I pay for short term disability through employer payroll deduction. My disability rate is $1,221.19 per week per employer.
Cigna is only paying me $117.00 per. I applied for California state disability online but my doctor does not certify online thus requiring me to wait for the State to send me blank med certification to take to my doctor. Adjuster was advised of this and I requested my full benefit from Cigna and I would sign an agreement to reimburse Cigna $1,104.00 per week when the state pays me disability. Adjuster told me in a 3 person telephone conference call that Cigna does not do this.
I demanded a copy of my policy. Policy allows Cigna to pay my full benefit if I show proof of applying for state disability and if I sign an agreement to reimburse Cigna.
This appears to be bad claims handling practice.
Product or Service Mentioned: Cigna Disability Insurance.
Reason of review: Bad claims handling practice.
Preferred solution: Pay benefit per contract with interest and penalty or I will take legal action.
I didn't like: No accountability.