I am a 47 year old woman. I worked as a full time pharmacist for 23 years.
I had a successful career and recieved awards and bonuses. Ironically I recieved a midyear bonus right before I told my supervisor I had chronic fatigue and fibromyalgia. I had gone out for short term disability to recover my heatl, but Cigna has refused to pay anything at all not 1 penny- Very reluctantly I decided to go out on permanant disability because I literally could not get up to go to work on time. After 3pm I would collapse- I must sleep 4 to 5 hours in the middle of each day due to exhaustion.
I rarely go out at night anymore and if I do I must rest 2 or more hours in bed first. I was diagnosed with Hashimotto's thyroiditis, fibromyalgia , chronic fatigue (depression and anxiety) Cigna has just focused on the depression and anxiety which did not occur until after I had been living in pain and exhaustion for ove 3 years. If I go out for depression Cigna will only have to pay me 60 % of my salary for 2 years ( to all the depressed people out there I do think this should be made illegal but unfortunately this loophole still exhist) Cigna has totally ignored everthing but the depression. I am 47 years old and have previously had no hx of depression.
It is obviously a direct result of my illness and the loss of 100,000 per year loss of income. I tried to sell my house - no luck- Thank God my husband has a good job and insurance becuase Cigna tells me I am not disabled my workplace, dropped my insurance. They sent out a letter on September 30,2011 , Telling me my insurance ended October 1st. I have 2 children an older son adopted from South Korea and a younger son who has been diagnosed with Asperger's syndrome.
I have an attorney- I am sure Cigna will keep this out of court so as to not set a precident for fibromyalgia chronic fatigue- I have 4 doctors who agree, and I had the financial ability to fight. I was able to pay for a national expert on fibromyalgia and chronic fatigue. I have a friend from England who has told me this is myalgic encephalitis and I have read foriegn websites that understand about this disease. Unfortunately the US is a little slow- Wake up people.
I am disgusted with this country right now.
I told my attorney they can investigate everything about me, I am so clean I squeak and was always a good citizen. I know this case wil settle and I will have to sign a confidentiality agreement- I can only ask that someone who is wealthy gets this and is able to let it go to trial-
Product or Service Mentioned: Cigna Disability Insurance.