was my second time in three months that I talked to my actually claims rep... Oh and not to mention I have to wait another 3 business days to get an answer.
If I could give Cigna's short term disability coverage zero stars, I would. Without going into detail as the claim is still pending, claim managers and the nursing staff at Cigna have repeatedly lied to/misled me about details regarding my claim. I was told that I sent enough medical information with my initial submission and it would be enough to review; later found out this wasn't the case. My doctor's office mailed further information that they then requested; Cigna again said this wasn't enough. The nurse has now apparently stated that there were "no diagnostic tests" included in the medical records that would support my condition. Results of these diagnostic tests that DID HAPPEN were included in the initial paperwork. I've called them several times a week for the past four weeks, and barely any progress gets made at all. Phone calls to provide updates that were promised go unreturned.
I sent my initial claim paperwork four weeks ago, and when you do so, they say that a decision will be made in "3 business days." What they mean is that once the medical staff has every answer to every possible minuscule question they have, they can make a decision in 3 business days. And according to the other reviews, they could hold you in limbo for months with this back and forth until that happens. And you'll probably get denied.
My doctor himself is sick of dealing with the constant requests from Cigna and has said he's going to try to speak with them himself to get them off my back. I've been out of work for a while now. I have no more money, I have bills to pay, food to buy, and the stress is making it all worse physically and emotionally. I'm about to go back to work because I'm feeling better, but I don't know what I'd do if I weren't feeling better. I don't think I can deal with these Cigna folks for another minute.
I have Cigna Disability Insurance thru my employer. I have been off work for 2 months, filed 2 months ago for STD. They have not paid me a dime. They always claim that my doctors have not sent information, it's under review. Since I went on Medical Leave for low back pain with severe leg pain, my doctors found what could have led to the back issue - I have a collapsed femoral head on my right hip - causing severe pain - and now having severe pain doing anything, and have trouble even putting on my socks! My orthopedic surgeon has recommended a total hip replacement - otherwise, remain in pain, unable to continue daily life normally, stay in pain and eventually wind up in a wheelchair.
Since I have no income, I have raided my savings - soon that will run out. I will be returning to work - against medical advice - and now will not have the hip surgery due to Cigna not paying me anything. I have told Cigna that any further damage or injury at work or related to traveling 40 min to and from work, will be on them. I have reached out to an attorney at this point. There needs to be a class action lawsuit against Cigna - maybe if they have to pay another 73 million in damages, that might cause them to rethink business practices.
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Obtained many reasons in the delay of LTD. The employer is NOT responsive. I will call you back as soon as I hear from them. One month I call Cigna. Same answer awaiting employers response to last day worked. Two months later I get a letter that I retrieved a month ago regarding needing an employer's response. Finally, I get a call after two months and nine days that the medical reports do not indicate disability. When I asked had the employer responded I am informed yes.
NEVER, got a call about the employer responded. Every doctor I have has completed notation that I cannot work and my condition is severe. "No medical support." They prolonged denying me by indicating I am under review. Sent all medical reports. What a waste time and money. The case managers are the worse ever. The others who answer the phone are more helpful than the case managers. The case managers are nonchalant. I had to call them for information. I left so many messages it is disturbing and got little to no callbacks.
When I did finally get someone (case manager) she let me know she will call me when she gets an update. Ignorant way of saying I am calling too much and give me a break. I was informed I can appeal. Why, to be treated bad and to be disregarded as a human being? If it took two months to be denied how many years would it take for an appeal. My experience has been horrible with the case managers. The case managers are playing the role of God with folk's lives. Two MONTHS to DENY over concrete medical records.
I have multiple autoimmune disorders, I have been out of work for 4 weeks, filed my claim 3 weeks ago, was told I'd receive papers in the mail after 5 business days, nothing. I called after 2weeks to check on the status, was made to feel I was an inconvenience and wasting Cigna's time. I had to repeat everything a 2nd time to another rep, was told my claim hadn't been seen or reviewed by my claims rep and they weren't in the office, and they'd just received this 2weeks ago. Nor had anything been sent to my Dr's office, who has been waiting for these papers. I've tried calling again, it still says under review, and now says your claims person is in the office, but unavailable to take my call. I left a message, no return phone call.
So being 5 months pregnant and going to the ob-gyn with numerous migraines, she decides to send me to the neurologist. So I go there. He wants to put me on medicine that I obviously couldn't take and my ob-gyn wouldn't approve (he asked her before a prescription was written). After a CT scan, the only conclusion was my pregnancy was causing migraines. So... The neurologist suggested to the ob-gyn that I should be taken out (at this point I'm 6.5 months along). I'm taken out of work and the crap with Cigna begins.
I filed for short term disability in which I paid for years. I did all the paperwork and sent the paperwork to my doctors. My ob-gyn was the main doctor whom took me out of work. So, I had her sign papers left and right. Redo her notes because "They were incomplete." "Not enough info." So by the time I talked to someone other than through email I was going on to be 8 months pregnant. With the loss of income, a new baby on the way and losing my job pretty much was ruining our lives. The lady handling my case was trying to blame it on workman comp because I said I was stressed out... Wouldn't you be?
Cigna kept sending us bills to pay the insurance so we could keep it while I was on FMLA. So, we paid it. It included std. Well they denied me completely. They could care less about you. Me. The baby. My other son. My family. 3 weeks before I had the baby I had to file for Medicaid. They decided to cancel insurance on me. Along with no payment. They need more than an investigation. They need to be shut down. It should be illegal what they're doing to people.
I went three months covered with Cigna under STD. My specific case is auto-immune and it took quite some time to find the diagnosis. While under physician's care I got the flu (despite having the flu shot) and missed an appointment with my doctor. Cigna then dropped me and the first notification I received of this was from my employer. I spoke to my claim representative immediately after I spoke with my employer (who explained the consequences of not getting this resolved would result in my termination) and my claims representative accused me of harassment when I asked for an answer.
Here's where it gets fun - my employer no longer employs Cigna so why would this con-artist scam-running JV insurance company care about my claim? Short answer; they don't and they didn't and they have greatly affected my life by pure laziness and lack of any sort of humanity. STAY AWAY. This company is fueled by profit and run by heartless criminals. Have you seen the Christmas movie, "Scrooge"? You'll meet the unchanged Scrooge the second your claim hits a desk at Cigna. They're evil and incompetent and should never ever be allowed to determine the outcome of someone's life. Shame on you Cigna. Shame.
Denial of LTD benefits following first 24 months; Cancer Patient. January 2011; (43 y.o. single mother of 2, Medical Professional) The lump I found on my breast biopsied and diagnosed with Invasive Ductal Carcinoma. Jan. 20th wide edge lumpectomy with sentinel node biopsy. Days following surgery I started jumping through the never ending hoops Cigna places so that you never have a day to take a breath and wrap arms around your Cancer Diagnosis. Delay in payments more documentation from treating: PCP, Surgeon, Oncologist, Radiation Oncologist, Neurologist, Palliative Medicine Doctor. Then they state didn't receive from doctors and or "no date to return". Doctors offices send 2, 3, 4, more times with same response. Hell doesn't matter fighting for your life, brain not functioning from chemo and radiation.
Then you are made to feel you are READY TO WORK. OK, I went back. Only to face following diagnosis that would require total hysterectomy due to ER/PR status of Tumor. To get the surgery I must have insurance, to have insurance and provisions under FMLA... I had to postpone surgery for 7 months! May 2012 Total Radical Hysterectomy. Surgery completed, discharge from hospital 7 days later. Once again start never ending HOOP jumping to secure STD so that I can feed kids and pay for Health insurance. Cigna continues to require documentation from doctors over and over again. Start taking Chemo by mouth. Day in and out worrying what next and when weekly check to arrive. Call Cigna they state check sent, They are in Pittsburgh. I am in Cleveland, was check sent via CHINA?
Radiation kicked my butt, estrogen blocker begins to cause joint pain, MORE fatigue and cognitive/memory issues. Cigna case worker not worried or concerned that I too care for patients and am having great difficulty performing my duties and responsibilities. Wondering how I am going to manage when every time I do a foot check on a patient I can't get back up! Regardless of the fact that I can no longer sleep in bed due to pain from partial mastectomy and radiation which I thought was causing me to fall asleep when I sat down or stopped at a Red Traffic Light!!!
GO BACK TO WORK..What else could I do: seemed no one cared that I was having problems functioning, EXCEPT FOR MY PATIENTS WHO SAW THE RAPID DECLINE IN MY HEALTH. Went back to work, Sept. 2012. I had approximately 10-13 doctor appointments a month. New diagnosis, Autonomic Failure, Syncope with SVT's, Narcolepsy, Hypotension, Multiple distributions of Micro-vascular Ischemic areas on my brain. Not to worry though, still pushing and trying to be the best I could be. AND THEN, collapse at work, June 26th 2013. My heart said NO MORE, the doctors said NO MORE, and my children and friends continued to watch my health decline. Cigna, oh Cigna, more hoops and then they provided me with Advantage 2000 to get Social Security right before I was to change to LTD.
December 2013, LTD paid by Cigna. It took all I had to keep up with their demands and for myself and my doctors to keep calm every time told that Cigna did not receive needed documentation. My Social Security was approved 3 months after application. That's when Cigna wrote to tell me they over paid and now I had to pay them because I received my Social Security ( even though their Attorneys from Advantage 2000 took $7,500 of my back Social Security payment). June 2014, Heart not wanting to function properly, many hospitalizations since began LTD. Now having to have medical device placed in chest, Not To Worry... Have phone in hospital when receive call from Cigna telling me they are reviewing my case and I did not call regarding letter they sent week before!
I tell case manager that I was in hospital, response from case manager "You need to prove that!" So I did. My doctors at the Cleveland Clinic in disbelief on the lack of Case Management by Cigna and their total lack of accepting medical documentation and the fact that no doctor has a crystal ball and would be willing to give definitive date of potential to return back to work. Nor do they accept a trained medical professional who has consistently treated the patient with Cigna insurance, when they state they can no longer work permanently!
Not over yet. July 28th 2014, the lump I felt in my breast AGAIN, Not my IMAGINATION! Biopsy August 4th, Once Again Breast Cancer following radiation and Aromatase Inhibitors! OH WAIT TIME TO REVIEW MY CASE!!! September 20th 2014. Double Modified Mastectomy. October 2014, revision of surgical line left chest wall. November 2014, ulceration of expander left side need to take addition IV Antibiotics. January 1st 2015 Emergency Surgery to remove contaminated left breast expander. The whole time I was going through these procedures and recovery I had to worry about CIGNA approving my on going LTD.
April 2015 re-constructor of left chest wall and right breast with DIEP surgery. My case manager from CIGNA Heather, was only part-time and I could never get hold of her. Left message after message and talked to others on her team regarding late checks and inability to get needed cancer medications. Released from Hospital 13 days later only to return 40 hours later with surgical infection requiring debridement and a Jugular Line for IV antibiotics for 3 months. Shortly following removal of 6 drains and jugular line I received letter from Cigna stating that my LTD benefits would end November 15th 2015.
I opened that letter while waiting for 7th doctor appointment, it was the 6th of November. I broke down in the waiting room, the stress and emotional response triggered my Autonomic Failure, I awoke in the ER of the Hospital. I was unable to reach Heather at Cigna because she only worked 3 days a week until 2:30. No one else could provide information and they would give her a message. My message was not well thought, I had problems talking through the tears and frustration. Since I was no longer able to drive, be alone in home or shower without supervision; my ability to organize all they requested was lacking too. I began emailing all records I could download from MYCHART at the Cleveland Clinic, I called my increasing long list of regular medical specialist I saw on a more than regular basis.
Many provided documentation, however Cigna used only the Severe Depression and Anxiety reported by Psychologist and Cancer Center Psychiatrists that I saw following every appointment to the cancer center 4 times a month. At the time I did not realize they, CIGNA, did this so they could refuse to continue to paying LTD 12 months later! January 3rd 2017. CIGNA sends denial letter of future LTD Benefits. Forgot to mention ECN set up two IME appointments months earlier. The doctor to evaluate FCN capacity had no expertise in anything. We talked about how he and his nurse wife have to care for 93 year old father. That guy listened to breathing sounds and heart. THAT WAS IT. Yet he reported that he did full ROS including bilateral strength, reflexes and such. TOO BAD I WAS IN A CAST RELATED TO OSTEOPOROSIS and total joint destruction of my right ankle.
He reported that he tested bilateral deep tendon reflexes in lower legs, Achilles tendons were good and I could stoop, crawl and dance! JK... No dancing. He also stated that I could not drive or balance. That was it, never mind a diagnosis list over a page long and medications out the ying-yang. Oh sure a nurse on heavy pain medication who can drop any moment is just what is needed in a doctors office, hospital or as stated TRIAGE CALLING! Since the denial I have been diagnosed with Autoimmune Disorders including Sogrens disorder and Rheumatoid arthritis and Osteoporosis, to which the bisphosphonates used to treat. I cannot take due to increased chance of secondary cancers. Secondary Cancers that already have high risk of developing because of 3 prior diagnoses, 2 rounds of chemo and radiation and hormone therapy!
I have been diagnosed with further late effects of chemo and radiation, have not been able to complete reconstruction because of auto immune disorders and am looking at further biopsies due to suspicious lesion on spine. Not to mention stenosis of spine with bone spurs, loss of height and bulging discs. I go nowhere except to therapy and doctor appointments. Due to CIGNA stating that I could do something (an MEDIUM OCCUPATION to boot) I have not been able to go to all appointments or obtain needed medications even though I am on medicare and medicaid. The co-pay on 22 medications is more than I have. Medical evidence with the aid of MRI's, CT's, Bone Scans, Surgical and pathology reports, letters from gynecology oncologist, cardiology biometrics, cardiology vascular and cardiology oncology are pushed aside by a quack that CIGNA hires and pays to say that I can now work?
Even their paid IME report by their own neuropsychologist stated due to fatigue and loss of executive functions, driving ability and memory I would be unable to perform any occupation. However, Cigna decided that the doctor they chose who examined me, was wrong too and then wanted me to see another neuro psych that they probably paid for the right answers before. But due to eye surgery for Glaucoma I could not attend the third IME they wanted so they said I did not cooperate! Like every other person who wrote a review, I had to obtain an attorney. However, I have read case law and found for someone with years to go before 65 years of age, this could be the first of many fights to obtain the long term disability payments from CIGNA.
I don't understand how Cigna can have so many lawsuits related to improper denial of disability benefits OVER AND OVER AGAIN. Why can they push us to collect SSDI from government when we paid to bet against ourselves for a "false protection" for our families should something terrible happen to us that made it impossible to work? Not a wonder why the Social Security Disability System is going to go belly up. The Rich get richer and the poor get DEAD. This is abuse of the social security agency by BIG INSURANCE. I lost count on the number of justified complaints and law suits. Where are the class action lawyers, for it seems that this is one company that justifies the fines and lawsuits by the rest of us suckers who believe that if we could not work we would be protected by our long term disability policy with CIGNA.
President Trump and the social security admin along with the states need to take a look at the deceptive policies of big insurance companies and investigate the abuse the insurance providers are handing out to hard working Americans. We need to stand up and speak out together!!! Cigna needs to pay for the abuse, stress and financial destruction it has caused those who bought into their bogus insurance policies and fleecing of the social security system. See you in court soon, Cigna, with all my pink sisters watching on! Can't scare a dead woman walking!
Just as everyone says, Cigna is absolutely crooked and they should be put under a federal investigation. They lie, never return calls, require you see one of their doctors (the one they sent me to does not even have a license to practice in my state and not only did he not evaluate me he lie and documented he did and said I did not qualify... Hello, hospitalized 6 times since Christmas! He threw his form and pencil against the wall above my head!). Reported to Cigna. Dirty Dirty. Anyone know a Leon ** there??? BAD PEOPLE. WHY ISN'T ANYONE DOING ANYTHING? WHO REGULATES THESE PEOPLE??!
I have been failed miserably by Cigna, while I am going through the most difficult time as it relates to my health. Not because I didn't have the wherewithal to put in place and pay for what they call "Peace of Mind" additional coverages, all because Cigna totally dropped the ball as they promised using fine print, and loopholes to pay for services due. I pay as a single woman $685/monthly premium and elected into all of these so called wonderful safety nets so that in case of a severe medical illness the last thing I would have to be concerned with is getting better. All lies, they have so many hoops they require you to jump through to prove eligibility and once you have done all of their leg work and prove your case, they begin to reach for straws that are so farfetched and unsubstantiated to still find a reason on not paying out on a claim.
My employer has been a dream to work with and they have lived up to their promises and I was covered under short term and although I went through hoops, lost my place of residence in the process of waiting a month for a check, all Cigna would do was offer the same redundant response, "We are so sorry for your loss and what you have to go through, rest assured you are not the only one who goes through this". Really? That is the explanation I received for losing my home, and if that wasn't bad enough my condition worsened, I was diagnosed with some pretty catastrophic disease processes and so instead of going back to work in the time frame I had intended my physicians collectively agreed I needed more time, the streets Cigna alone was causing me was actually exacerbating my symptoms, more seizures, more hospitalizations.
As it was time for me to transition from Short Term Disability to Long Term Disability, I knew for sure after all the hell and hoops I had to go through for a plan my job covered I surely wouldn't have to go through the same, right? Wrong, I had to jump through more hoops, go through more paperwork, submit more things and the kicker is, I paid additional for this protection. All to be denied for that one straw they searched diligently for. A pre-existing condition for seizures all because I was on a medication to treat nerve pain 3 years prior to me having a seizure but this medicine can also be treated for seizures.
The kicker is Cigna provided me a time period they were looking at to determine a pre-existing condition and my 1st seizure did not occur until 3 years and 3 months after this time period. It is still used to deny payment because I guess I should have known I was going to be diagnosed with and have a seizure in the future. What is even more egregious is that all the paperwork substantiated nerve pain, all doctor notes, hospital records indicate this but Cigna will not have a problem taking your money each month in a premium yet will deny what is due to you because of a fictional pre-existing condition.
Thanks to Cigna, and their dishonest practices and deceptive coverages by weeks end I am at risk of losing my car, and my storage, remember already lost my residence. I have no funds for food, medication co-pays and yet they wish me the best in my recovery. I promise you I will spend every waking moment of everyday to inform the public that these coverages we pay into really aren't designed to pay out when you need it the most. Cigna, has yet to the right thing and as Open enrollment is right around the corner it is my mission to inform to protect, promote, improve the health of the people insured by insurance companies such as Cigna who offer all of these wonderful additional coverages that are designed to deny what appears at least 90% of their customers.
Cigna should be ashamed and I will not be ashamed right along with them by keeping my mouth posed, or these fingers from typing I will ask that every group I post in will share million times over so those out there like me, hard working, committed to doing the right thing doesn't get swindled by the multi-million dollar companies taking advantage of someone especially in their most vulnerable and dire time of illness. Waiting on reimbursement from a plan you paid into for protection for absurd, far fetched reasons is just unacceptable, and will no longer be swept under the rug. I will expose as much as I can before others make the same mistake as I did in paying for a coverage not designed to cover me.
I paid up to receive 70% of my check in case I needed STD. I have a serious injury affecting cognitive function requiring relaxing and peace to heal. Off 11 weeks. Got paid for 4. Doctor and I always sent what was asked for. Called so often with no help. Doctor submitted all notes. Always get the "under review" saying "not enough notes". He even wrote more for Cigna because they said they didn't get what they needed. I had to pay with money I didn't have for that note a few times. He's a neuro doc. Smart man. I spent ENTIRE TIME STRESSING because of NO money to pay bills for 2 months. They know they can't get sued because have to deny you first. They hold you in limbo, either force you to LTD or back to work.
These people working here must have an IQ of 0, your people are so stupid, this is not the first time I've dealt with them! My company has had to use their corporate lawyers to argue with Cigna! They cancel the FMLA/STD when they feel like it, they've lied many many times about things the doctor said. I've had to call the doctor and the doctor has called them out on it. Do you hire passersby on the street to do the job there?? I called and actually had your rep tell me it was not a debate why I'm asking why they canceled my FMLA!! This is not a debate??? Are you ** me ?? I pay to have std and my company pays Cigna as well. Who the hell are you to decide and think you can top what the doctor says? Stupid dumb asses.
They canceled last time because doctor didn't cross her T's. ** seriously... I can't stand Cigna and furthermore I hope they fall off the face of the earth. No wonder Anthem don't want your dumb asses!! Cigna is a ** class trash company!! I have the names of your people I've talked to and if your company don't start to get their ** I will absolutely contact the media, every newspaper and every review website I can!!! Us working class are going to fight back! Even if I have to start a petition!!
I'm so upset and I need to share this story. I would like to share my story with you because it may help someone in the near future by exposing some of these insurance companies treatment of people who are really sick. I have been unable to work due to a chronic physical illness since 2/24/15. My salary was a 6 figure income but after going on medical leave, I only received half of that amount. I received Short Term Disability benefits from Cigna for 90 days. Then, I began receiving Long Term Disability benefits thereafter.
On Friday 4/7/17, Cigna called me to tell me that my case had been reviewed by a Special Team of people based on the requested Physician Notes of my Rheumatologist. The Cigna Representative then said that this Special Team concluded that based on the Physician Notes, my education (Ph.D. Psychology), and the fact that I can lift up to 10 lbs, I could be working a job that is sedentary. I then asked, "how can you come to this conclusion when one of my problems with work was that it was painful for me to sit or stand for long periods of time?" I told him that lying down on a heating pad is most helpful. I explained that my medicines cause me to be sleepy and drowsy, my medicines have not changed, and my symptoms like fatigue had not changed.
I asked them why they were doing this to me. My lab work shows that I definitely have autoimmune problems & problems with fibromyalgia. I explained to him, that If I could be working, I would be, because I've lost half of my 6 figure income, my home, and so much more. I'm really upset for 2 reasons. 1. The Physician Notes state that I complain that I can't stand or sit for long period of time without pain, medicines cause sedation, chronic fatigue, fibromyalgia, and all my other complaints. 2. I will no longer be able to struggle to pay my COBRA Medical Insurance with BCBS of Arizona. I've struggled to pay the $880 premium for about 16 months. As of May, 2017, I lost it forever.Now, I will be one of those millions of Americans that is uninsured with pre-existing conditions because I am also a breast cancer survivor, hashimoto's disease
(hypothyroidism), and should never be without insurance. If something catastrophic happens, I don't know what I will do. I can't afford my ** 2x per day which used to be $4 per refill. Barely enough money for pain meds, stomach meds, & thyroid med. I'm so mad and upset with Cigna for unnecessarily putting me in the position to lose my health insurance and have no money coming in. I have embarrassingly had to file for food stamps. My Social Security Disability case could take up to 2 years to receive a hearing. It's so depressing. With the status of Health Care Insurance in America, I've been put into a life-threatening and life-changing position.
I have retained an ERISA Attorney with the intent to get my Cigna Long Term Disability benefits back. But, angrily I say that I will never be able to get my COBRA benefits back. Also, I might not qualify for TrumpCare because I have pre-existing conditions. Medicaid?... Who knows what's going on with that. I would like to share my story because I hope that it helps someone in this world so that insurance companies like Cigna can be exposed for causing harm to sick people... sick paying customers. Based on my online research, I found other people with a similar experience. This is repetitive behavior toward the sick that has caused a domino effect of damages. I hope for a Class Action Lawsuit one day soon. Please help us...
Updated on 08/19/2017: I did get a response from Cigna via email and a call a few days after my complaint posted, with no immediate relief. So, I continue to be filled with extreme Anger, Frustration, and Distress. Through all that I have been going through with my illness, Cigna still has not reinstated my benefits. I have been extremely ill with what I thought was a flare from the Connective Tissue Disease/Fibromyalgia. Oh NO!!! As of July 26, 2017, a Dermatologist diagnosed me with Lupus. For right now, it is Discoid Lupus Erythematosus but there are other tests and medicines that I need to get done and because of Cigna’s INCOMPETENCE and Profit-seeking GREEDINESS, I was denied benefits that was proven in writing by my MEDICAL TEAM’S assessment and documentation for 14 + MONTHS that have met their criteria and I don't have the MONEY to get MEDICAL CARE.
I have to WAIT 3-4 MONTHS for and SSI APPLICATION for MEDICAID!!! THIS IS WRONG!!! The loss of my COBRA is DAMAGING to my HEALTH! Cigna is DAMAGING my HEALTH!!! The state of South Carolina and I’m sure there are many others need HELP. People are damaged and emotionally distressed!!! ERISA attorneys can only do so much and they get ½ of your Back Pay or 1/3 of your Settlement if you win… but that’s just NOT FAIR!!! Cigna should have to for the fees of the ERISA Attorney!!! THE PATIENT needs all of their money… ALL OF IT!!! I have a great chance to get my COBRA back if I get my Cigna Benefits reinstated, but I'm still waiting on relief!!!
Cigna should have to pay for the fees of my ERISA Attorney!!! THE PATIENT NEEDS ALL OF THEIR MONEY… ALL OF IT!!! I want to be REIMBURSED for ATTORNEY'S fees, Money out of my pocket that I have to borrow for doctor appointments and medicines... but not all of my medicines. I CAN'T afford them!!! Food Stamps only buys food and I'm too sick on some days to eat!!! I'm trying not to be homeless.
Please HELP ME/US in the state of South Carolina to follow the suit of California and others to get a Class Action Lawsuit against Cigna. I will not STOP until I get justice!!! I have read the Cigna Class Action Settlements. I am a prime example of their previous violations and I have proof. I already have my written proof. Please HELP ME/US in the state of South Carolina to follow the suit of California and others to get a Class Action Lawsuit against Cigna. I will not STOP until I get justice!!!
I have never had to be on disability before but I got hurt very badly on 12-22-2013. Cigna paid my long term disability and I really didn't have any problems with them other than a couple checks getting lost and somehow my auto deposit got messed up. However when Time Warner Cable turned into Spectrum my Rep got ahold of me again and wanted me to go to one of their Dr's. I had no problem doing that. I recently had my leg amputated and had to move three hours from my home to a ranch style home so that I could get some help. I am not always able to drive to get to appointments and I was told to just let ECN and they would provide the transportation. I only received 1 letter to tell me about the appointment and it said nothing about losing my benefits if I was unable to make it.
They also never offered transportation. The day of the appointment came around and I had blisters on my residual limb. I was unable to drive and had no other way to get to the appointment that was an hr and a half away from my appointment. I canceled and they immediately cut my disability on March 21 2017 and they've been running me around ever since. They won't return my e-mails or calls. They didn't even request my medical records from my Dr.'s this year. They canceled me without warning. I have absolutely no income at all. I have called and wrote. By law they have to release my records that they made their judgments on. They still have not sent them.
I am unable to do my job or any other both mentally and physically at this time. I am still learning to get around. I cannot get any help from anyone there, even though I've been told to send my records and notes in for a new review. I am so frustrated. I'm an amputee with a lot of problems. There is absolutely no reason for me not to have my disability check and I've proven it time and time again. I guess it's time to get an attorney. I see they've been sued over and over and the insured people have won. I sent this to my rep March 29 I am super super suicidal thru all of this and I haven't found a doctor out here yet. I couldn't get to it even if I did.
I received the letter you sent. Right off the bat it says if I am unable to earn 80% of my indexed earnings. I'm not exactly sure what that is but I can't even work at a gas station right now. I found the medical report from when I went to see Dr. ** on 2-27-17. I also seen Dr. ** on 2-27-17. I sent you an email giving you my shrinks information the very first time I seen her. 2-21-17 I'm attaching everything I've personally found so that it will make more sense (hopefully). I also sent an e-mail to let you know that I was going to see Dr. ** because United Healthcare wanted me to see her again to TRY and get my prosthetic approved so that I can hopefully start to lead a normal life.
Dr. ** noted the same in her records from 2-21-17. The office manager told me these records were never even requested by Cigna. Neither were Dr. ** or Dr. Sharon **. I also spoke with Yankee bionics and they said they've never been contacted by Cigna either this year or since I emailed you about the appointments. I spoke with 3 different people at ECN and followed up with e-mails for the appointments because my mental issues make it very difficult for me to remember information. I like to put everything in writing to make sure we're all on the same page. It's really hard to keep all of this paperwork together but I think my friend has found it all. ECN never offered a ride out here.
The appointment was scheduled an hour or more away depending on traffic. With my body being the way it is. I never know from 1 day to the next or 1 hour to the next if I'm going to be able to walk, drive, crawl, focus. I'm working hard to get better but without money for medication and gas to get to doctors and support groups I'll be like this even longer. The thought terrifies me to the point that I would rather die. I feel so helpless. I've tried to do everything I can possibly do including follow up with e-mails just to make sure we're communicating. Neither ECN or Cigna sent me any documentation about losing my benefits if I was unable to make it to that doctor appointment that they set up. It says that I did not provide a reasonable excuse.
I e-mailed & I called to let them know that I couldn't make it because I had no transportation. I couldn't drive because I had blisters on my stump and I couldn't put my prosthetic on because it doesn't fit right anyway and it sure wouldn't go on my stump (leg) like that. I let them know that I was stuck. Blisters lead to infections and infections lead to more amputation. I'm going to attach everything that I've found. The attorney said I may be able to get Cigna to reexamine their decision with all the information I'm providing and possible continue my benefits like they should be.
Everything I have proves I'm disabled and the calls should be able to be pulled at ECN clarifying what I was told and that I was never told about losing my benefits if I missed the appointment. I was never offered a ride and I never received any of that in writing. I'm frazzled, scared and they've just caused more mental issues than what I had before. All this was so sudden with no warning and I'm about to be kicked out of my home.
I truly don't know how this company legally gets away with how they run their business. Calls are never returned, constant lies, close accounts without speaking to the customer. I don't want to get into my medical condition. I just want you all to know I have 4 doctors that support my disability claim. Cigna closed it. The funny thing is with much support from my doctors Cigna took 3 months to even respond to my claim and then they want my doctors to respond to them instantly with questions regarding my claim. One of my doctors did not get the information to my claims adjuster on his time so he just closed my case.
Cigna 3 months to look at my claim but gives me two days to get the required information. Plus numerous calls to the claim adjuster and no response back. I can't even tell you how I just want to drop a bunch of swear words right now. I am so upset. This company seriously should be investigated for fraud. Just read others people's comments. I truly feel for them. They are in the same position as me. And as far as Cigna is concerned I will see you in court. My case is solid.
Updated on 08/19/2017: Just following up on a review I gave Cigna and where my case is now. Nothing has changed and they closed my case. After I wrote my first complaint a case manager reached out to me told me he would help me through the whole process and what to do. Said call him direct anytime. After the first call that he placed he never answered or returned my call from me or my wife three times. In fact we have not got a hold of him since he called us. Just yesterday I now receive a letter from their compliance specialist. Basically his letter is just detailing previous conversations and some of the medical conditions. Also stating we need to file an appeal. Their case nurse is making the call on denying me my disability. It's funny but not. Two doctors state in their notes that I should not be working period. I have mental impairments from a head injury that have left me with the inability to work.
I believe unless you can't pick up a pencil you will be denied from this company. Well back to my point of this part of my ongoing complaint. This compliance specialist also at the bottom of the letter said to call him for further discussion or questions. No answer voice mail. After trying to work with this company I can tell you this. I have been lied to over and over. No returned phone calls, been told by case manager he would help with whatever he could help with. Can't get hold him. And now they're sending letters instead of calling me direct. Seems this company goes out of their way to avoid helping with claims face to face.
So here's a break down on why I consider this company a scam. First off they almost certainly word their claims policy so it is next to impossible to be approved. Secondly they are run so poorly. They intentionally never return phone calls when they say they will so you get completely frustrated. Third they make you jump through so many hoops you feel drained. Cigna goes out of their way to make your experience so bad they want you to give up.
Well I have been out of work for months now but I refuse to let them win. My wife has put one last call into our case manager to see if he will return the call. If he doesn't we have compiled all of our information from my doctors, discussions and lack of discussions with Cigna. We will then approach this legally and I will become much more vocal on social media about Cigna and their disability insurance. I don't know if Cigna supports people with mental disabilities as they do people with physical disabilities. Mental incapacitation is just as much a disability as physical. The thing that gets me is my doctors couldn't be more clear. They actually say I cant not work in the notes to Cigna.
And I would say maybe it's just me having this experience with Cigna. But I have a co worker from when I was working. His kidneys are failing and is waiting for a transplant. He too filed a claim with Cigna and at the time was getting the same misleading and lies information on getting his claim approved. I don't know if it ever got resolved for him.
So just one last thing and this is my opinion. Don't pay a penny to this company and your employer should not either for disability insurance. It is so not worth it at all. Look at all the complaints very similar to mine. There has to be better disability insurance to pay into. I'm just glad I didn't pay into long term disability and my company paid for short term. Thank you all for reading what I had to say. This will be last time I communicate on Consumer Affairs about this issue. They have been nothing but outstanding. Thank you Consumer Affairs. Time to start posting on bigger outlets of social media about Cigna.
I am sick and tired of getting jerked around and lied to. I'm on my second claims manager since I applied for short term disability and neither one of them will answer their phone or call back. I am supposed to be getting $560 a week. They are not consistent with the issuing of the checks. We almost had our electricity cut off, I am late with rent and other bills which is causing late fees and is cutting into our food budget really bad. I have to borrow money to get food, toilet paper etc. Then I have to pay that back when I get paid.
The customer service tells me that my doctor's office sent them the correct paperwork but no notes. I call my doctor's office and talked to the lady in charge of it and she said that they did send notes and so she had to fax it to them again. They have done this twice now. I can't get through to them. I have had third parties try and they could not get through to the claims manager, their supervisor and the supervisor's supervisor. It is a joke. I pay for this benefit and then they expect me to do their work calling my Doctor. That is their job. I am not an employee of Cigna.
I've never dealt with such incompetent people, out-right lies and manipulation! They stall, waste your time and energy and anything else they can to frustrate you and cause you to give up. After 4 months of short term due to major back surgery, they decided I should be able to return to work even though my surgeon said NO! They closed my claim citing 'lack of clinical evidence' although the past two notes from my doctor contained the EXACT SAME INFORMATION, all of sudden, it's not good enough! When speaking with my case manager - after numerous messages and no call backs!, she advised that before filing an appeal I should get another letter from my doctor. That's what I did.
When I called to see if she had received it, she told me 'Just want to let you know that because of the time that has passed since your claim was closed, we may not be able to consider new information'. So, she outright lied and advised me to do something that was of no value except to waste precious time and frustrate me further!
I rely on this insurance provided by my employer to pay my bills when I'm unable to work. Now I'm getting behind on bills and don't know what I'm going to do. How is a person supposed to heal from major surgery when they are running around trying to get the insurance company to do THEIR jobs and not having the financial support they counted on? Cigna should be investigated. They are ripping people off when they are at their most vulnerable and it's not right. Why doesn't someone do something? How can they continue to get away with this? I would NEVER recommend anyone using this company for anything EVER!!!
Updated on 06/06/2017: My company has contracted with Cigna for short term disability benefits. They closed my case prematurely and keep giving lame excuses regarding the information my doctor has provided. Once they saw my review, they reached out and acted like they wanted to help. HA!!! All they did was give me the same BS line I've been getting all along. Please, do not give this company your money. They will keep it and when it's time to pay out benefits, they will play every dirty trick in the book - and then some - to make sure you don't get what you have coming. They are incompetent and greedy. And don't fall for their "I want to help" BS!! They flat out don't give a damn.
Never give your money to these people. Every negative thing you read is true. I was taken out of work for panic attacks on March 13 2017. May 5 2017 I'm denied. After doing everything I could and jumping through every hoop. They played my doctors against each other because they didn't say the exact same thing. Two doctors, a family practitioner and a psychologist with a combined 80 years of experience say I need to be taken out of work for a few months because I'm disabled. But a claim rep and a Nurse say I'm ok. How does that ** work? I hope these people rot. I'm getting a lawyer and I can't wait to see them in court.
I found out late in the day yesterday that Cigna is denying my claim for STD. Is there any help that I could get to reason with these people? I have read numerous complaints on various internet sites about Cigna wrongly denying claims. They want their money but not a priority to pay you. Firstly, they made me wait for any decision, till I saw the rheumatologist, which took a month to get an appointment. The rheumatologist my doctor wanted me to see had appointments in July! Thank God I found another doctor earlier. At least I started the iron therapy sooner.
I have sent numerous faxes to them from my doctor who said I could not do my duties at this time. My diagnosis is fibromyalgia, iron deficiency anemia, uncontrolled diabetes, and trigger thumb. My doctor felt that the dizziness, extreme fatigue, unsteadiness, brain fog, low grade fever every day and pain would warrant a specialist and had me out of work. They are saying there is not enough clinical evidence to pay STD. Are you kidding me? I cannot drive myself anywhere and having trouble doing normal daily routines like bathing, cooking etc. They are causing me more stress and now my doctor wants me to see my psychiatrist due to increased anxiety.
We will not know what caused the anemia till I have the endoscope this Monday. They are looking for bleeding. But they are closing the case... Does this make sense? I paid for this insurance and they are giving me the runaround. I am trying my best to get back to work, but the doctors want more tests. What am I supposed to do? Since the rheumatologist ruled out Rheumatoid Arthritis - I was sent to a Hand specialist to determine the pain in my hands. He wants me to see a neurologist for a nerve conduction test and he gave me cortisone shots in my thumbs and I am wearing thumb splints for 2 weeks (day and night). How in the world can I type and use a mouse when I can't even hold a fork correctly? I am using my tablet and 2 fingers to type this.
I am at my wit's end and will now have to appeal. I just want to get whatever is wrong - fixed so I can be productive and work. How do they expect anyone to get better if they will not stand by their motto for the reason we buy their insurance? Medications, doctor appointments and procedures all cost money, not to mention you do need food and utilities to survive. Feeling helpless.
I was in a MVA on 3/31/2017. I called Cigna on that following Monday to start my claim. It has been hell!!! I made my claim. I start calling after a week when I hadn't received any communication from them. I was assigned a case worker named Selina. I left messages for her almost daily. She never returned my call. Her outgoing messages said she would not be back until April 29th at one point!!! What?! So feed up after not having none of messages answered and being hung up on by customer service reps I demanded to speak to a manager. Selina called me. She said my case was under review and they needed me to sign a release so they can get my hospital records. This is on April 24! My rent is due for May!!! I am livid!!!
I signed my release and my doctor turn my records over to the company that faxes them to wherever they need to go. I called again leaving messages for Selina. She finally called me back on the 28. I asked have she received my records. She said, "No." I had already called my and spoke my doctor's office and the company that handles my record, they were waiting for Cigna to pay for the records. I told her this. Her reaction was, "Oh yeah. We will send out the payment. It usually takes 10 days!!!" I can not believe this company!!! So incompetent!!! I have been waiting 1 month to get paid. This company sucks **! I still have no idea if or when I am going to be paid.
Hi. I have been a patient and been approved for short term disability since February 24th. The issue is that while I was initially approved it was only for the dates included on the first evaluation. So that was through March 9th. Now I was released on sedentary work March 10th and have been since due to my ongoing whiplash injury. So my work won't let me come back until I'm full duty so I should be continuing to receiving short term disability. I was approved for up to 11 weeks. Well the insurance company never sent me anything. I updated faxes with what I thought they needed. And when a few more weeks went by I started calling. I called and left messages, I called and hung up from frustration. I get told "Oh yeah just fax it into this number, that's the wrong number." Okay I refax my release forms, medical test results... I'm good right?? Nope... Another two weeks and I'm still not sure what's going on.
I start calling my insurance company again, this time during my appointments. To make sure we are all on the same page. Ohhhh they have been sending faxes to the doctor's office requesting appointment notes on my case. Well, I'm informed that, that information is available from the main office. Okay, I make sure my insurance company gets the main office's fax number. So they sent their request, well they tell me they did cause at this point I don't know who to believe. My doctor's office said they've mailed them in twice. All I know is that I'm a single Mom. I was rear ended by a big truck after picking my son up from school. I've had terrible headaches, lower back pain and neck pain since. I do what I'm told the best I can.
I am trying to get better and get back to work and on with my life after being victimized by a company that's driver didn't have the right training or license to be driving for and should have never been behind the wheel of that truck. I'm a retail manager and my job requires me to lift up to 30 lbs, bend, squat, and stand on my feet for 8 to 12 hours a day with a half hour lunch break. 44 hours a week. Not something easy to do when you are in a lot of pain. So I'm doing what I have been told. I'm taking it day by day, doing therapy, getting back to my normal life... Only financially it's beyond what my normal life was like. Yeah I live paycheck to paycheck. I'm a single Mom and don't have a degree or make a lot of money. But I do have rent, a car note, insurance, school lunch money among the list of many things in life that require an income. And I'm proud that I make above the poverty amount and don't receive government assistance.
I did, a long long time ago. It's hell. And yet I find myself in a more desperate situation everyday. All because somehow, someone isn't getting the information they need to approve my disability so I can pay my bills and support my child and myself while I'm off work due to this horrible unforeseen accident that has seriously screwed me both physically, emotionally and financially. So could you please find out what else needs to be done? Can someone, anyone help??? Obviously not my insurance company. I literally got released to work April 27th and called the insurance company only to be told that they still haven't received my paperwork and will need to review it. Ooohhh and they may not approve my disability to be continued.
So I've been off work due to a car accident since February and they are not sure if they are going to pay me??? Smh. What kinda crap is that? Oh and never ever leave a voicemail! They do NOT call you back! They don't care about people at all! Worst company ever! Glad I don't have them as my medical insurance company! PLEASE AND THANK YOU!
Short term delayed due to lack of common sense. My husband is a diabetic who at 43 just had glaucoma surgery, unable to work. Has paperwork filled out, doctor sent and Cigna always has an excuse as to why they are still reviewing. They don't have all the info or now they need something else sent or filled out. They are so incompetent of doing their job, lack of common sense! It's been a month and no one seems to know what they are doing there! I'm sick of dealing with 3rd parties instead of the employer. I give Cigna no thumbs up, they suck at what they do!! Very, very very disappointed!!!
Do not give your money to this company. I worked for a company in the HR department and paid for short and long term disability. I had a tumor between my spine and spinal cord. I was left with nerve damage and I'm totally disabled. They paid me for 2 years then stopped. They sent me to one of their employees to give me a test to see what I was able to do. He told me at any time I couldn't take anymore I could stop. I did as much as I could stand to do. Cigna said the guy said I didn't try and just gave up and left. They said they were not going to pay my LTD.
I have a lawyer who sent me to another company to give me the test. They said I was not able to work. When Cigna reviewed it again they used the 1st test they did on me, to take more time. If they turn me down this time we are going to sue them. I can't wait, I have been waiting so many years to get paid. My husband passed away last year, I have a mentally handicap son, I need that money. I can't believe they can get away doing this to so many people.
I filed my STD claim 2/28. I have my doctor fax the required form and office visit notes. My first week of disability would be 3/27. When I saw my doctor 3/21 his office faxed the required paperwork and office visit notes. I called the contact person and said the notes were not received and that there is a lag time with their faxes, several day lag time. My doctor's office faxed these office visit notes five times. My contact person was out last week. I spoke to someone Friday who said yes they just received the notes and she would forward them to the office for review.
I called today Monday and spoke with my contact person and said these notes were not even sent to the office for review. He will send them today for review tomorrow. I asked why tomorrow when it was only 11:15. "Oh the office needs to have them at 900 to review them." Very suspicious that when it comes time to pay me they closed my claim without notifying me. So now I will wait again. I call several times per week. This contact person I spoke to the day before they closed my claim. This is poor business practice. My employer pays CIGNA money for my STD.
I am VERY unhappy with the services that I have received from CIGNA. I lost my baby due to a pregnancy complication on March 2, 2017 and I had to go on leave from work. I filed a claim with CIGNA (short term disability) and it has been nothing but a big headache. I have to call these people at least 2-3 times a week just to get my check mailed to me. I am still awaiting my final check from CIGNA. I feel that I shouldn't have to call them this many times to make sure they're doing their job. I have been very compliant with every request they have asked of me. I feel like the Reps don't care about their clients or their needs. I will definitely be seeking another insurance company SOON!!!
I am a type 1 diabetic with very high to low sugars along with stage 3-4 renal failure. I suffer from depression along with blood clotting disorder on top of anemia, and now recently been diagnosed with gastrointestinal disorder. I have been on long term for over a year now and had to go to doctor many, many times before. It was good enough for them To accept with all these illnesses. My doctor retired and left notes on November who put me on disability and what do you know they wanted notes from a doctor I just have gotten established to and have seen one time which he even said looking at my chart I have a chart of an 89 year old woman and I am in my thirties.
I have not chose this life and instead of letting me worry about my health Cigna is making sure I quit with trying to get my ltd. I asked them before I went to new doctor what they needed from him and then never gave me any paperwork. So with that being said I emailed my Cigna contact and asked over and over if I needed anything because the new doctor wasn't quite sure with what exactly they were needing besides a copy of the 15 things I'm dealing with. What else they needed to understand I'm sick. I of course got no response. So guess what I am back to square one with them. Don't worry when it comes to health and mine and taking a stand. I'm a fighter. They can go screw themselves because I refuse to let them and their crew win.
If you are reading this, hopefully you have not paid these criminals a dime!!! Long story short, believe all these negative reviews! Also known as "LINA" Cigna Life Insurance Co. of North America. NEARLY EVERY NEGATIVE thing you see in the foregoing rating HAS HAPPENED TO ME AT LAST 3-10 TIMES. I was constantly lied to! They try to make everything your job (to do their job). I finally call them on the lies. They back off for a month. But go on the same.
I was told by my claims rep that California (where I live/work), did not have legal jurisdiction on my policy because the policy was "written in TEXAS" ***BUZZ LIE #1. **! Not only do they fall under California insurance laws but they have knowledge of this, and but are under court order in California among other things, but they knew about then order, to stop high pressure and deceptive practice. I could go on for an hour about my bad feelings and bad experiences, as they never STOPPED! RUN!!! DON'T WALK AWAY FROM THIS HORRIBLE COMPANY!
I am 62 years old and have been at the same company for over 41 years. I have been paying for this LTD for that long and have never use it. I went out for medical problems and filed with this mickey mouse con insurance. I have never heard or seen this type of treatment by any company but this company you should stay away from or not carry through them. Yes like others have said they keep putting you off and throw more and more paperwork out at you. At one point my surgeon got on the phone with Cigna at his office and told them upfront what else do they want. They couldn't answer the question. I talked with other employees at my company and they too ran into the same problem. If you like being lied too, given wrong info, put off, stay pissed off, deal with fraud, and last but not least NEVER getting them to do their job or return a phone call this insurance company is for you.
Cigna Disability Insurance Company Profile
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