Please Note: Due to volume considerations, not all questions can be answered. Questions most likely to be answered will be those of general interest to a broad group of visitors to this forum. Questions pertaining to a specific case; requests for diagnosis, medical advice, or second opinion; or requests for opinions about untested alternative therapies will generally not be answered.
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LTD
Oct 20, 2008
I have worked for a large company for eight years. Currently we have open enrollment for our 2009 elections. I would like to sign up for LTD, but I am being asked to submit evidence of insurability. As a PLWA will Cigna deny my request for LTD?
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Response from Ms. Franzoi
It is highly unlikely that Cigna would issue you coverage if you are a PLWA. The only time one can obtain LTD coverage without medical evidence is during the initial enrollment period. If one has to complete a medical questionnaire, if there is any pre-existing condition that has the likelihood of resulting in a disability, an LTD carrier typically denies coverage
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