I bought short term disability through Cigna. Was out of work and filed for it.
2 denials 2 appeals over 50 calls and 6 visits to the doctor to fill out paperwork. Still nothing but excuses. Their doctor who has never seen or evaluated me decided I was not disabled even though 3 doctors who have actually treated me say I am.
They don't tell you when you buy it, it is up to them to approve your claim. All BS just another scam company
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