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Disability Insurance

Cigna engages employees at the right time with the right resources to help them get to their full potential sooner.

At Cigna, we are focused on improving the health, well-being, and peace of mind for those we serve. Our disability insurance is designed to maximize performance and profitability. After all, when employees are healthy, they can be more productive.

Our disability insurance focuses on prevention. But if a disabling illness or injury does occur, our expert claim managers and vocational coaches work together to help employees get back to their full potential sooner. Ninety-one percent of our customers feel positive about their ability to work after coaching.1

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Did you know?2

An Unexpected Disability May Affect More Than Health

Infographic | July 2019

An Unexpected Disability May Affect More Than Health [PDF]

If an illness or injury should occur, employees may need more than just health coverage.

Features of our short- and long-term disability solutions

  • Broad disability plan portfolio: Our flexible funding arrangements allow us to design a customized disability program to meet your organization’s needs.
  • Whole person support: Cigna connects the body and mind to help improve customers’ total health, productivity, and well-being.
  • Real-time data and analytics: We identify and engage at-risk employees before a disability occurs.
  • Service and in-house clinical teams: Our teams connect your employees to the right programs to help drive better health outcomes.
  • Value-Add Programs and Services3: Cigna offers every-day help and support. Learn more.

Meet Teresa

After Teresa went out of work to have a back surgery, she feared what the future would bring and how her recovery would go. Cigna's Vocational Team worked with Teresa and her manager to help her reach her full potential sooner.

Cigna and Achilles International, working together for our customers

Achilles International is a nonprofit that brings volunteers and disabled runners together to train in an environment of support and community.

Our collaboration with Achilles International helps us accelerate whole-person health and build strong personal relationships with those we serve.

See how our collaboration has impacted the lives of 2 individuals:

Meet Makeda

When a nurse found herself unable to walk, we helped her recover so she could get back to the work and life she loves.

Meet Jordan

When Jordan found his chronic back pain unbearable, we helped him find relief in an unexpected way.

Disability Podcast Series

A female physical therapist helps a man with treatment.

Disability Podcasts

Find out more about disability insurance and the resources that help employees return to work.

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Ready to plan your benefits strategy for next year?

Contact your broker or connect with a Cigna representative to learn more about how we can work together.

1 2019 Healthy Working Life Survey. The study was conducted via an online survey launched by Cigna and completed by 295 customers in 2019.

2 Cigna, 2018 Disability Survey. November 2018.

3 These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are provided through third-party vendors who are solely responsible for their products and services. Full terms, conditions, and exclusions are contained in the applicable client program description and are subject to change. Program availability may vary by plan type and location and are not available where prohibited by law.

Group disability plans are insured and/or administered by Life Insurance Company of North America, except in NY where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). Plans may not be available in all areas. All group insurance policies may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact your Cigna representative. Policy form: TL-004700 et al.