CIGNA Corporation Complaint - Cigna Fails In Its Promise to provide financial security in the event you become disabled.
I paid group disability premiums for 25 years. I was disabled from working in Jan 2006. Only after writing government officials & filing an insurance dept complaint did Cigna agree to pay. Then after approximately a year of payment Cigna suddenly (without informing me in advance)writes me I am no longer disabled and can return to my regular occupation. This letter came AFTER the check did not show. My physicians support that nothing has changed and I continue to be disabled. This is what Cigna did:
1) They sent my file to two of their doctors for review (of course they wrote "deny" as Cigna pays them to do.
2) They sent the file to their in-house Nurse who wrote "deny" as Cigna pays her to do
3) Put surveillance on me two time which reflected I was not active and info actually supported my case. Sent me to a Functional Capacity Exam which supported I was disabled
4) FINALLY they found a doctor to perform an IME who agreed I was not disabled and was paid $2,000 for a 30 minute exam.
I am appealing the decision but you need to know that Cigna will do everything it can to disclaim benefits you may have paid throughout your career. The federal government really needs to come down on disability companies and enforce major changes to protect the consumer.