Question
Can Cigna cut off my mom's benefits after 2 years? Also, where can I get their guidelines?
Answer
1) A two year limitation of benefits for mental illness is common in Cigna disability policies. It is legal for them to limit benefits to two years if it is contained in the policy language. 2) If you are looking for CIGNA’s claim review guidelines, then you want to look at the a copy of the Summary Plan Description of your Mom’s disability plan. You have the right to submit an appeal if they deny the claim. You can file a complaint with your State Department of Insurance and the Department of Labor. After you exhaust all Appeals, then they can be sued.
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