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Despite getting short term disability and then long term disability due to an incurable blood cancer (where "remission" only means the ongoing chemo suppresses further bone damage, while it continues), and getting SSDI for complete disability, Cigna (the world's WORST insurance company) apparently throws EVERYONE off LTD after 24 months--even when the employer agrees there is no way the employee can return to work.
Has ANYONE, EVER, gotten an initial appeal overturned by the administrative process of appealing again?
Has ANYONE, EVER, won in court (ruled by the federal ERISA law that is written 100% for the insurance company to do whatever it wants) or even gotten a settlement from Cigna?
How anyone can believe Washington politicians care one iota about the average American, when they pass laws giving abusive Big Business full freedom to abuse, I'll never understand.
Despite getting short term disability and then long term disability due to an incurable blood cancer (where "remission" only means the ongoing chemo suppresses further bone damage, while it continues), and getting SSDI for complete disability, Cigna (the world's WORST insurance company) apparently throws EVERYONE off LTD after 24 months--even when the employer agrees there is no way the employee can return to work.
Has ANYONE, EVER, gotten an initial appeal overturned by the administrative process of appealing again?
Has ANYONE, EVER, won in court (ruled by the federal ERISA law that is written 100% for the insurance company to do whatever it wants) or even gotten a settlement from Cigna?
How anyone can believe Washington politicians care one iota about the average American, when they pass laws giving abusive Big Business full freedom to abuse, I'll never understand.
Check your LTD policy. Some policies are only for two years regardless of any illness or condition. If this is the case, Cigna has done nothing wrong. Your policy has ended.
Permanent long term disability is a myth, regardless of who you worked for or who the insurance carrier is. The chances of winning those benefits on appeal are nil. Sorry to be blunt but insurance companies are not in business to provide permanent disability.
Despite getting short term disability and then long term disability due to an incurable blood cancer (where "remission" only means the ongoing chemo suppresses further bone damage, while it continues), and getting SSDI for complete disability, Cigna (the world's WORST insurance company) apparently throws EVERYONE off LTD after 24 months--even when the employer agrees there is no way the employee can return to work.
Has ANYONE, EVER, gotten an initial appeal overturned by the administrative process of appealing again?
Has ANYONE, EVER, won in court (ruled by the federal ERISA law that is written 100% for the insurance company to do whatever it wants) or even gotten a settlement from Cigna?
How anyone can believe Washington politicians care one iota about the average American, when they pass laws giving abusive Big Business full freedom to abuse, I'll never understand.
The OP appears to be on the right side of the aisle. I doubt the OP supports the ACA. Funny how the last sentence in the post is about government allowing abuse. Does the OP want something crazy like regulations? IDK.
It really isn't about government regulations when you're discussing a private policy. It's up to the employer as to whether or not they want to offer LTD to their employees. It would be great if they all did but unfortunately most don't.
When an LTD plan is offered, the maximum is usually 24 months. It's not intended as a permanent disability plan so there is really nothing that can be appealed as long as the 24 months have been paid according to the terms of the policy.
It really isn't about government regulations when you're discussing a private policy. It's up to the employer as to whether or not they want to offer LTD to their employees. It would be great if they all did but unfortunately most don't.
When an LTD plan is offered, the maximum is usually 24 months. It's not intended as a permanent disability plan so there is really nothing that can be appealed as long as the 24 months have been paid according to the terms of the policy.
Yep. It just seems the OP isn't familiar with the terms of the policy.
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