CIGNA disability claims, or claims from other large disability insurers, are often managed by third-party companies, who are contracted by CIGNA, Aetna or some other large insurer. They are hired to review claims, which often entail denying or terminating claims. These are not companies you will read about when you purchase your disability insurance coverage. These are the companies you hope that you never hear from.
Many people who are on claim with CIGNA or Aetna or others for their disability insurance policies receive a notification from a company they have never heard from, with news they never expected: that their disability claim is being terminated.
Some of these companies identify as “healthcare recovery” resources that help recover “overpayments” and look for what they endearingly call “other sources of income.” Or they are engaged by large insurers to pursue money one might receive from a personal injury lawsuit which caused the claimant’s disability. That’s the polite way of saying that they are hired to get money back for big insurance companies. They will go after other insurance companies or other sources that might let their clients, which includes CIGNA or Aetna disability, reduce their exposure.
Nowhere on their websites will you read anything about the terrifying impact of having a steady disability insurance benefit check disappear when it is most needed. You also won’t read about the time lost when an unsuspecting claimant receives a notice from a company they do not recognize and discards the letter, thinking it’s a piece of junk mail. How are you supposed to know that a company you never heard from is sending you a time-sensitive piece of mail that could impact the rest of your life?
Here are the names of some, but not all, of the companies that we have worked with over the years who serve CIGNA and other disability insurance companies:
- DMS (Disability Management Services)
- Disability Reinsurance Management Services Inc. /Disability RMS
- Sedgwick Claims Management Services
- Matrix Absence Management
If you have received a termination letter in the mail from a company you have never heard from, do not discard the letter because you think/hope that it is a mistake. Once notice of termination or denial of a claim has been sent, the clock starts ticking and you have a very short period of time to file an appeal.
If you have questions about your disability insurance policy, call our office at 877-LTD-CLAIM (877-583-2524) to learn how we can help.