Disability Insurance Lawyer Blog

CIGNA and the Consumer Affairs Website

We’ve noticed an uptick in the number of long term disability insurance complaints posted on the Consumer Affairs website concerning CIGNA, and that always grabs our attention. In fairness, this is a self-reporting website and it is not affiliated with Consumer Reports or with any government consumer affairs agency. But the satisfaction rating is pretty bad, with an endless series of personal stories of people who are being subjected to stress, phone calls, repeated requests for paperwork and what appears to be an overwhelming number of unhappy disability claimants. Perhaps the most striking was the man from North Carolina who had a heart attack, died and was brought back to life, who suffers from cardiac problems complicated by diabetes. He had his case closed without notice in early April. But the woman who was told “get another job” when her claim was denied was pretty heartless also. Websites like Consumer...
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International Awareness Day for Fibromyalgia and Chronic Fatigue Syndrome

Since 1992, May 12 has been designated International Awareness Day for Fibromyalgia & Chronic Fatigue and other chronic pain conditions. Across the county and around the globe, Fibromyalgia patients and their families are devoting time during May to raise funds and build awareness of these chronic diseases. A complete list of the diseases addressed on this day, also known as International Awareness Day for Chronic Immunological and Neurological Diseases (CIND), include Myalgic Encephalomyelitis (ME), Chronic Fatigue Syndrome (CFS), Fibromyalgia (FM), Gulf War Syndrome (GWS) and Multiple Chemical Sensitivity (MCS). These illnesses are grouped together because they share several characteristics: cognitive problems, chronicle muscle and joint pain and exhaustion. May 12 was selected because it is also the birthday of Florence Nightingale and it is believed that she suffered from ME/CFS. Florence Nightingale was an English army nurse who founded the International Red Cross. She became chronically ill in her mid-thirties with a...
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Are you celebrating Disability Insurance Awareness Month?

We’re not sure exactly why May was selected as Disability Insurance Awareness Month by the Council for Disability Awareness but we are pretty sure that didn’t happen by accident. Few things in this sector do. Being skeptics, we wonder if it’s because May is when people who are disabled and have been indoors during the winter months feel like they absolutely must somehow get outside and spend a little time in the sunshine, when a private investigator armed with a GoPro records their one trip to the front yard and pronounces their claim a fraud. We could be wrong, but we’ve seen it happen too many times. Disability insurance month is said to have been created and organized by a nonprofit called “Life Happens.” This is not a nonprofit that feeds the hungry, houses the homeless or cares for the indigent. It definitely gets our goat that...
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Disability Insurance Companies are All About the App – Why We are Not

Hartford has launched a mobile app that allows policyowners to file for disability claims on their smart phones. Users can file for short term claims, update personal data, and conduct much of the entire claims process through their phones. Kudos to Hartford and CIGNA for getting with the times and the technology. We expect that eventually all disability insurance companies will have mobile apps. Downloading forms and submitting them by mail seems so last century – but we advise our clients to think carefully before they file their disability claim with an app. It may feel as friendly as the app that you use to track your steps, or the one that you use for banking. We use plenty of apps in our personal lives. But a disability insurance claim is an important financial document. How the claim turns out can make the difference between a comfortable life and descending into serious...
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