CIGNA Corporation Complaint - Disability Insurance Illusion
NEW YORK -- In October, 2004, I left my job at a major record company in New York City after seven years, due to the ongoing debilitating symptoms of an autoimmune disorder called Behcet’s Disease. The pain, neuropathy, fatigue, photosensitivity, and cognitive dysfunction caused by this disease proved to be too much for me to continue working at my job as Vice President of the Copyright Department. I am covered for disability benefits through my job by CIGNA Group Insurance. Unfortunately, CIGNA has refused to pay any long term benefits, citing what my wife and I believe are spurious reasons for defaulting on their contractual obligation. Despite medical support from recognized specialists knowledgeable about this rare disease, testimonials from employees at BMG, CIGNA’s initial granting of short term disability benefits for this condition, and my being approved for Social Security benefits following a medical review, CIGNA is maintaining their position even though their doctors have never even seen me.
My wife and I have had to hire legal counsel to request that CIGNA provide documentation under ERISA law and regulations that support their position. We sent a detailed response that included further doctor’s letters and treatment records, however CIGNA replied that they are affirming the previous denial. The cessation of income and mounting legal fees are causing my family severe financial hardship. I paid premiums for benefits that were clearly not available when needed. We do not feel that CIGNA has been full or fair in reviewing this claim, and are denying benefits using stall tactics in an apparent effort to bankrupt and discourage our efforts in securing the benefits to which we are contractually entitled. A quick online search reveals numerous instances in which insurance companies have behaved similarly, often using the exact same boilerplate language to deny claimants of their benefits. In some industries, this type of apparently collusive practice is viewed as anti-trust. We believe that CIGNA's denial was a foredrawn conclusion, and is patently unfair. For the sake of your family, please do not place full confidence in this type of coverage. We did nothing wrong, but learned the hard way.
CIGNA Group Insurance
P.O. Box 22325
Pittsburgh, PA 15222-0325
Ph. 800 238-2125
Fax. 412 402-3222
Policy Number: NYK 0980002
Underwriting Company: CIGNA Life Insurance Company of New York