Beware of the CIGNA “Vocational Rehabilitation Assistance Program”

If you are currently receiving Long Term Disability benefits through Cigna Group Insurance, you may be contacted and asked to participate in their Vocational Rehabilitation Assistance Program. Cigna will explain that they may be able to assist you with their Re-Employment Solutions, but will note, however, that your policy contains a Mandatory Rehabilitation Provision which may “require” your participation. This means that your failure to cooperate and participate in their program could lead to the denial of your long term disability benefits. Basically, Cigna may be trying to use their so-called Vocational Rehabilitation Assistance Program as a back-door way to deny your benefits. The Cigna Voc Rehab Program can be a double edged sword that you should discuss with an experienced disability insurance attorney that has handled Cigna disability claims.

Is The Vocational Rehabilition Program Offered By Cigna Good Or Bad?

If you truly desire, and have been cleared by your physicians, to return to the workplace, then this vocational rehabilitation program may be beneficial for you. However, if you have not been medically cleared to return to work, your cooperation and participation in this sort of program may be used against you in such a way that the insurance company is able to show that, despite your physician’s recommendations, you can in fact return to some type of occupation. This, of course, would lead to your benefits being discontinued.

Bottom line: Cigna’s Vocational Rehabilitation Assistance Program is a benefits denial tool in disguise.

Before you agree to participate in Cigna’s Vocational Rehabilitation Assistance Program, it is highly recommended you consult with a disability insurance attorney as to your rights and options. Please feel free to contact Disability Attorneys Dell and Schaefer for a free consultation.

Read more about CIGNA disability insurance problems here.

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We represent Cigna clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

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Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Cigna. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Cigna.

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Our lawyers help individuals that have either purchased a Cigna long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Cigna:

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The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

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