CIGNA

Thank you for forwarding this complaint to Cigna. A response letter was sent to customer on 06/17/2015.
Charlene V[redacted]
Executive Office Advocacy Team

We received the complaint and we are currently reviewing.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
1. I did not see this requirement on the web pages.2. This requirement was not on the Cigna form which was required.3. Apparently this requirement was not discoverable to the several customer service representatives who promised it would be taken care of for 2014.
Regards,
[redacted]

A written response was sent to the customer today in regard to Revdex.com complaint # [redacted]. Customer [redacted].

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Better...

Business Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  In the sense that I was contacted and the required documents are being mailed to my home. 
Regards,
[redacted]

December 11, 2015Dear Sir or Madam:We are writing in response to your correspondence dated December 2, 2015 referencing [redacted]'s claim for Long Term Disability (LTD) benefits. [redacted] was covered under his employer full-insured LTD group benefit policy [redacted]. This policy was underwritten by [redacted]) and sitused in the state of Pennsylvania.[redacted] continues to raise concerns regarding his most recent LTD claim. Please allow us this opportunity to address his concerns and provide a current update of his claim.We understand that [redacted] continues to debate what documentation was sent to him and what information he did not receive. Unfortunately, we can only report what information is reflected in our records. Our previous response to your department dated November 30, 2015, explains in detail this documentation. To ensure [redacted]s concerns are thoroughly addressed, and per his request, we have referred his claim to our appeals department for reconsideration of benefits. As with all claims, we remain fully committed to conducting full and fair reviews, and will consider any and all information [redacted] wishes to submit.We acknowledge that [redacted] mentioned that he has not received a recent phone call from his previous Claim Manager (CM), Matt R. Please note, once his appeal was referred to our Appeals Department, [redacted] was assigned an Appeal Specialist who will perform a completely separate review of his case. After discussing his concerns with our Appeals Department, we were advised that his case has been assigned to Appeal Specialist, Kristi S., who will be reaching out to [redacted] and will explain the appeal process. Should [redacted] have any specific questions regarding the appeal process. he can contact Kristi directly at [redacted] ext. [redacted] for further assistance.Thank you for allowing us this opportunity to respond to your inquiry regarding [redacted]'s LTD claim. We hope the information provided is helpful. Should you have questions or would like to discuss this matter, please do not hesitate to contact me directly at ###-###-####. You may also contact CGIs Consumer Advocacy department regarding any group disability, life or accident concerns at:Cigna Consumer Advocacy Attn: Meredith *. L[redacted] Phoenix, AZ [redacted] Email: [email protected]: Fax: ###-###-####Sincerely,Rick P.Consumer Advocacy Specialist

Hello-A response letter addressing this complaint has been issued to the customer on September 10, 2015. In order to release the response to the Better...

Business Bureau, the customer will need to complete the authorization form included with the letter. Thank youTanya H[redacted]Executive Office Advocacy Team

Hello-
A letter addressing this complaint was issued to the customer on September 14, 2015. If the customer wishes for the results of this review to be shared with the Revdex.com, the attached authorization form will need to be completed and returned.
Thank...

youTanya H[redacted]
Cigna
Executive Office Advocacy Team

Cigna is reviewing this matter and will respond with additional information.  We take patient confidentiality seriouslyProtecting our customers’ personal health information is critical. So much so, that the Health Insurance Portability and Accountability Act (HIPAA) requires that we protect an...

individual’s private health information (PHI). Because this matter requires that we look into personal information, we need Mr. Souliere to give us permission to share our findings with the Revdex.com. Mr. Souliere  can grant this permission by signing the attached Authorization for Use and Disclosure form.Erica M[redacted]Executive Office Advocacy Team

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: the response that was given has nothing to do with the initial reason. I have been through the ringer with this company and its lack to provide a with and accurate information. I am aware that this is the last step to were you can help and that's fine but I know my claim is valid and I will not sit by any longer run around town getting documents they should get to expedite the process with no apology for there lack of following there own mission statement or motto. I will reach out to my job and I have contacted a lawyer today to represent me. Since they are stating they are in the right and it is all on me fine. See you in court. It's sad when you complain and all the way to corporate and nothing is done or some type of resolution for both parties. I will never never use this company again I rather decline a job that deals with them because they do not help. 
Regards,
[redacted]

Cigna has conducted an initial review of this Revdex.com
request and an...

update will be sent to the customer today, July 7, 2014. Once the review is completed, additional outreach will be made to the customer.

Hello,
Thank you for this information.
I will be researching the issue and will respond directly to the customer once a resolution is met.
Thank you,
Nicole P[redacted]

Thank you for this information.
Upon review, the [redacted] Debit card for the Flexible Spending Account has been issued as of November 5, 2014. It will arrive in the mail within 7-10 business days of the issue date. Correspondence will be sent to the customer addressing all concerns....

Thank you,
Nicole P[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the...

response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Hello-Thank you for forwarding this complaint. Cigna will review and follow-up directly with the customer. Thank youTanya H[redacted]Cigna's Executive Office of Complaints

March
23, 2016Dear
[redacted],We
are writing in response to your March 14, 2016, inquiry regarding [redacted]s
Long Term Disability (LTD) claim. [redacted] was covered under his
employer-provided fully insured LTD Policy LK [redacted], which was underwritten
by [redacted]...

[redacted] ([redacted]) and issued in the state of
Massachusetts.We
understand that [redacted] feels his claim was closed prematurely. [redacted]
thought that there was a retroactive change to his policy which amended the
maximum benefit period to allow for three additional months of LTD benefits. As
of March 23, 2016, there has been no such change to his employer’s policy or its
benefit duration which would allow for these additional benefits. [redacted]’s
LTD claim manager previously discussed with the customer that if such a change
were made, than his LTD benefits might be able to be extended. However, no
amendment to the policy occurred. Policy
Number LK [redacted] includes language which limits [redacted]’s LTD coverage to
24 months of disability benefits. It was determined during our review of the
customer’s claim that he would have been considered disabled starting on
January 29, 2014, with benefits commencing on April 29, 2014. Disability
benefits were paid to [redacted] through April 28, 2016, the maximum benefit
period for his disability. Therefore, as 24 months of benefits have already
been extended, no further benefits are payable under the policy.We regret any confusion that may have occurred with [redacted] thinking there had been a change to his policy. On February 3, 2016, our
claim manager spoke with [redacted] by telephone to confirm there had been no amendment
made to his policy which would extend his LTD benefits further than April 28,
2016. Our claim manager also discussed with [redacted] his option to file an appeal
should he disagree with our claim determination.
Should [redacted] wish to file an appeal or  has additional questions on the process, he
may contact the claim manager who made the determination on his LTD claim
directly. Should
you or [redacted] have any questions or would like to discuss this matter
further, please feel free to contact me directly at ###-###-####.  Sincerely,Eric F[redacted]Compliance
SpecialistCGI
Consumer Advocacy

Thank you for forwarding this complaint to Cigna. Cigna has reviewed this complaint and resolution letter has been sent to the customer on 09/20/2015.Erica M[redacted]Executive Office Advocacy Team

Cigna contacted [redacted] at the telephone number listed on Revdex.com # [redacted] and left a voicemail message. This has been resolved.

Thank you for this information.
I will be in review of this issue and will respond directly to the customer.
Thank you,
Nicole P[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed...

Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
I received a call stating they were going to correct the issue through July... setting the rate to $488 through July and refunding me accordingly through then... which is not what was initially agreed to. In May I was still charged $520 which leads me to believe nothing happen.
Regards,
[redacted]