When we think of insurance, what comes to mind often has to do with compensating victims for injuries they’ve suffered or damage that’s been done to their property. While this sort of coverage is certainly important, there are a host of other types of insurance. One of the most important things insurance can protect is our ability to earn an income should we become unable to work. This is where insurance like Cigna long term disability coverage comes into play.
Short and long term disability coverage are both meant to make up for periods of time in which the policyholder is unable to work. Unfortunately, the process of getting claims approved can be quite difficult, and many insurance providers have been accused of offering sub-par coverage. According to the Financial Post, the issue has only been worsened by the pandemic. Denials of coverage have reportedly increased, as have claims. Indeed, while total U.S. deaths from COVID-19 have surpassed 180,000 — The New York Times notes that the real death toll may already have surpassed 200,000 — the long-term effects of the virus may cause a wave of long-term disabilities in this country.
While not much is known about the long-term consequences of COVID-19, early research indicates there may significant long-term issues, such as organ damage, blood clotting, fatigue, and more.
What is Cigna Long Term Disability?
According to Cigna’s company site, disability insurance is provided to help consumers “prepare today to better help protect tomorrow.” Typical health insurance is meant to cover any medical bills you may incur, but Cigna long term disability insurance and other long term disability policies are intended to supplement part of what you would have earned had you had not been injured or diagnosed with a debilitating illness. Cigna coverage is often paid by employers, but employees often have the option to add benefits at an increased cost.
As the name suggests, long term disability benefits are meant to cover a period where an employee is out of work much longer than what short- term disability covers. Short-term disability policies generally provide coverage for three to six months, while long-term disability benefits generally cover periods of a few years.
What Are the Cigna Benefits?
Cigna lists many benefits of its coverage. Cigna long term disability insurance pays a percentage of your covered income — up to 60 percent or $5,000 per month — during the time you are unable to work. Most long-term disability policies will cover two, five, or 10 years, but some last until the disabled worker reaches retirement age.
The benefits of long term disability insurance include money to cover a range of expenses such as housing, food, and anything else you need to support yourself while you’re out of work.
Cigna claims that it provides quick payments and automatic claim submissions. This second point means that Cigna will automatically file claims for those covered by Cigna’s Accidental Injury, Critical Illness, or Hospital Care insurance coverage.
Cigna also provides “expert health and vocational coaches” to help policyholders return to health sooner. According to the site, the company saw a 91% increase in reports of policyholders feeling positive about returning to work after coaching. The company also offers a “suite of programs and services” for claimants and their families.
Cigna says it offers lower rates than competitors because policyholders don’t purchase coverage on their own. The company cites payroll deductions as an easier way for policyholders to make quick payments.
What is the Process to Receive Cigna Long Term Disability?
The process of receiving Cigna long term disability benefits can be a difficult one. The coverage is something that would be offered by your employer with any added benefits paid by the employee. To file a claim, you will first need to determine what kind of claim you should be making: short-term or long-term disability.
To make a claim, you will need to have a medical exam. Once you’ve determined that you will need Cigna long term disability insurance, you must complete a claim form with the help of your employer. This form should be submitted with a physician’s statement. This can be done via U.S. mail, fax, or Cigna’s online portal.
The paperwork is relatively simple. It’s getting approved which can be difficult. You must prove that you are unable to work without triggering any of Cigna’s exceptions. For instance, coverage is likely to be denied for any issues related to a pre-existing condition. Coverage may also be limited for those seeking benefits due to “mental or nervous disorders” such as anxiety or eating disorders.
How is Cigna Eligibility Determined?
To qualify for Cigna long term disability benefits, you must meet a number of requirements: first, you must be unable to work. You must also be under the care of a medical provider and your injury or illness must meet the definition of a disability for a long term disability insurance claim.
Simply put, disabilities are health issues that limit a person’s ability to communicate, move, or complete tasks. The specific definition of “disability” used by your insurance carrier should be included in the terms and conditions to which you agreed. Issues which may be covered by Cigna long term disability insurance include the following:
- Auto-immune disorders
- Back disorders
- Carpal Tunnel Syndrome
- Cerebral atrophy
- Chronic Fatigue Syndrome
- Chronic pain
- Complex Regional Pain Syndrome
- Crohn’s Disease
- Cystic Fibrosis
- Degenerative Disc Disease
- Epstein-Barr Virus
- Eye Disorders
- Heart Attack
- Heart Failure
- Hepatitis C
- Hodgkin’s Disease
- Irritable Bowel Syndrome (IBS)
- Kidney disease
- Knee disorders
- Lung cancer
- Lyme Disease
- Macular degeneration
- Macular edema
- Meniere’s Disease
- Multiple Sclerosis (MS)
- Rheumatoid Arthritis (RA)
- Seizure disorders
- Sickle Cell
- Spinal cord disorders
- Spinal Stenosis
Should You File a Cigna Long Term Disability Lawsuit?
A growing number of people are coming forward, alleging that their legitimate disability claims were unjustly denied by their insurance company, leaving them without essential benefits when they need them most. If you are denied coverage by Cigna, you may wish to seek the assistance of an attorney. Legal counsel can greatly increase the likelihood that an appeal will be taken seriously by the carrier.
Filing a lawsuit can be a daunting prospect, so Top Class Actions has laid the groundwork by connecting you with an experienced attorney. who can help you find any additional evidence that may help prove the veracity of your Cigna claim. This evidence can be used on appeal or in any legal action taken against the provider. If your insurance provider has a history of poor practices, you may want to consider filing or joining a class action lawsuit. Cigna in particular has a poor track record with behavioral health claims, according to MedCity News and Becker’s Hospital Review.
Get Help With Your Long Term Disability Insurance Appeal
If an insurance company denied your long-term disability insurance claim within the past 180 days, a knowledgeable insurance attorney can help you appeal.
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