Did you know that disability insurance can replace a portion of your salary for a predetermined amount of time when you're disabled and can't work due to a covered injury or illness? It's usually available as short-term and/or long-term coverage.

We're experts in disability coverage. We work with thousands of employers to provide cost-effective, quality disability coverage we believe is unsurpassed in value. What makes our disability coverage so special?

• Easy-to-understand materials that take the mystery out of understanding disability coverage, and help you use the plan to get the most value.
• Prompt, friendly service that ensures questions are answered quickly and covered claims are paid promptly and accurately.
• Personalized rehabilitation support that helps you return to work quickly so you're back in control of your life and future.
• No-cost value-added services to help you better manage your life. You can get discounts on health and wellness services such fitness clubs, smoking cessation, weight loss programs, and even massages to help you maintain your health, well-being and security. you also have access to an online tool to help you prepare a will and other legal documents as well as receive step-by-step assistance to help you work through identity theft issues.

Learn more about disability insurance Learn how disability insurance offers continued income protection if you are unable to work due to a covered injury or sickness. Disability Claim Status Information - Learn how to obtain claim status information online via myCIGNA.com. (PDF 114k ) Disability Insurance Claim Tips - Learn about the types of information you should have handy when you need to file a claim. (PDF 90k)

Helpful videos and podcasts Watch and listen to the benefits of having disability insurance coverage and see a real life success story. See how CIGNA helped Geri return to work. Choosing and Using Disability Insurance Podcast - Listen to how everyone values disability insurance and who they turn to for advice. Real Life Success Story - See how CIGNA helped one person cope with surviving a life-changing accident. (Video 13.6MB) Short-Term Disability Insurance - Watch and listen to the benefits of having short-term disability (STD) coverage. (Flash 1.2MB) Long-Term Disability Insurance - Watch and listen to the benefits of having long-term disability (LTD) coverage. (Flash 1.3MB) 5 Myths Of Disability Insurance - A.M. Best Video.

Getting more from your disability plan "No cost" services included with CIGNA's disability plans to help you better manage your life. CIGNA's Will Preparation Program - Learn how you can create a will and other legal documents. (PDF 281k ) CIGNA's Healthy Rewards Program - Learn how you can get discounts off health and wellness services.

Help getting back to work Learn about programs and resources that CIGNA offers to help you return to work. Vocational Rehabilitation Services - Find out how CIGNA helps disabled employees return to work with specialized services. (PDF 61k) Re-employment Solutions – Learn how CIGNA helps employees rebuild their lives and careers. (PDF 138k ) Tips For Safe Return To Work - Read about how you can return to work safely after an illness or injury. (PDF 51k ) Tips For Managing Stress - Learn what you can do to manage stress. (PDF 51k )

Disability prevention & wellness Take advantage of tools and resources to help you reduce your risk of disabilities and accidents. Interactive Health & Money Tools – Tools and resources from CIGNA to help you stay physically and mentally healthy and to reduce your risk of disability. Learn About Diseases & Conditions - Resources and information to help you better understand and manage common diseases and conditions. Preparing For Unexpected Situations – Help reduce the chances of accidents and emergencies. Find out what to do if one occurs.

Use this calculator to find out how much disability insurance you need to protect your paycheck.

Thinking Ahead:
How to Protect Your Paycheck.