Question
Can employer provided policies contain provisions that allow them to reduce the amount they have to pay based upon source of "other income"?
Greg Dell, you commented on an old post from an old claim with Cigna. My disability returned after 9 months of work and I had to go back out for 2 additional back surgeries… 4 total. I had my video hearing yesterday with a judge and the judge said we had 3 days to change my onset date due to employer benefit income rcvd after my apply date but before sad kicked in. The company which Cigna pays to help me get disability says let the judge change so we can appeal but Cigna is going to expect all backpay to them. How do they call themselves an insurance company and receive money from me for premiums if I have to pay them back? Why are they not made to change their name to indicate some kind of loan or advance company? Definitely not insurance if I have to pay them back. Is there anything I can do about this? I have worked 9 months in 4 years.
Answer
Sharon, Employer provided policies contain provisions that allow them to reduce the amount they have to pay based upon source of “Other Income.” These provisions are legal and enforceable. Unfortunately, most people are not aware of this language in their policy, but that does not negate an insured’s responsibility under the policy to reimburse for overpayments stemming from Other Income.
