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CIGNA Corporation Short Term Disability

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Group Short Term Disability
Posted by CLEEEfromNH on 02/04/2010
I do not know if anyone else is having issues with Cigna, but here is my story. My Employer uses Cigna to approve/disapprove our Short Term Disability payments. I am out on a short term leave of absence as I am having severe abdominal pain, nausea/vomiting, I can't sit/or stand for long periods of time as I'm in and out of the bathroom, very uncomfortable, I don't sleep because of the pain and I'm on narcotic pain medication (that by the way instructs you NOT TO DRIVE). I can't function as I'm in so much pain, and my doctors are working hard to figure out exactly what is going on, but all this takes time. It is believed (due to past medical procedures) that I have endometriosis. I also have a lump that has grown off of my stomach that they are trying to figure out what it is. In the meantime, I can't work due to the symptoms I have described above, and this is at the recommendation of my primary care doctor and my gyno. Cigna has requests that all of this info is sent to them so they can "review" it. Then I get calls stating that the information that the Dr's have sent to them do not substantiate my need to be away from work. My doctors say otherwise. They know me, know the health I'm in and have actually put me on a leave of absence. They are the health care professionals. Cigna has their "nurse/on board physician/s" look at these claims, and I truly believe they are paid to say, no, we can't approve this claim. I will be filing a complaint against this company, and also getting signatures for a petition so this doesn't happen to other people. I will also get a petition of my fellow employees to implore my employer to change to another company to deal with. I am not the only person this has happened to, but I'm going to be determined to be the last. CIGNA, PLEASE LISTEN TO US AND OUR DOCTORS! PLEASE CHANGE YOUR WAYS.
     
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Posted by momsey on 2010-02-04:
LadyScot, that's not true. Short term disability is anything that prevents you from doing your work, and clearly, the OP seems to have more than a stomach ache. Don't make statements on things you clearly don't know about. In NJ, a normal, healthy, run of the mill pregnancy is a reason to be put out on short term disability, just as an example.

To the OP - yes, as bad as it sounds, those working on claims in insurance companies are really supposed to be looking for reasons to deny claims. If they approved everything, they'd be out of business. Also, they have to make sure that you're really unable to work. Insurance fraud is a huge problem!

I don't think Cigna is any different than any other insurer, but I could be wrong. Just keep at it, I know it's a lot of work especially when you don't feel well, but if you legitimately can't work, it should be honored. Good luck.
Posted by Sparticus on 2010-02-04:
Agree with momsey. The author definitely has something more than just a stomach ache. I hope you get better soon. Doesn't sound fun!
Posted by bunnyhead on 2010-02-04:
I agree, this doesn't sound like a stomach ache. The woman has a growth coming off of her stomach for God's sake.
Posted by Anonymous on 2010-02-04:
LS, I ignored my 'stomach ache' for 10 months a few years ago and I almost died. Turns out I had internal bleeding from ulcers. I had to get a blood infusion. Stomach pain that does not go away is serious. It could be a tumor, mass, cancer, cyst, infection (like appendicitis). LS, I hope your kids never get seriously ill. You'd probably just brush off their complaints
Posted by Anonymous on 2010-02-04:
I should have actually completed my thought before posting the comment but I was in a rush to finish my dinner. Let me elaborate. You say your doctors are not sure of the diagnosis, they think you have endometriosis, and you have a lump. Without an actual diagnosis I don't think the insurance for STD would kick in.

Most people with a STD claim use it for accidents or injury of surgery, where this is an actual diagnosis and a time line for recovery. I am actually going to check the restrictions and conditions on the CIGNA site (if it has them on there) and come back.

I was not intentionally trying to make light of your pain. Stomach ace was used as a relative description as you have stomach pains.


Posted by Anonymous on 2010-02-04:
But you DID make light of her pain. In a rush to finish dinner. Makes sense to me.
Posted by Anonymous on 2010-02-04:
The Cigna Website does not break down the pllans or conditions that I could find, but I did find this clause:

"Full terms, conditions and exclusions are contained in the insurance policy"

So..what does the policy say? What are the conditions for payment? It may be that in order for payments to begin, there has to be a diagnosis at the least or a reasonable amount of tests to determine the cause of treatment. If your doctor does not have this, then to them it could be that they are concerned this issue could be NOT a STD, but instead a long one. THEN there would be the issue of paying a claim that was not entitled to be paid.

IF the policy says that conditions to YOUR situation should result in payment, then sue the insurance company. Insurance companies do not want to pay claims. You have to follow their policies exactly and know the terms you are paying for.
Posted by Anonymous on 2010-02-05:
There is almost always a short-term disability period before the long-term takes over. If she qualifies for long-term, she also must have qualified for short term, I would think. Long-term doesn't start paying until you've been off for a certain period. That's the whole point of purchasing short-term. Short-term insurance can be unfair in some situations, because it may not start paying until an employee has used all of his/her paid time off. So, in essense, someone that just started yesterday, and has not built up any PTO, benefits more from STD than an employee that has been around awhile and has lots of time off built up.
Posted by Anonymous on 2010-02-05:
If you read her complaint, she is very clear that her doctors placed her on leave. That should be enough. That's her whole point. She also says Cigna has done this to others in her company. I'd say she's probably covered the ground that you are trying to suggest she cover. She has access to her policy and the same website info you have. Her reason for posting is to alert folks to Cigna's practices. She is not asking to be given the 3rd degree on whether she's done her part on this claim. Not helpful.
Posted by Anonymous on 2010-02-05:
Good insight Sheriff. So what you're saying and what I gather from LS's info is that short term disability insurance covers more than just major surgeries.

So, Sheriff, correct me if I'm wrong but it sounds like short term disability insurance is like my sick leave provided by my employer? Judging by this review I certainly wouldn't want to exchange my 2,600 sick leave hours for some insurance policy where the approving officials are financially motivated to deny my claim. That would suck.
Posted by Anonymous on 2010-02-05:
Stew, I'm not an expert. :) I am pretty sure that normally the two policies are separate enough that they are often administered by two separate companies. I also know how it worked at the very big company I worked for in 2004: I was fairly new, and I opted to pay for Short-term disability. As it turned out, I ended up needing it. (Not for any type of operation) However, had I been there long enough to have built up a lot of Paid Time Off (PTO), I would have been required to use that first, thus eliminating any benefit from STD. That is very unfair and I pointed it out to my coworkers, so that they might decide to drop a policy that would never ever benefit them. LTD would kick in long before they used up their personal PTO.
Posted by Anonymous on 2010-02-05:
So, for my friends that work at big companies, that is something to look into. I may have just saved you some money. Sound financial advice. You don't always get that here.
Posted by kimberlie on 2010-05-27:
Cigna has done and is doing the same thing to us. Make sure you keep excellent notes as you are on the phone with these animals. Also, have your doctor give you copies of anything they send to Cigna. The conveniently lose paper work constantly. Call a hundred times if you need to to make sure they have all of the paper work. I usually start 10 days before the check is due. DO NOT GIVE UP. Do not be afraid to ask for a supervisor. When ever possible send information through email. That way you have a copy. A word for the future, if it goes through, and you get on long term, it gets no better. Mike has only been on it for 5 months and they are trying to deny. They are evil beings. Good Luck! We contacted an attorney today, just incase they get away with the denial.
Posted by Joe Smithy on 2012-04-01:
Cindy with Cigna in Dallas was rude and made accusing comments on the phone. She repeatedly denied ever receiving papers from my Dr. They harassed my doctor and made his life Hell, and he has other patients. Cigna is a bad business to deal with. Expect nothing but trouble with them.
Posted by Andrea on 2014-01-22:
I'm dealing with these bafoons now and I mis Matrix services so very much. I've got denial letters on items in my online profile that were never mailed to me. It's all so very frustrating.
Posted by ryan on 2014-01-25:
I work for a disability carrier as a claims manager and I can say with 100% truthfulness, it is not a set up or game to deny benefits. In fact, we are empathetic with our claimants and work hard to collect the necessary medical data to support a functional loss preventing someone from working.

And, while doctors may place some on leave or recommend he or she not work, the doctors are not administering and interpreting policy language. Each disability policy is a contract with terms and conditions often set by the employer. The more liberal the policy, the higher the premium. For instance, some companies will only pay for 12 months of coverage in your own occupation, while others give 5 years.

And, most long term policies require you to submit for SSDI benefits. And, insurance companies have to be strict. There is tons of fraud and doctors who are willing participants that we have to investigate thoroughly.

Word of caution, we send out private investigators and conduct surveillance of your house, you, and your daily activities if we suspect fraud. Once you fall under the any occupation definition of disability, unless you're severely disabled, terminally ill, etc, you are likely able to perform a sedentary job. Just because you and your doctors may not think you can work or you don't want to work does not automatically mean payout time.

In sum, my point is these are policies with very specific language that provides wide latitude in some instances to deny claims. Our philosophy is those who are truly disabled will be approved. People who claim chronic back pain, chronic fatigue syndrome, fibromyalgia, etc....those claims are going to be looked at very closely.

No one I've worked with and the way we were trained never advocated or pushed us to deny. They said follow the policy guidelines, apply to diagnosis, follow where the medical evidence leads and make an honest and fair determination.

Had to add my inside perspective.... We are nice people who do care!
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Ironic, Ignorant and Impossible
Posted by Peeppeep101 on 01/22/2010
DALLAS, TEXAS -- Those are the three best words to describe Cigna from my own personal experience. I was diagnosed with Crohns disease and degenerative disc disease about 4-5 yrs ago. I take my medication like I'm supposed to (which is pretty harsh and has it's own set of side effects) and usually had no serious problems, aside from terrible pain. The illnesses would hit me out of nowhere, but usually I was able to bounce back. This latest time, however, left me unable to work, losing extreme amounts of weight, hardly able to walk because of nerve root impingement on my siatic nerve, constantly vomiting and fecally incontenant. My case manager, who I should name, so anyone who gets her can run away screaming, seemed very nice and helpful at first, however upon receiving my physician's statement, she failed to call me when she needed him to fill out additional information. This greatly delayed my claim moving through the process. After calling to check my status, she informed me that she needed more info. I immediately called my Dr. and requested that he fill out the paperwork again, and not miss any sections. I called my representative and she confirmed she received it and said she would be making a decision to extend it that very day. Again, I think everything is okay. After not hearing anything back from her, and not seeing the approval on mycigna.com, I called to see what the status was, only to be told that now she needs the office visit notes! It would have been done already if she would have said that the first time. I called the Dr. again and they faxed it over to my Cigna representative This was on a Thursday. I told her that if my employer didn't receive the approval for the extension by Monday at 11, it would affect me getting a paycheck, she said she would work on it as soon as she got it, so it didn't mess up my pay. I called Friday to see if she had made any progress, but no answer. I left about three messages on Friday, then Monday began calling again. I continued to call Tuesday, Wednesday and Thursday, steadily getting more frustrated of her lack of commitment. She called Thursday evening at 7 CST to tell me she had not received the fax of the office notes!!!!!!!! I called the Dr. office as soon as they opened Friday morning (8) and they faxed it again. I called her to confirm she had it and she said she did and she was going to review it with the nurse and she would call me back around lunchtime. Again, I waited around for her call that never came. Finally around 3:30 pm I called her and she stated that she had the decision ready, and that it was she needed MORE INFORMATION FROM MY DR!!!!!!!!!!!!!!!!!!! she said they were unable to read the information that my Dr. wrote! Usually it takes quite a bit to tick me off, but this is just so wrong. I feel like there is nothing I can do about it, and my very livlihood is in someone else's hands. It has been over 3 weeks since I have received a paycheck, and I have a 6 yr old daughter to take care of, and bills that have to be paid. Because she didn't call me this morning to tell me she couldn't read it, it is now too late to call the Dr. office for them to re-send and it's going to have to wait until Monday. I am beyond upset, frustrated and worried to death. On their website, Cigna claims to have excellent customer service! How ironic...They claim that their case managers are focused on walking you through every step of the way, so you can relax and focus on getting better!!!!! What a complete crock that statement turned out to be! I am so stressed out over all of this, and worried about my bills getting paid, that it is greatly exaserbating my symptoms, and making me feel worse. I STRONGLY advise any sane person to NEVER use this corporation and if you are an employer, take it from me, this has affected me so negatively, I will never ever work for a company that carries Cigna disability again. I will be sure to tell everyone how careless and uncaring my case manager is. Of course there is no urgency to her, she is still getting paid! Me on the other had, (who has worked since 14, and never ever had to be on disability before) is stuck here praying to the Almighty Lord that something happens and I can continue to keep my lights on.
     
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Posted by kimberlie on 2010-05-27:
This sounds all to familiar. We must have the same case worker. Or they all go through the same training. Hubby has CD too. Good luck with everything.
Posted by jimoo on 2010-05-28:
Fortunately,There have been not many problems with my Life Time ACE Disability. The older I am,the better it is. Nothing changes with my
problem far as benefits,of Life Time Care.
Posted by tam2011 on 2011-03-10:
jen e? I have her right now and she's a nightmare :( Are they all specially trained to drag things out for months?
Posted by Midwest on 2012-05-01:
Hi there,

I have Ulcerative Colitis (similar to Crohn's), I am currently in a flare-up, and I just received word today that my short term disability claim has been denied.

I am glad I found this website, but I am so sorry to find out that there are so many others out that who have gone through what I am currently going through.

By the way, I couldn't agree with you more: "they claim that their case managers are focused on walking you through every step of the way, so you can relax and focus on getting better!!!!! What a complete crock that statement turned out to be! I am so stressed out over all of this, and worried about my bills getting paid, that it is greatly exacerbating my symptoms, and making me feel worse."

I started my medical leave over 2 weeks ago, and only found out today that it was denied, so I think I am pretty much out of luck. It is also an HR attendance issue now, I think: I have taken an "unapproved leave of absence."

By the way, I thought I was going to hyperventilate while on the phone with the Cigna lady today.
I am "welcome to appeal" their decision by writing a letter and "attaching additional medical documentation". My doctor faxed over all of the medical documentation, so... there isn't any additional documentation I could send.

I guess all I can do now is hope that my employer is understanding and I don't lose my job... I will also mention to HR that after a Google search, turns out Cigna is EVIL.

Best of luck to everyone!
Posted by con2011 on 2013-02-27:
I am currently dealing with this same issue while trying to recover from a TBI. I'm am all over this. And I will get mine. Here is some advice. You know who the enemy is obviously or you may not. You are not the customer to Cigna. Your company is. So if this is becoming an issue you simply have to sit down with your HR person and say. What is OUR problem. Your company is the customer and if the claim isn't going through it is because your HR is not approving. If matter's go unresolved I advise to get in touch with your Insurance Commisioner. They don't want you to do that and for good reason. Good Luck. Hope this can help all people going through this bullish.
Posted by Steff on 2014-01-27:
I am so sorry for what your experiencing! I hated dealing with disability issues at my work too. I have extreme IBS, endometriosis, scar tissue, nerve issues, and abdominal migraines and migraines. I do not just have IBS, I am on several medications for it and have been hospitalized for it. I really think there it has to do with a past pancreatitis issue. So I understand pain. I am blessed that my husband makes enough money because I cannot work and cannot get SSI because he makes to much, but I do get some child support. I hope that you all get approved and I am so sorry.
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Std Disability Denials
Posted by Artiezentz01 on 03/13/2014
ALL -- I know everyone is having problems with this company and I'm going give everyone my run down; I had to take a medical leave from work starting 12/1/13 after being required to work a 24 hour shift on black Friday. It started with a really bad back ache, I continued to work hoping it was a muscle strain. On 11/30/13 my district manager came to my store and told me that he appreciated my hard work and dedication to our company but I had to go home and see a doctor because at this point I was a liability to our company because I could no longer stand on my own, and I couldn't return to work until I had a doctors note releasing me to return to work. I went to veterans hospital to see my pcp and was giving an MRI and discovered a had bulging disk and was put out of work, after Further testing I was diagnosed with degenerative disk disease, neuropathy, type 2 diabetes, and nerve damages in both legs which cause my legs to go numb and I just fall down. They also found a few lumps on my body that in a little while I'm going to have a bone scan to see if I may have cancer. I have been put on several medications that prevents me from operating a vehicle along with the numbness in my legs. I was evaluated by a physical therapist that told me that I've lost a minimum of 50 to 75% of my trunk movements and couldn't participate in therapy. My medical leave has been approved at least until 12/1/14 and yet my std claim has been denied and I had to file an appeal. Now my company that I've worked for for 5 years have decided to close the unit which I manage. I'm entitled to a severance package which would really help out right now since I've not had any kind of income coming in since 12/1/14, I can't get because Cigna has to be paying me because of company policy says if I'm out on leave I have to be getting std payments from Cigna. I'm a single father that has custody of my three children and no income, my landlord is threatening to evict us from our home, my car is up for repossession and all this stress of dealing with this is overwhelming and Cigna will not do anything to help with this ordeal, they don't call, I've had to get them my records and mail or fax them, they have not done anything with my claim other than deny it. Please if anyone has any advice that could help me please get back to me, my children and my livelihood depends on it.....
     
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Still Waiting On A Decision
Posted by Pansy63 on 12/03/2011
DALLAS, TEXAS -- I am suffering from a major depressive disorder and Cigna is telling me that I'm okay and should be able to work. My doctor and therapists say I am unable to perform my job duties but Cigna's behavioral health reviewers are basing their decision on one person's notes that state I have no "cognitive deficits". The problem is my job requires me to function at a higher intellectual level that involves great focus and quick decision making.

I am currently in an intensive outpatient program that requires me to spend 3 to 4 hours three days a week in therapy. I want to get better but I can't do it if I'm worried about paying my bills. There may be light at the end of the tunnel. I spoke with a supervisor who says she will talk with the therapist who reviewed my claim. It seems they didn't know I was in an IOP. All I can do is pray!
     
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Posted by At Your Service on 2011-12-04:
God bless! Keep the faith.
Posted by Anonymous on 2011-12-04:
The title of your post says you are waiting for a decision from CIGNA, but your post says that the reviewers have said you are okay to work. If the decision has been made, you may be able to appeal the decision. Check with the the insurance commission of your state for additional help.
Posted by Cwazychicken on 2011-12-04:
What is cigna, is it a state assistance like SSDI for disabled or just an insurance company? Are you on SSDI? Disability with the state? If not, you may have to apply for it (if you suffer from manic depression, you could qualify for it, if you have problems working at all.) but beware, it took me 3-5 years to get on it because they have to prove that you are unable to work at all (or not very much) and are really disabled (physically, mentally, depression is what i have along with other disorders and thats what i qualified for).(And with SSDI, i was put on medicaid to help me with medical bills) I am sorry you are having a hard time working, i know how that is, but unfortunately, i know im not on cigma and i know thats not something thats required for me to qualify for disability...you may have to contact your state's disability.
Posted by Alain on 2011-12-04:
Cwazy, Cigna is a health insurance company based in Bloomfield, CT (NYSE: CI). It one of the largest in the US and is also active internationally.
Posted by Cwazychicken on 2011-12-04:
Ah okies, i was just looking it up earlier after i posted. Hopefully they can help you out, if its short term disability.
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CIGNA wrongfully denied my Short-term Disability
Posted by Furiousinindiana63 on 11/09/2011
DALLAS, TEXAS -- I have never done anything like this, but I am angry and want people to know what CIGNA is doing. I know the lawsuits, court documents and horror stories found on the Internet are not imaginary. As CIGNA has done with so many others: My short-term disability was denied for no good reason. I have the same story as everyone else does: PAPERWORK! I think if anyone mentions paperwork to me again, I will scream! I will not bore anyone the rest of the details, just go to complaint boards and websites and read what others have said. I suggest that everyone who has been wronged by this company go to every media organization they can think of, the more complaints the better. You should also go to your state Insurance Commission. Last resort: I have been forced to hire an attorney. I am on the verge of losing my job & am in severe financial distress due to this company denying me.

Furious in Indiana
     
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Posted by Alain on 2011-11-11:
I see there are a lot of complaints similar to yours about denial of coverage with CIGNA. That and their poor rating here and on other sites certainly does indicate a problem with them. Thanks for taking the time to notify your fellow consumers about your experience. Please keep us updated about this if you can.
Posted by Debra on 2012-02-27:
July of 2011 my surgeon recommended fusion but I opted for more conservative discectomy which unfortunately failed after two back surgeries. Now Cigna will not authorize the fusion surgery. I am in extreme 24 hour pain and am on narcotic pain medication along with Neurontin that barely reduces the pain to a somewhat tolerable level. My doctor has tried to do a Peer to Peer appeal but Cigna says it must be done with a Cigna Urologist! It appears to be a big run around. I even obtained a second opinion from a well respected neurosurgeon who agreed with the recommended surgery. How can they get away with this. Do I go through Cigna's appeal and complaint process or hire an attorney? I live in California.
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Customer doesn't come FIRST
Posted by Annie-mac on 01/16/2011
I pay weekly for a short term disability insurance with CIGNA which my company found but we as employee choose to partake or not; I do have a family and could not afford to go without a pay check, so I thought partaking in this would be a good idea. Well, like others I am experience the same unpleasant customer service with CIGNA and their so called "on call nurses" - I had surgery in December of 2010 that is keeping from going to work due to the severity of the work done, I have pins; wires; over 50 stitches; removal of bone and fusions of toes; non-weight bearing for over 4 weeks; my physician signed me out with complete details for minimum of 8 weeks due to the nature of the surgery; well CIGNA did not agree (with a specialist mind you) and said that their "on call nurses" do not feel I should be on disability; again, forcing me to call my physician again and again so I can get a disability check that I actually paid into mind you. I have been having to call weekly and if not they close my claim even though my doctors office has contacted CIGNA directly many times as well as providing paperwork to back up his opinion. I feel like CIGNA is not providing the service they should be to their customers; feeling that this is harassing as well as disturbing to people that are fighting illness...i am actually getting very depressed over this and sick as feel like I have no control over this companies poor services??? who can help us??? They are not providing people a service that we are PAYING FOR, how do they get away with this????
     
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Posted by getoverit on 2011-01-16:
One of the many problems in the US health care system (or lack thereof) is the many bureaucracies people have to deal with to get benefits that they are paying for and are entitled to.

I'm a reasonably healthy person but spend a lot of time filing paperwork, entering stuff online, navigating through voice menus to get to speak with someone who as or may not know what's going on.

You can lose thousands if you don't stay on top of all that stuff. I just can't imagine what it's like for someone with a serious illness or who's recovering from major surgery, etc.
Posted by tam2011 on 2011-03-10:
I'm also experiencing the exact same issue. I had surgery for a fibroid tumor, December 28, 2011. Cigna is refusing to pay for the full six weeks I was authorized to be off by my doctor. They are claiming that for a surgery of this nature, I should have returned to work in four weeks. I've never had surgery prior or had to use std for any reason. This is disgusting, had I known how shady this situation would be I would have insured that I received coverage else where. Who are they to say how quickly I should have recovered from this situation and deemed that on a pain scale of 1 to 10 I should gone back at a level 4 or I would not receive benefits for the full amount of time I was off. I have to keep calling now and gathering information on something that I thought was completely black and white. I had surgery. I took time off specified by my doctor. What a joke. Anyone who can offer any help please email me. Not to mention I went through weeks of supposed lost paperwork just to get the four weeks considered acceptable for a myonectomy.
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Cigna short term disability insurance
Posted by Scotty G. on 09/17/2010
This company is a waste of time. As others on the web have stated, they don't want to pay. I have had exactly the same experience as others. Took two months to get paid for the first month only. Then they tried to close my case. (I had a rotator cuff injury and drive truck for my job). My personal doctor recommended rest and anti-inflammatories. Cigna actually insisted I get an MRI (@ my expense), and do PT. My doctor said no PT yet (at that time). Let it heal. MRI showed a tear. Still no more money. Cigna tried to close the case again. Wanted me to see an orthopedic doctor. Okay, I did. He said -probable past tear (healing now), and lots of inflammation, causing tendinitis and bursitis. Rest, light PT and lots of anti inflammatories-go back in a month to see how things are. STILL no money from Cigna. Can't afford the co-pays for PT, have to do at home. Can't pay my bills, but DOT law requires me to have a clean bill of health, which I'll have hopefully in a month...but still no $$ from Cigna, not for the months I was off. Every week, it's : oh, we didn't get that paperwork (lies-asked doctors, they sent it all). Oh, the "nurse" is reviewing it. Oh, we want you to do this. They actually were telling me what to do for treatment, etc! What is there to review? You paid me a partial payment, thus agreeing to my condition. Now I am trying to finish the treatment and go back to work, but you won't pay me anymore, and yet again are trying to close the case. I am not a deadbeat, nor greedy. I want to go back to work, pain free. I don't want to try and live on disability (half of what I normally make). But I bought your insurance to help me get by if I was hurt. I am so in the hole now, I am going back to work before I am healed. Can't afford to stay home. Will probably now have this pain for years as I won't be able to let it heal. Thanks, Cigna. Your website says you not only relieve financial worries, but help with peace of mind, etc. Ha, I can't even sleep anymore worrying about my bills, family, expenses, etc. I am facing losing my health insurance, phone, car, etc. Thanks Cigna.
     
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Posted by clutzycook on 2010-09-17:
I think at this point your best bet would be to contact a lawyer to specializes in disability claims.
Posted by annie-mac on 2011-01-16:
it seems like we are all suffering the same poor procedures of CIGNA and so called "STD" they take our money for but will not give us a check when we actually need to collect on it....too bad there isn't a pro bono lawyer that we can all be represented by to go after CIGNA and their harrassing ways....
Posted by tam2011 on 2011-03-10:
I'm having a very similar situation also. Email if you're able to get some help. Cigna is refusing to pay for time off from a surgery I had where the Dr stated that I should take six weeks off no questions asked. Cigna is now saying that according to their regulations the procedure required that I only take off four weeks and I'm sol on the last two weeks. My HR refused to let me come back to work prior to the six weeks being up so I'm being screwed over on both fronts. Cigna has refused to pay me for the full six weeks and HR refused to let me come back to work because the Dr said stay home for six weeks. I absolutely couldn't win!
Posted by Kat2013 on 2013-07-11:
tam2011...it seems that my experience with Cigna is following the same path as yours. Did you ever get it resolved? If so, how? The experience with Cigna is worse than being ill...why don't they listen to the doctors who are the "experts" and familiar with our conditions. Instead they use "statistics" to guide their "nurse" to question EVERYTHING the doctor provides. Not only that, they constantly say that they don't receive paperwork (even when sent numerous times to a verified fax number), but in truth they are either behind on their cases or just want to drag their feet. They certainly have made my healing process harder than it needs to be...shame on them.
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Cigna/Sedgwick, Short Term Disability administered, avoiding paying however they can
Posted by J. Coop on 03/16/2010
I have also encountered the problem with Cigna/Sedgwick plan admin. They seem to avoid paying any way they can and have unreasonable requirements. How can my doc give a back to wortk date when there are no standard treatments for my foraminal stenosis, osteophytosis, muscle spasms? There's no way anyone can know when I might get back to work! They then require confirmation of disability every month! They repeatedly request more info from doctors when everything on their forms has been provided. Now they're telling me that my doctor's info does not meet their requirements for disability. It's ridiculous. My doctors don't even want to bother with the forms anymore or giving them any info.
They also lied about sending or approving a payment delayed from last year on February 5th, payroll told me that they only got it March 6th. I'm planning on reporting to my company their underhanded tactics.
     
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Posted by Anonymous on 2010-03-17:
Read the policy. Your situation seems to be more to long term than short term since you said yourself your doctor can not give you a return date and there is no treatment for you.

You always have to update once a month with short term disability because they want to make sure your illness or injury is short term. This is a standard request for STD insurance claims.
Posted by skelly39 on 2010-03-17:
Agree with Lady. Sounds like you have a chronic condition. If this is a short term disability policy, they aren't going to pay for you to remain out of work forever. Contact social security and see if you qualify for permanent disability.
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