Cigna only sens me a monthly check for the amount offset and refuses to apply my full monthly benefit amount to my claim. How do I fix this? Also, how do I obtain a copy of my policy?

I’ve been on Cigna LTD since last June. Initially, Cigna only approved my claim for a knee and foot problem. I had also been suffering from anxiety and depression, which I admitted to them that the anxiety was a pre-existing condition, but not the depression. Needless to say, Cigna tried to claim my depression was also a pre-existing condition. After several months, numerous letters and medical records sent to Cigna regarding my depression, they did a “peer medical review” and determined that my depression was not pre-existing. While waiting to have knee surgery I rolled and fractured my ankle on my other leg. This has been an issue for 8 months now and my fracture has still not healed. With all that being said, I had been receiving CA SDI benefits up until March of this year. Of course Cigna offset my benefit amount due to “other income”. No problem so far until I notified Cigna that my SDI benefits were exhausted last month. The issue I am having now is that Cigna is only sending me a monthly check for the offset amount and refuses to apply my full monthly benefit amount to my claim. What options do I have at this point to rectify the issue? I have also requested a copy of my policy numerous times and they refuse to send it to me.