Getting Long Term Disability Benefits from Cigna

Cigna long term disability benefits are a type of private insurance benefits. If you are shopping for long-term disability insurance, you already know that there are a large number of possibilities, and many questions regarding long-term disability insurance coverages and premiums that need to be answered in order to get the best deal. 

Getting Cigna Long Term Disability Benefits

Many insurance providers offer long-term disability coverage either as a stand-alone product or as an additional policy tacked on to an existing insurance account.  If you are thinking about getting long-term disability insurance benefits through Cigna, you will want to know certain things before you commit to the insurance policy, to make sure it is the right one for you.

Cigna has a number of different programs to help return injured employees to work as rapidly and as healthily as possible.  In addition to vocational rehabilitation programs, which can retrain a disabled employee for an occupation that they may be more suited to given the nature of their disability, Cigna also offers programs designed to help you get back to work doing what you did before. This includes plans that will allow for job modifications in order to keep you working at the same profession or occupation you worked in prior to your injury.

Cigna also has programs in place to help ease the transition between short-term and long-term disability.  If, for example, you are initially on short-term disability but need to transfer to long-term disability, Cigna can help by streamlining the paperwork if your employer has both policies through Cigna.  In addition, if you purchase both long and short term disability through CIGNA, you will potentially be eligible for discounted premiums, and as such you will be saving money all while ensuring you are protected as much as possible from a trying and financially straining time.

In addition to all of these benefits, Cigna offers other advantages as well when it comes to the problems associated with long-term disability insurance benefits.  For one, Cigna can help you determine whether or not your injury qualifies for Social Security Disability benefits, and help streamline the process of applying for and receiving your Social Security Disability benefits.  Cigna also has trained counselors available to help you or your employees via phone, fax, email, or other means at any point in the long term disability benefits process.

Getting Help

If you are considering getting long term disability benefits through insurance from CIGNA, speak to an experienced disability rights attorney who can help you determine what type of insurance you need and whether CIGNA provides you with the best protection in your situation.