I resist posting online, but this issue touches a very sensitive nerve for me. I had short and long-term disability insurance that I had paid premiums on . for years. It was not Cigna, but from the very start it was a struggle to get what was legally and rightfully contracted to me. It is a long story, but I can say I was treated like a lying criminal. I had supportive statements from my primary care physicians and my neurologists.
The struggle at times actually impacted my health. Finally I contacted a disability attorney, and things got easier.
By the final days of my payoff (36 months total, as I recall), the insurance company had received more than 100 pages of medical documentation—doctors’ statements, doctors’ visit reports, lab tests, etc.

I am well educated and had family support, but I feel sorry for those who are trying to go it alone.
I clearly had paid premiums for years and had to leave my job because of this serious chronic illness.
In the end though I know having that the insurance payments were very important with my being able to maintain a decent living.
I did not ask the National MS Society for help, but maybe the organization can help those who are trying to get their disability insurance.

My employer used cigna. Although the short term was only 6 months that the employer paid but cigna managed. When it got to long term I was denied but I kept sending so many letters and appeals. Cigna disability was sold to new york life. You can read about it in my story.