How To: Report a Disability Claim

How To: Report a Disability Claim

How do I report a disability claim?

Simply do one of the following:
  1. Call toll-free at 1-800-36-CIGNA (362-4462) or 1-866-562-8421 (Spanish). A Cigna representative will walk you through the process.
  2. Fill out a claim form online at www.cigna.com/customer-forms using the following steps:
    1. Click "Selected Disability/Accident/Life/Critical Illness Forms"
    2. Click "Submit a Disability Claim"
    3. This will bring you to the disclosure notice page
    4. Review and click "Continue" at the bottom of the page
    5. Click "Submit a Disability Claim Online" to begin
Cigna highly recommends that employees file their disability claim telephonically. This allows you to provide voice authorization to Cigna to contact providers for medical records in lieu of signing an authorization form, which expedites the claim process.

When do I report a claim?

  1. Contact ACS HR (hr@assured-consulting.com) on or before your first day out of work. Tell us when and for how long you plan to be absent.
  2. If you know you'll be out for more than seven days in a row, call Cigna at 1-800-36-CIGNA (362-4462). Make sure you call Cigna before your seventh day out of work so they can begin reviewing your claim.

What information do I need?

Before you call or go online, please have this information handy:
  1. You name, address, phone number, birth date, SSN, and email address
  2. Employment information, such as date hired and job title (you can find this information in your Namely profile)
  3. Reason for your claim - illness, injury, or pregnancy
  4. Description of your illness, symptoms, and/or diagnosis. Include the date your symptoms started and if you have had these symptoms before
  5. Worker's compensation claims you've filed or plan to file
  6. Details about doctor, hospital, or clinic visits, including dates and contact information

What happens next?

During the call, Cigna will ask for your permission to get your medical information. Here's how it works:
  1. After you give Cigna your claim information, you'll be transferred to a recorded message
  2. Listen to the recording and answer "Yes" or "No" to the questions
  3. At the end of the recording, say "Yes" if you give permission or "No" if you do not
  4. You can cancel your permission any time by calling your Cigna claim manager
After the call, Cigna will send you a letter. It will include a copy of the recorded message for your records. It will also include a form that gives us permission to get other information Cigna may need to finish processing your claim. Please sign and return that form to Cigna. Check with your doctor to see if there are any other forms you need to sign.

A Cigna claim manager will call you and ACS (your employer) for a list of your job requirements. The claim manager will also call your doctor for your medical records. This information will help Cigna figure out how long you may be out of work, and the benefits you may be able to receive.

What happens if my claim is approved?

  1. Cigna will send you an approval letter that gives you an explanation of your benefits. You may also get a recorded call from Cigna with this information.
  2. Cigna will coordinate payment of your benefits as soon as possible.
  3. Cigna will tell ACS that they approved your claim and the date you plan to return to work.

What happens if my claim is denied?

  1. Cigna will send you a letter that explains why. The letter will also tell you how you can appeal the decision.
  2. Cigna will let ACS know the claim is denied.
  3. You should contact ACS HR (hr@assured-consulting.com) when you get the letter to discuss your return-to-work date.

What can I expect while I'm out?

Your Cigna claim manager will stay in touch to help you return to work quickly and safely. Cigna may work with you, your doctor, and ACS to talk about different work options. This may include an adjustment to your job or work schedule. ACS may also call you to check on your progress and offer support.

What if I can't return to work on the date my disability benefits end?

  1. Call your Cigna claim manager to talk about the situation and learn about your options.
  2. Let ACS know about your progress and status.

What should I do when it's time to return to work?

Contact ACS HR (hr@assured-consulting.com) and your Cigna claim manager to let them know the date you'll be returning to work.

Questions?

Call 1-800-36-CIGNA (362-4462). A Cigna representative is available to help you between 7am and 7pm CST.
You may also contact ACS HR (hr@assured-consulting.com) for further assistance.


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