Cigna — Long Term Disability Insurance
About 4 years ago I was diagnosed with degenerative disc desease and underwent a disc fusion. At the time I was approved for long term disability benefits through Cigna as I was expected to recover and return to work soon. Unfortunately the strain from the disc fusion caused 4 other discs to bulg and press against my nerve root. So my condition after healing from my surgery was actually much worse than before. However, Cigna informed me that I could return to work. I appealed my decision and won. Cigna agreed that I met the contract definition of disabled.
Two years go by and Cigna does what they call an "any occupation review". Basically after two years of disability if I can perform the job functions of any occupation which pays me 80% of my former salary I am no longer disabled. Cigna can't find me any other jobs I can do but they decide I can now go back to my old job. Now it's important to understand that my condition is not operable and I have been on long term pain management only. I appeal their decision and win. Cigna agrees that yes I am still disabled.
Two more years go by and I am still on long term pain management. I have not had any surgeries, physical therapy, or taken any medications that had any chance of changing my underlying medical condition. However, Cigna has yet again told me that my condition has improved to the point that I can return to work. I am appealing yet again.
Cigna does not care about the facts, your medical condition, your mental or financial stability or that returning to work could place your health or even your life at risk. The only thing Cigna cares about is denying as many claims as possible to boost their bottom line.
If your company offers Cigna insurance urge them to switch. If you have Cigna insurance take further steps to protect your family. If you are, like me, fighting Cigna right now then I suggest you pray - it's your only hope.
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