Disability Insurance FAQs

Get answers to the most frequently asked questions about disability insurance.

We’re dedicated to helping individuals manage their disability absences. And along the way, we’re asked a lot of questions. We’ve compiled a list of the most commonly asked questions, and answered them here.

Who can report a disability claim?

Any of the following can initiate the report of a disability claim:

  • You
  • Your supervisor or HR representative
  • Your family member

How do I submit a disability claim?

A disability claim can be submitted to Cigna by phone, fax, mail, or online. For more information, visit Filing a Claim.

Where can I go to review my claim?

Once your claim is submitted you can review the status of your disability claim at

What happens when my disability claim is approved with a return-to-work date?

The claim manager will contact you and your employer to notify you both of the expected return-to-work date.

When and how will I get paid?

If your disability claim has been approved, you will receive an approval letter. The letter will inform you of the amount you will be paid, the frequency of the payments, and how you will receive payments.

What can I do if my claim is denied?

You have 180 days to appeal this denial. This amount of time for appeal is required by federal regulations (if the plan is covered under the Employee Retirement Income Security Act, or ERISA). Your disability claim manager will tell your employer the claim has been denied.

Even if your claim is denied, you may be eligible for leave under the Family and Medical Leave Act (FMLA) or other job protected benefits. You should contact your Human Resources department for more information.

You may appeal the denial decision in writing by sending your appeal letter to the address that appears in the letter informing you of the denial.

  • Your appeal letter may include written comments and any new information you have.
  • In addition to your letter, you may submit information which may include medical records from your doctor and/or hospital, test results, or therapy notes. These medical records should cover the period of the start of your medical treatment through the end date (or the present date if medical treatment continues).

I want to return to work tomorrow, but I don’t have a work release. What should I do?

Call your disability claim manager to discuss it. The claim manager will confirm if a formal work release is required.

If my claim is denied, am I still eligible to use other Cigna programs and services that are part of my disability plan?

Yes. Cigna offers a variety of programs and services as part of the disability plan–and you don’t need to have an approved disability claim to use them. See the Living Healthy section for more information.

What resources does Cigna provide to help me return to work?

If you have concerns about returning to work, you should discuss them with your claim manager. Cigna has a variety of resources available to assist depending on your particular situation and your employer’s return-to-work program. For more information, visit Returning to Work.

Young woman standing outside and looking at her phone

This information is provided by Cigna solely for information purposes and does not constitute legal opinion on any specific facts or circumstances.

Product availability may vary by location and plan type and is subject to change. All group benefit plans 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 you a licensed agent or Cigna sales representative.