IF YOU HAVE CIGNA INSURANCE, BEFORE YOU FILE A CLAIM.......HIRE A LAWYER TO FILE IT FOR YOU. YOU WILL NEED THEM.
I have been dealing with them since last year concerning STD and LTD benefits. They will do everything and anything NOT to pay you the benefits that you have paid for when you bought your policy. I would have NEVER BOUGHT A POLICY FROM CIGNA had I read the information on "Pissed Consumer" first.
Don't make the mistake that I and others have made. Get your oun policy from anyone other than Cigna, I don't care what it cost.