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I came across this recent article by the Onion satirizing Long Term Disability insurer giant, Cigna. WARNING-STRONG LANGUAGE, NOT APPROPRIATE FOR ALL. The article takes a satirical poke at CIGNA for failing to treat its insureds fairly. While the article is obviously based upon the Onion's imagination it will likely strike a chord with anyone who has been put through the arduous LTD claims process or had their claim denied from some apparently bogus reason.

I have to say that I get more calls about CIGNA denials than almost all the other LTD insurance companies combined. I also have personally represented a number of clients where the claims denial rationale leaves me scratching my head. Bad claims decisions make good cases. Unfortunately, the client/insured is the one who pays the price while struggling to make ends meet until the claims denial can be reversed.

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