cigna - Page 2

Pooky1 · ‎12-23-2015

i got disability. and i had cigna to that i paid for. cigna told me that if doctor says i cany work then i can collect it until im 65.

VaBelle35 · ‎03-10-2010

We are talking about Long Term Disability (LTD), not Long Term Care. They are 2 different things.

Employees pay for some or all of their Long Term Disability (LTD) benefit through payroll deductions. LTD starts after Short Term Disability (STD) and they have different thresholds. Most people qualify for STD but not always LTD. It's your doctor who submits the information to the insurance company so that the insurance company can determine your LTD eligibility.

Unless you have an irreversible, progressive or terminal diagnosis that impacts your ability to work, there is no guarantee that your LTD benefits will continue until you are eligible for Social Security. If you are collecting LTD benefits, the insurance company will keep requesting updates from your doctor on your status and progress. If your medical condition is being managed with medication or treatment and you have seen improvement, your doctor has to report this to Cigna and it can and will impact your benefits.

I don't think a lawyer is the way you need to go, I think you need to talk to the doctor who submitted your medical information and find out what he reported to Cigna. It may be a simple mistake or the doctor didn't submit the proper paperwork in time.

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QVC Shopper - 1993

# IAMTEAMWEN

VaBelle35 · ‎03-10-2010

Also, the way LTD works has to do with being able to do any job, not just the job you had when you went on LTD.

Just because you may not be able to do the job you had doesn't mean there isn't a job you can do now or that you can't do the job you had with accommodations.

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QVC Shopper - 1993

# IAMTEAMWEN

chrystaltree · ‎05-10-2010

Disability benefits don't work like that. If that were the case,half the working world get a doctor to say they are disabled and collect a check for 20 years. It sounds like you don't meet the insurer's criteria for disability benefits now.

Nuttmeg · ‎03-09-2010

@chrystaltree wrote:
Disability benefits don't work like that. If that were the case,half the working world get a doctor to say they are disabled and collect a check for 20 years. It sounds like you don't meet the insurer's criteria for disability benefits now.

It is very difficult to keep a Ltd policy paying.