CIGNA Disability Services Overview
Insured STD
STD ASO
STD ATP
STD ATP
with Insured LTD
with Insured LTD
(Check Cutting)
with Insured LTD
(Durational)
with Insured LTD
(Financial)
✓
✓
✓
✓
• Telephonic Intake
✓
✓
✓
✓
• Web-based Claim Intake
✓
✓
✓
✓
• Paper, Fax or Mail
✓
✓
✓
✓
✓
✓
✓
CIGNA’s Life AssistanceSM Program
(Employee assistance to balance work/life issues)
Claim Notification:
CIGNA Group Insurance
offers a variety of
products and services
to suit each employer’s
need. These products
include:
• Insured STD and
Insured LTD
• Insured LTD
stand-alone
• STD Administrative
Services Only (ASO)
with Insured LTD
• STD Advice To Pay
(ATP) with Insured LTD
• Coordination with
Statutory Programs
in relevant states
FMLA Administration
Disability & Healthcare Connection:
(For CIGNA Disability & CIGNA HealthCare customers)
• Early Intervention Based on
Medical Condition
✓
✓
✓
✓
• Disability & Medical Case
Management Coordination
✓
✓
✓
✓
• Medical/Nurse Case Management
✓
✓
✓
✓
• Vocational Rehabilitation Services
✓
✓
✓
✓
• Social Security Assessment
and Assistance
✓
• ERISA Claim Denials & Appeals
✓
✓
✓
✓
• Overpayment Recovery Services
✓
Expert Claim Management including:
✓
• Fiduciary (Services ERISA plans)
Tax-Related Services & Reports
• Preparation of W-2 Statements
✓
✓
• Employer FICA Service
(Also available for Stand-Alone Insured LTD)
✓
✓
CIGNA Disability Services Overview
Insured STD
STD ASO
STD ATP
STD ATP
with Insured LTD
with Insured LTD
(Check Cutting)
with Insured LTD
(Durational)
with Insured LTD
(Financial)
• Online Disability Claim Summary
and Trend Reports (Standard)
✓
✓
✓
✓
• Disability Claim Inquiry System to
Check Individual Claim Status (Standard)
✓
✓
✓
✓
• CIGNA Express® – Disability
Customized Reporting Tool
(Buy-Up option for larger accounts)
✓
✓
✓
✓
• Client Welcome Package
✓
✓
✓
✓
• Account Management and
Implementation Services
✓
✓
✓
✓
• Online Billing and Payment
✓
• Managers’ Disability Toolkit SM
✓
✓
✓
✓
• 24-month, 100% Replacement
Work Incentive Benefit
✓
✓
✓
✓
• No Adjustment for Pre-Tax
Employee Contributions
✓
✓
✓
✓
• No Limit on Return-to-Work Days
During Benefit Waiting Period
✓
✓
✓
✓
• No Mental Illness Limitation
(Standard 24 months for LTD)
✓
✓
✓
✓
✓
✓
✓
✓
Claim Reporting includes:
Client Support Services:
Contract Provisions:
Additional Services:
• Coordination with Disability and
Workers’ Compensation (IDM)
• California Voluntary Plan (SDI Opt - Out Services)
✓
CIGNA Group Insurance products and services are provided through underwriting subsidiaries of CIGNA
Corporation, including Life Insurance Company of North America and CIGNA Life Insurance Company of
New York. "CIGNA" and "CIGNA Group Insurance" are registered service marks and are used to refer to
these subsidiaries. FMLA/leave of absence administrative services are provided under a proprietary agreement with Sykes HealthPlan Service Bureau, Inc. (SHPS, Inc.). Certain California VDI administrative
services are provided by Innovated Care Solutions (ICS). CIGNA Behavioral Health and Intracorp services
are provided independently by those operating subsidiaries of CIGNA Corporation.
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