About Cigna Disability Insurance
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I see how this company stay in business. You pay for short term/long term disability in California just in case you may need it one day. And when it’s time for you to have to use disability. They tell you, "We don’t pay California residents." Well why I have been paying into this for over 4 years. The claims agents never ever call you back. Calls her every day. No call back, leave messages, etc. I hate the way this company operate. But I do see how they stay in business. Paying into something that will never benefit you. My last time on disability they said I didn’t have short term; then I went into long term. Then they said I didn’t have either. Come to find out I had been paying into both thru my employer but they always keep you waiting. They keep telling you they need more and more information. No
Matter how much information you send them. The answer is always, "No we paying you $0.00."
I am officially back to work (foot reconstruction surgery). I received 0 payments from start to finish from CIGNA.
I literally paid an extra premium with my employer to have this service as a (peace of mind) in case I ever found myself in a situation in which this service would benefit me. After paying for this coverage for over 4 years I found myself in a scenario in which I qualified for LTD benefits. (I had foot reconstruction surgery.) My short term disability ran out last month and my long term disability was supposed to start this month. Needless to say that’s not going to happen. I have received multiple letters stating that more information is needed. I called and provided all information I had. I was at the doctor's office when they sent what was required from them and I did the same with my employer. I received another letter from CIGNA that states more information is needed from my employer. I called my employer and they informed me that they had already sent over all information.
So what I thought was going to be a “peace of mind” decision ended up not being that at all. The date that the letter says that CIGNA will start looking into other options will be almost 2 months AFTER the date in which the benefit was supposed to start. If I were to use my current experience as a guideline in which to expect a payment, if I get one at all, from CIGNA will be between 4-6 months after my benefit should have started. At this point I will have already returned to work and will receive absolutely nothing from CIGNA. The only positive thing to come out of this experience is the money I will save every week when I cancel this service.
Bryan, I understand your frustration and apologize for your experience. If you change your mind, I'm available at LetUsHelpU@cigna.com and would be happy to help in any way possible.
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This is the worst company for short term disability. I definitely would not recommend anyone to enroll. When mine expires I would not be enrolling in Cigna
Short Term Disability. All they want is your money.
I would select zero stars if it were an option. I would not recommend Cigna/New York Life LTD insurance for anyone. I was approved for a period of time, paid back thousands of dollars after being awarded Social Security Disability and State Retirement Disability, but this company claims these two factors mean nothing to them. They refuse to continue payments even though I just became eligible for Medicare after waiting the two year requirement from Social Security Disability. This company is fraudulent and should be put out of business.
I am very frustrated and severely disappointed with Cigna. I was in a car accident in 2020, which left me unable to work- also I have chronic illnesses. They requests records already submitted, no call backs. Horrible to treat people this way. I am totally disabled. No income.
I experienced a myocardial infarction and acute systolic congestive heart failure after an emergency cesarean. I was on maternity leave and my doctor extended my leave as I am having issues with breathing and passing out due to blood pressure issues, heart rate issues and iron levels. My doctor has ordered additional echocardiograms and submitted all the necessary paperwork. I was denied my echocardiogram and told I should have a treadmill stress test first. Then my leave manager asked for additional clinical notes. They were submitted 3 TIMES!!! Cigna stated they never got them, so I uploaded them myself after they were faxed to me. They then asked for additional questions to be answered. These questions were already answered on the prior set of paperwork they got last week!!
Now they refuse to resend the questionnaire because they have “exhausted all attempts” which is complete crap! The last rep I talked to was extremely rude! Why even have this benefit if they refuse to approve them? I can’t hold a sentence, let alone a conversation, without being unable to breathe and pass out, yet I’m supposed to be able to go back to work where I answer phones for 8-9 hours straight!!
I am very confused as to why we are being told my short term disability is running into long term disability with a partial nephrectomy and kidney transplant. STD started Sept 10, 2020 (I get 26 weeks which would be March 2021) - everything with pay flowed smoothly with no delays until Dec 31st 2020. Everything stopped. We were told documentation including medical notes from doctors were needed and we provided this info on January 8th and 11th to Cigna. Then we're told that long term had to be approved before short term could be approved.
I am so confused as I DO NOT plan to be out long term and as of Dec 31st my expected return to work date is February 4th - so please explain why I have not been paid in 4 weeks under short term and now being told that long term must be approved to get short term back pay. Kidney removal/organ transplant recovery isn't a walk in the park. Surgeons and medical team advised me I would be out of work a minimum of 3 months after transplant. Just want to get back pay of last 4 weeks and then Cigna can work on long term if they choose to do so. Stoney **
I got injured few weeks ago and ended having an Achilles Tendon Repair surgery. Anyone who even does the slightest research knows the pain and that these type of injuries go for months and months of bed rest and eventually you can start learning to walk etc. My job requires walking 8-10 hours a day and sometimes even power walking and rushing never sitting down. I placed a short term disability through these people and forward them my surgeon's notes and release paper. My surgeon says I need a sitting position and I need to be transported to and from due to injury to my right foot and cannot even drive. Cigna approves me for one check and my expected to return to work date was 12-29-2020.
How is that possible. I called them multiple times. Everyone seems to have an attitude like if they are the ones that pay you out of their personal pockets. Last time I called was today and when I asked them if they receive the paperwork they requested from the surgeon now they want to add that they want the primary doctors paperwork. What I don’t understand. For what? All my primary did was tell me that I needed an MRI and then recommended me to a specialist. I’ve yet to see him since surgery I been in bed all this time and now basically I won’t receive anything else from Cigna until they evaluate whatever the primary doctor sends???? How does that make sense.
They look for ways to halt your pay, the primary has nothing to do with anything first of all and you have the SURGEONS PAPERWORK stating expected return date, stating the details of my Injury. My case manager name is Cici and to me. They just want to not pay anyone. I will never recommend these peoples to anyone looking for any type of insurance or add ons. I’ve had co-workers with similar issues and also stating that they give attitude when you call. I wish I could had gotten colonial through my job, they always help and Colonial had no issues paying anyone. Cigna to me is just trying to take your money and when it’s time that you need it they just find any reason possible to deny you. I would not recommend to anyone, all they’ve done is cause more stress and depression through an already difficult situation that I’m facing. DO NOT WASTE YOUR TIME AND MONEY WITH CIGNA.
Hello Erick, I am truly sorry for the frustration regarding your disability claim. Please email me at LetUsHelpU@Cigna.com. I would be delighted to help. Thanks-DN
I have Cigna through my job. And I had a c-section 6 weeks ago and I am dealing with depression and postpartum. Which my Obgyn referred me to a maternity physiatrist. Which I can't get in until November 12th and they sent all this to Cigna and contacted my case manager Sharon and sent her my records to extend my claim and she basically called me saying she has to close it until I see the physiatrist. I am waiting for her supervisor Jennifer to call me back. So basically they want me to go without for two weeks until I see the next doctor and I am not mentally wise not able to return back to work right now. So Cigna is putting me through more stress anxiety and depression. I do not recommend nor would I trust this company.
Worse company I've had to deal with. Claim#**. Left hip replacement. First, Lady who originally took information did not insert into computer. Second, had to call in multiple times to get a hold of case manager and threatened to contact supervisor if she did not return call. Third, approval 2 weeks because she said she didn't have all paperwork from doctor. Had doctor re fax. Fourth, nothing for weeks. Fifth, again no call back from Catherine case manager. Sixth, called. Sat on hold for 1hour 18min and 2sec. Talked to another associate that looked at my information and said they hot everything and it wS in reviews, I asked for them to email Catherine and have her call me.
Seventh, nothing...Had to threatened again before she called me back. Eighth, said that my account was close because my hotel was sold and not covered and I owed them the money that was paid for two weeks. I said my hotel not sold to contact my HR. She said it's close and hung up. Ninth, called supervisor 10/15/20. Said she would email my HR and get back to me. Tenth, 10/26/20 not a call back. An associate left message with supervisor Jennifer to call me back, that was 3 hours ago. Been without income since operated on July 20th 2020. Ridiculous! Karma and hope follows these people who have worked on my case and have not seemed to care. Worse company ever!!
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