Cigna Disability Insurance Reviews

I’ve been long term since September 2019 with Cigna. Mind you I paid in for long term disability. I got 1 check full amount. Second check 145.50. They assumed I’m receiving SSI. It’s Thanksgiving. I have no money.

My employer uses Cigna for their short term disability claims. I was scheduled for induction on Nov. 4th. I called on Oct. 30th to file a pre-claim. Ended up going into labor on Oct. 31st and had my baby that day. After being dismissed from the hospital I called Cigna on Nov. 6th to give an update on my claim. Called again on Nov. 13th because my pay stub didn't reflect my short term disability. The dates were never updated in the system and it was never assigned. Called again on Nov. 15th the dates were updated finally and I was told it was being escalated to be assigned and I should know who it was assigned to by Nov. 19th. Called a 5th time on Nov. 21st and it still hasn't been assigned. Was told it was being escalated a second time. Still waiting...

I have been on disability since Aug 13, 2019. Cigna has been giving me the run around just like the reviews said they would. I have provided them with everything they asked from me and my Doctors. When I called each time to get an update from Phillip, it was always a problem. He would tell me he had everything but the next time I spoke with him weeks later, it was something different. I have never experienced anything like this. In the past UNMA was always professional, timely and truthful. To be totally honest, Cigna has caused more stress, anxiety, and pain with the additional stress and lies. A person should not have to go through this type of treatment during a time of crisis. I have paid on time each month, so I'm now waiting for them to own up and be who they say they are. Think about it first before you sign on the dotted line. SMD.

My short term went perfectly smooth but when the transition came to long term everything went bad. Between getting the runaround and no answers completely it was absolutely unacceptable. This is a service you pay for not a favor. So it's been over a month since I got a check, I guess my bills, late fees, cancellations, etc., are no problem. No need to get food either. I'm going to have to start back to work after my hand operation before it's healed, I have to wonder who's going to be held responsible for permanent damage since I had to go back to work to survive because I couldn't get paid from the insurance THAT I PAID FOR!

I’m having the worst experience ever with Cigna. I had my surgery Oct 8th and instead of me sitting home trying to recover I’m up and down the road trying to get all kind of medical release signed. I’ve called Cigna everyday since my surgery and everyday it was something different. But if I have not called I wouldn’t have known. Then when I expressed my frustration all I have gotten was attitude. I spoke with my claim person Kristi one time since I started this process and she was horrible and acted as like I was getting on her nerves. I hope I never have to use Short term disability again with Cigna because they are the worst ever. Being out of work is stressful enough but having to go through this is the worst. When you see Cigna group for short term run from it. It’s the worst.

I was diagnosed with adenomyosis in May 2019, was not given any treatment(s) for it besides the option of IUD to help with the heavy bleeding (not the biggest issue- it was more the pain) or a hysterectomy. I sat on my options for a while and dealt with the pain. It got too severe to the point of not being able to do my daily exercising. So finally after 6 months of dealing with the pain, I decided to have the surgery done, since I would have the funds of my bills covered for that month (so I thought!)

I have been paying for short term disability for a year now and when I finally needed it after my surgery it has been the worst experience I've ever had. I was forced to return to work early but my supervisor wouldn't let me return to work until the previously agreed date. So I will not receive a disability payment or a paycheck putting me even further behind on my bills. I am being punished for needing surgery, even after I paid for the insurance to prevent me being in a financial bind during my illness.

Do not walk, run the other way. I will start with saying that I have tried to resolve the issue of no payments by requesting a manager. I was refused a manager! All requested documents were confirmed of of been received by Cigna directly. Yet, I have not received my last 2 payments. 4 calls into the company and all they can say is, "we mailed the checks long ago". Well, that is wonderful, but I still do not have them. They have my bank information yet and fully executed direct deposit form a month ago yet continue on mailing checks. During the last call, the rep was instant messaging a manager that refused to take my call and told me to give it another TEN business days and then call back to have another check reissued. What? I demanded to speak with her and she refused. Do business elsewhere.

I suffer from Major Depression and severe anxiety. It has cause me to leave my job for treatment. I was approved for LTD benefits December 2018. My doctors wouldn't commit to return to work date but Cigna closed my Claim July 11, 2019 due to this. I have appealed and now waiting for decision. The psychologist Cigna had me see was on September 17, 2019.

I have Cigna disability insurance..I had back problems. Cigna approved for me to get injections in my back. While I was waiting to get the injections, my doctor put me on medication and wrote a letter instructing me not to drive or work while on the medication. Walgreens also list drowsiness on the bottle. Cigna said that note is not good enough and also stated that ** and ** does not make me sleepy nor does these medications affect me. I was off work for three and a half months. They paid me for one month and did not pay me anymore. I have did appeals and sent in all kind of information and they still refused to pay me for two and a half months. Does anybody what I can do? They owe me $3600, but lawyers are trying to charge me $5000 to take the case. What other options do I have?

I have been out on medical leave since June 2019. My FMLA has been approved, State Disability approved and I have yet to see one payment for July, Aug or Sept from the insurance I paid for to help in this very situation. I’ve been told by my employer and multiple other people it’s approved. My rent, utilities, other bills are all unpaid and my credit is taking a hit. This is exactly why I opted to purchase this insurance was to prevent this. I’m gonna have another stroke from the stress of this. It’s cruel.

My husband worked for his company for 13 years when he had to go on STD for complications from diabetes. The case worker was awesome. When this changed to LTD, my only complaint is that they don’t tell you that you go from weekly to monthly payments. With that being said, it has taken less than three weeks to be approved for the long term. I believe the best way to make this the easiest transition is to make sure you y’all with your doctors. The only reason it took three weeks is due to one doctor not sending their notes. I am very thankful for their disability department. Thankful that we received the case managers that we have.

My first request for short term was quick and easy with no issues. I had to go out for surgery, that I had hoped would improve my back problems. It did not. I have not been employed with my company long enough to qualify for FMLA, which I understand. I again went out on leave. June 21 for therapies and injections for my back issues. I went back and forth with Cigna and the dr about sending and receiving my records only to be told by Cigna they didn’t get everything. I even found out at one point Cigna was faxing the request to themselves!!! They have yet to call me and say, "Hey we haven’t received everything. We need this this and this." I call and am told only one thing needed. Dr sends it. I call back to confirm receipt - "No we didn’t get it. Call dr to resend." and go back and forth. So they finally get it, allow 48 hrs for review. I allow the 48 hours and told, "Oh well we need this." Being told, "Oh we asked for it but the dr didn’t send."

Cigna (Florida) closed my case after short term disability was done. I was told by several representatives that after short term was over it would roll over to long term. Lies!!! Then Cigna requested more doctors notes which were fax by the doctor office several times yet Cigna kept saying it was not received. I took matters by faxing over 70 pages as requested, waited 3 months. Called every week as advised by Rebecca R Group Claims Associate to be told it was NOT approved. Now Rebecca is telling me to send her a appeal letter. REALLY!!! Rent, car payment, utilities needs to be paid. I don’t want to have another stroke.

I had to use Cigna STD after an injury preventing me from work, at first things went smoothly and there was no problem but after a few weeks when I started my physical therapy my rep stopped talking to me completely. I had to call daily to find out what information was needed to continue my benefits and when I tried to be the middleman and make it work so everyone was on the same page I still got the run around on when and if any information was transferred between my healthcare provider and Cigna. My rep kept me in the dark by not responding to my voicemails and other reps had no real idea what was going on with my case. I’m now in serious bill debt because of Cigna’s absolute lack of communication and tell everyone I can to never use them for anything from healthcare to life insurance because of this experience. I’m still waiting for answers all the while falling further into debt because my case hasn’t been reviewed and renewed!

I fought every step of the STD process but LTD has been a totally different experience. The claims manager keeps me informed, my checks are promptly sent and no lost paperwork! I hope this continues so smoothly as I work on getting better!

I’m so sad to see all the negative reviews but I’ve never had any issues with getting approved by Cigna in a timely manner. Sometimes it’s not Cigna, everything is a process and sometimes it’s on the other end that all of the proper documentation must be received in when requested and sometimes things don’t always get done by the medical secretary or whomever is completing the documents for the physician. I had to understand and learn that everything is a process and it takes time. I had to do my own follow-up calls to make sure everyone was doing their job. Eventually I finally got approved within 3-4 months... I was upset at first due to my bills but I had to think of the workload of others. Peter and Fantasia are wonderful, they’re in LTD department. Hope this helps... Hang in there everyone.

I was off work for one week. I told FMLA I didn't qualify for short term disability however FMLA kept forwarding me to short term disability on the phone. STD was reviewing my claim for 3 weeks and then they tell me I didn't qualify (I knew that) and then they didnt bother to receive my medical records because they didnt need them. But yet they had me do the voice agreement twice for medical records. Now I have to go back through FMLA because FMLA doesn't get approved unless of short term disability is approved. I could have had this all resolved without Cigna! I now have to bring paperwork into the doctor's office, like before, to get this taken care of. If they transfer you, they transfer you back to the beginning of their recording. I also wanted to do a survey at the end and it never came up. HORRIBLE, HORRIBLE, if I ever own a company they will not be our health insurance middle man!

My husband has Short Term Disability insurance through his employer. He had a stroke on 03/18/19 due to a rare disease. We were unaware that he had the disease until 03/18/19. He had two brain bypass surgeries, 04/02/19 and 06/11/19. He filed a STD claim for his first surgery and payments were issued via EFT. We sent an email to his claim manager on 04/23/19 informing her that Mark had returned to work on 04/22/19. We continued to receive STD payment via EFT. We contacted the claims manager via email again on 05/09/19 to let her know my husband had returned to work and STD payments needed to stop. We received a letter stating an overpayment amount of $328.57 was due to Cigna. We made the overpayment amount on 05/10/19 in full.

After working with his engineering firm for over 37 years, and paying faithfully into this insurance company, my husband fell very ill. He was diagnosed with major depression. He needed to be hospitalized. In the meantime, while he was unable to work, they suddenly stopped the checks. Social Security paid immediately and realized my husband was seriously ill. Cigna wants doctor notes from every session with the physician. The doctors are not prepared to fill out all the paperwork. Cigna bases your next pay check on whether or not the doctors notes are timely. If social security pays, they don't feel obligated to pay the full amount of coverage you thought you were purchasing.

I have been off work since May 29th due to my chronic medical issues. To make a very long story short Cigna is still reviewing my claim despite NUMEROUS conversations with them and more than ample documentation from my doctors. I have had enough and filed a complaint with the Attorney General's office AND the Insurance Commissioner of the state of Minnesota. I will NOT back down. Next step is to hire an attorney.

Cigna is a joke. I have been out of medical leave since April 3, 2019 and still nothing. They closed my case stating my DOCTORS did not provided enough evidence, yet they provided more than enough. My doctors then sent more documentation and stating I cannot work due to my back, migraines and severe anxiety disorder. It is now taking them another 5 days to review the information to re-open my case.

I have Cigna as my Disability provider through my Employer Fidelity, whom is Amazing btw. However Cigna was absolutely awful when I needed them most just recently. I had to go out on short term disability and they approved a very short time like two weeks, I had a positive Lyme test. When I needed to apply for an extension however because things got more serious very quickly they went into a medical review status for over a month. My doctors worked hard to constantly fax them and get them all the papers and updated they were asking for right away. I needed a MRI and Lumbar Tap because my Lyme was possibly causing neurological problems and crossed the blood brain barrier. I needed further testing and was also referred to infectious disease doctor and neurologist.

I have Complex PTSD and Dissociative Disorder. My employer provides short and long term disability through Cigna. They have denied me disability. Now I'm in the appeals process. I have yet been able to speak to the department. Either they put me on hold for 2 hours, (then drop the call), or never return my calls when I leave a message. I call them the Wizard of Oz. They say they exist, but because no one sees or hears them, there is no proof they exist.

I've been on disability for 1 year now. I applied for short term disability a year ago but was denied. I won my appeal after many months and I received payment for a very short time period with no explanation of why I was shortchanged. I've tried contacting my case manager (Susan **) numerous times with some questions that I have and she never has never bothered to call back (even when the person answering the phone said she prioritized my call back request). This has gone on for so long, that I now received a letter in the mail saying that I have to now apply for long term disability and start the whole process all over again. I have questions regarding the long term disability forms but I'm unable to get any help from Cigna. The stress of this situation is not helping with the struggle I am going through with my illness. The nonpayment of the monies rightfully owed to me is an OUTRAGE! This is ridiculous and disgraceful!!!!

My husband went out on short-term disability in fall 2018 and it was approved & paid quickly. LTD has been a nightmare. Claim filed Nov 4 was finally approved April 23. But it’s now June 14 and we haven’t gotten any $. I’ve been calling, emailing & sending letters to everyone I can find at Cigna the last 2 months and am getting silence. Got 1 cryptic email response that makes no sense. We are barely holding on financially and this is making my husband’s PTSD worse! The company claims in marketing materials to make this “easy” for you but in fact they are making my husband sicker and holding up his recovery.

Would not approve my claim after the doctor took me off for severe pain and back issues. Funny thing is they approved it right away but then denied it. I'm now so far behind on my bills I'll never catch up and I have to go against doctor's orders and work. I give them no stars and will be cancelling my policy.

How do you explain the unethical practices of Cigna Disability? First, be prepared for them to delay paying you because of lost paperwork, always requesting additional information from every doctor, then it takes 5 days for the claims manager to review. Surprise! They need additional information and the cycle continues. I swear they are trying hard to not pay and forcing people to go back to work early due to financial constraints. I am a finance manager that supports the HR group. I can guarantee that when the insurance broker comes to present various options, I will surely remind the executives of the horrible experience I have had with Cigna. I encourage everyone with issues to report Cigna to their state insurance regulator and to their HR department. When you are disabled, you are vulnerable and this company takes advantage of it! I would have given this horrible company no stars but it wasn’t an option!

I'll keep this short and sweet.... I filed a claim with Cigna last year before a surgery I was going to have. I decided since it was close to the end of the year I would burn all of my PTO and Vacation time accrued since we have a "use it or lose it" policy at my place of employment, anyways I mailed in my forms since they dont do anything digital or fax for THESE claims. I dont know why I couldn't just email them the forms since that would be logically faster and we are living way past the year 1865!

Went out on STD 2/22/19 for 3 months per doctor's recommendation. Called Cigna 2/21/19 to start claim. Didn't receive any letters or calls from them first few days so I faxed in physical:s statement my doctor completed showing why I was being taken off work to get ball rolling. Eventually started receiving letters from several different rep requesting documents be completed and phone calls for documents and doctor's visit notes from certain dates. Spend the time going to doctor to get forms completed and faxing them back myself but once those sent started getting calls that different documentation needed or claim would be denied and was constantly given unreasonable amount of time to return like I could just walk into doctor's office and demand form completed on spot.

I went out of work December 2018 because of medical problems which originally started in October 2018. I filed a disability claim approximately 3 weeks later. The review process was long and Cigna constantly requested more information, in the meantime, my health took a turn for the worse. I eventually got better enough to get them the necessary paperwork to prove I was sick. They approved me up until the end of March, which I have been fighting to get approved since.

I was on STD from October 2018-March 2019. I’m still unable to work and was to transition to LTD on March 19, 2019. As of May 21, 2019, I haven’t been approved for LTD. Andrew ** has given me every excuse known to man as to why I haven’t been approved. He said, he was waiting on Social Security for my medical records. I have spoken with (4) representatives from Social Security and each one has said, they do not release medical records to a 3rd party. Cigna has to request my medical records from my doctors just as they did. Andrew ** told me, I would be denied on the information that he already has. He emailed me an authorization form to send to Social Security for my medical records only to be told after I signed the form that it was outdated. He emailed a 2nd form which I signed and faxed back as I did the 1st one and I called and asked him for confirmation of receipt. Did he return my call? No.

On March 14th 2019, I had bunion surgery. I didn’t have any problems the first month. Then, the second month, I found out thru my job, that I wasn’t getting paid. I was told that Cigna claimed that they didn’t receive my paperwork from my doctor. Cigna never contacted me by phone or mail, to let me know about the missing paperwork. I called my doctor’s office and the paperwork was faxed, again. Then a week later, Cigna sent me a letter in the mail to tell me that my claim has been closed. After reading other reviews, I see how this is a common thing Cigna does. And.... I’m still not released from my doctor!

I went out on short term disability in October 2018 for back and leg issues. I was not approved to get paid until December. It was difficult to walk most days, I couldn't sit for long periods of time or even stand without horrible pain. Since then I have been jumping through hoops to continue my 66% pay. Excuse after excuse from the claim managers. They claimed not to receive info from my doctors. I eventually started having the doctors fax me the forms and I would email it to the claim manager and then call to make sure they got it. That was the only way to ensure they couldn't place blame on the doctor for lack of information. I went through a series of tests, had back injections that didn't work, so the last resort was back surgery. It was finally scheduled for April of this year.

I have not received any money from this company since the end of March. My case is closed as of last Friday. I have made numerous calls and was either informed that they needed more records or they needed forms filled out. They asked me questions about my issues on the phone and then stated they needed some clarification from my doctor. The doctor did not complete the form under their time frame, which I wasn’t aware there was a deadline for this form and that is the reason my case was closed. I have an upcoming surgical procedure for my spine. The problem is that short term disability it is not happy that I don’t have a date for the procedure at this time due to waiting on authorization from insurance. Not only am I experiencing pain constantly, I have had to deal with the stress of this company on top of it. It is very disheartening.

I purchased Long Term Disability Insurance with CIGNA (LINA) for about 25 years prior to making a claim. The insurance was offered through my employer State Farm. CIGNA covered 2 years of my disability (after the 6 month wait), however now they are performing a two year review for any occupation. An IME (Independent Medical Exam) has been scheduled by CIGNA for me, even though Social Security approved my claim on the first review.

Absolutely fantastic. After having to have a major surgery, I had to go out on STD, then Cigna changed it to LTD. It was scary because I had no idea what to expect. The claims manager, Alex, has been so much help. Alex from Cigna has taken care of everything for me. Now I have read the other reviews, but can only comment on my experience. A+!!! Thank you Alex and Cigna!!!

I have purchased Cigna short-term disability thru my employer. I was out for surgery. I returned swiftly following surgery. Now, I'm told they overpaid me. I'm calling BS on that. I don't owe you. #healthcare.

I went out on STD due to flaring autoimmune diseases (Lupus, Rheumatoid Arthritis, and Psoriasis). I am in so much pain I can’t even think straight. I went out 3 months ago and called Cigna immediately to start the disability claim process. I sent them all the necessary forms and information and was told for WEEKS it was under review. I would call every other day for an update and was told it’s under review. After 2 1/2 months they declined and closed my case, without any notification, stating not enough medical evidence! WTF it took 2 1/2 months of daily calling to say not enough medical evidence. These people are game playing shysters!!! They have a script they follow to decline everyone. I will fight them to the bitter end. Scumbags!

I was first on Short term then went into long term disability. Several issues have happened. First while on short term disability I would be told my doctor's office never sent paperwork. I would call my doctor's office and get the date and time paperwork was faxed. Lo and behold the claims manager would just happen to find the missing paperwork when given the date and time. During Long term disability I called to see if my check would be going direct deposit or if it would be mailed to me. Imagine my surprise to find out I have a new claims manager who told he didn’t know if my check would be directly deposited or not. That I would know on such and such date if it wasn’t in my account.