CIGNA Corporation Long Term Disability Consumer Reviews - Page 2

SANTA ROSA, CALIFORNIA -- I am receiving LTD from Cigna but have struggled to get initial payment on LTD. STD was awesome my adviser called me regularly, checked in and followed up. Payments were made on a consistent and regular basis. I then transferred over to LTD where I had a new adviser. He lost my paperwork I had to call him to find out what was going on he said he needed some information and asked me all the question he asked me on my previous call to him. He sent the check to some unknown address and had to resubmit it, all of this after I called him. He didn't notify me of this information. I did all the footwork to collect my doctor info and he said he didn't have it.

I was then transferred to another adviser. I elected EFT for my LTD deposit. It was received on the 15th of the month. It's the 16th now and I haven't received it. I called her and she said they have until the 24th. So for some reason I shouldn't expect my EFT deposit on the 15th now.

Also, she sent several letters saying they didn't have doctor reports from my 4 surgeries. I called the doctors and they hadn't received the request forms from Cigna. I have received several letters saying they have attempted to call me and have been unable to reach me. I have never received a voicemail from them and when I tell her this she says my VM is always full which is weird because I receive VMs every day and no one has told me this. So, I cleared my VM to be sure and that is still the response I get from her.

When I say, why should I expect to receive my check on the 24th when I receive it via EFT on the 15th she says because they don't have to give it to me until then because of the dates it covers. So, I cannot expect any level of consistency from this company and as any of you who are on LTD know this is incredibly unnerving.

So, her response is that I wait and if I don't receive my EFT by the 24th then she can look into it. Very unprofessional in the LTD office. STD was awesome and on point collected information, contacted me and left VMs when needed and no issues with STD. I only wish that was true with LTD. Very disappointing especially when you all know we paid into this, this isn't a gift we are getting it's a coverage we paid into.

DALLAS, TEXAS -- Years before my disability I enrolled with Cigna Long Term Disability insurance through my employer. When I was diagnosed with degenerative disc disease and had my first operation I was approved for long term disability as I was expected to recover and return to work in 3 months. As with many who undergo a disc fusion, my problems just got worse. I now have 4 discs bulging and pressing on my main nerve root. Even though my post surgery pain level was significantly higher than before, Cigna decided I could go back to my old job. I appealed and won.

Two years later and Cigna does what they call an "any occupation review". While they can't tell me I can do any other job (because my pay scale is too high) they do tell me I can go back to my old job. I appeal and Win again.
Two years later and the only thing I have done is long term pain management. No operations. No medications (except pain). No physical therapy. No change in my medical condition in any way. You guessed it - Cigna tells me to go back to work. I am appealing this decision also and hope to win.

If your company offers Cigna insurance urge them to look elsewhere. If you have Cigna insurance take further steps to protect your family. If you are, like me, fighting with Cigna right now pray for divine intervention because that is your only hope. Cigna does not care about you, the law, or doing what's right. The only thing Cigna cares about is their bottom line. Companies like Cigna give the insurance industry a bad name.

PENNSYLVANIA -- CIGNA first shortchanged me by half what they owed me in long term disability payout, stating in writing that my short term and long term ran concurrently. WHAT? First off, my short term check was five months after it would have stopped, had I been paid on time. My long term was backdated over six months to where it was supposed to have started. How can long term and short term insurance run at the same time? I paid, although through my employer, extra for my long term, as my employer doesn't offer long term. Now I received a letter that my long term is to be canceled Jan. 28th, 2017 because their mental health clause allows them to.

So not only did I get short changed on my money. Now I'm getting shut off after only eighteen months. I initially had to do battle with them over my even receiving long term benefits. I kept getting letters that my doctors weren't sending the records that they needed. I finally went to the Dr. office, had my records printed out, and sent them certified mail to Cigna office. The first batch weighed in at a paltry five pounds. Not ounces. Pounds. Funny how fast my claim was approved when I smoked them with that move. Insurance companies are lying cheating shysters. And they have nerve to be upset when they get sued and beaten in court.

I have catastrophic tinnitus and have been unable to work for the past four years. I have diagnoses from my EMT, GP, neurologist, audiologist, acupuncturist and others. All are in agreement that I am not fit to work. Cigna has rejected my claim and then ultimately approved it after a nine-month battle for my last two appeals.

Once an independent medical review team is called in, which takes 6 to 9 months, my case has been approved. Then Cigna in as little as three months can review the case and again decline coverage. Each time I spend thousands in legal bills to challenge the denial. Given the catastrophic nature of the condition and the exhaustive paperwork filed, Cigna ultimately has paid. Their behavior is driven by cost savings and excluding clients such as myself who are disabled.

My only advice in dealing with CIGNA is hire yourself a lawyer immediately even before you filing your first claim. Expect that they search for anyway to keep from paying, including perhaps waiting for you to die. This company should be shut down. Its practices are egregious and injurious to those who have paid for disability and receive little but grief in return. If you have any choice in your disability insurance company, do NOT choose Cigna. The mafia probably offers better coverage. My case has just been denied for the third time. If I could sue these ** into bankruptcy I would be happy to do so. They deserve no less.

PHOENIX, ARIZONA -- Cigna Group Disability Insurance is the worst organization ever as they are they are immoral, unethical, liars, lack shame, and will cause you mental distress when they should be helping you through your disability. I have directly caught Cigna lying on so many instances. It must be sad to work as a disability claim agent at Cigna knowing you are lying to people who are disabled. Cigna claims they have sent paperwork to your doctors but EVERY time (this has happened 5-7 times with 3 different providers) my doctors have confirmed and shown they have either not received requests or already responded.

With great difficulty I was able to get through STD period but now came LTD where they denied me claiming I had a pre-existing condition. I was recently diagnosed with OCD for the first time in my life and according to Cigna I already had the following pre-existing conditions (Bipolar 1, Anxiety, Depression, OCD, ADHD). I have confirmed with my provider psychiatrist whom I had seen during pre-existing period who confirmed other than Bipolar. They has not seen me for anything else.

Cigna conveniently listed every single mental condition. How ridiculous is this. I am sure I can appeal or hire an attorney and get this whole thing sorted out but it's just ridiculous that they make you go through this when you are legitimately on disability and have just lost your job because you are unable to go back to work. I really hope Cigna goes down. They shouldn't exist. Oh and my claim agent Jasmyn is probably one of the worser human beings on this planet. Stay away from Cigna!

PHILADELPHIA, PENNSYLVANIA -- CIGNA wants to collect premiums on long term disability policies, but does not like paying out on claim and will do ANYTHING to avoid paying claims. They are only concerned about the stockholders and big fat paychecks for the GREEDY PIGS AT THE TOP OF THEIR deceitful company! Executive Compensation. As President and Chief Executive Officer at CIGNA CORP, David M. Cordani made $18,944,045 in total compensation.

Name and title
total compensation
Timothy C. Wentworth
President, Express Scripts & Cigna Services
$8,875,346
Nicole S. Jones
Executive Vice President, General Counsel
$4,009,355
Jason D. Sadler
President, International Markets
$3,526,008
David M. Cordani
President and Chief Executive Officer
$18,944,045
Alan M. Muney M.D.
Former Executive Vice President, Total Health Network & Chief Medical Officer
$5,862,659
Christopher J. Hocevar
Former President, Strategy, Segments & Solutions
$5,352,336
Eric P. Palmer
Executive Vice President and Chief Financial Officer
$4,770,408

PHILADELPHIA, PENNSYLVANIA -- This company has a very high denial rate, just Google CIGNA LTD Complaints. Greedy pigs for CEO and Top Execs (VP's) = PIGS! Executive Compensation As President and Chief Executive Officer at CIGNA CORP, David M. Cordani made $18,944,045 in total compensation.

Name and title
total compensation
Timothy C. Wentworth
President, Express Scripts & Cigna Services
$8,875,346
Nicole S. Jones
Executive Vice President, General Counsel
$4,009,355
Jason D. Sadler
President, International Markets
$3,526,008
David M. Cordani
President and Chief Executive Officer
$18,944,045
Alan M. Muney M.D.
Former Executive Vice President, Total Health Network & Chief Medical Officer
$5,862,659
Christopher J. Hocevar
Former President, Strategy, Segments & Solutions
$5,352,336
Eric P. Palmer
Executive Vice President and Chief Financial Officer
$4,770,408

PA -- Greedy Pigs! They do NOT like to pay claims. Especially Long Term Disability Claims. Just Google CIGNA LTD Complaints.
***published here https://www.complaintsboard.com/complaints/cigna-disability-c502451.html***

Executive Compensation
As President and Chief Executive Officer at CIGNA CORP, David M. Cordani made $18,944,045 in total compensation.
Name and title
total compensation
Timothy C. Wentworth
President, Express Scripts & Cigna Services
$8,875,346
Nicole S. Jones
Executive Vice President, General Counsel
$4,009,355
Jason D. Sadler
President, International Markets
$3,526,008
David M. Cordani
President and Chief Executive Officer
$18,944,045
Alan M. Muney M.D.
Former Executive Vice President, Total Health Network & Chief Medical Officer
$5,862,659
Christopher J. Hocevar
Former President, Strategy, Segments & Solutions
$5,352,336
Eric P. Palmer
Executive Vice President and Chief Financial Officer
$4,770,408

GLENDALE, ARIZONA -- I worked for my company for 30 years and paid into the long term disability insurance program for each and every year. I have severe scoliosis and have some other abnormalities, all due to a birth defect. So after working 30 years I went out in disability. Took 2 years or so to get my Social Security. During those 2 years Cigna paid me. Then the same month SS started, the LTD stopped. Now it is supposed to be that they both pay some.

I've been fighting Cigna Ever since and I'm NOT giving up. They are trying to wait me out. I did a little digging and Cigna has been sued more than once for the way they handle LTD. what I don't get is they paid me for 2 years, social security agrees that I cannot work and my condition is only getting WORSE, not better. So how can they just deny my claim?

Our federal government need to clean this industry up. Now I know why approx 90% of disabled people are toward the poor end in the financial world. It's because by the time you get done fighting them, you may be homeless and completely flat ** broke! Cigna and the way they handle LTD claims is criminal!!! They need to be held accountable!!!

PITTSBURG, PENNSYLVANIA -- My poor mother was in a car accident, she had a wonderful job. She became disabled and Cigna was her insurance provider. First two years all ok. Second denied after SSI awarded her disability. Appeal and won a lawyer took almost half. Four months into receiving her benefits again case closed, appeal again, said she could be a cashier when she is now suffering from so much more from the stress of this company, she can't even make her rent.

She suffer with ddd disk herniation will not be able to do surgery because she has emph, torn rotor cuff because she is weak has PTSD and bipolar all caused from not having a job and this company putting her homeless again.