[Sheila]

I just felt the need to chime in here, as I was just reorganizing all my paperwork from back in 2003 when I did this. I also paid a high premium with my company for the supplemental short and long term disability insurance. I worked for a worldwide construction company called Bechtel. The insurance was through Cigna. After being on short term disability for almost 6 months, and getting ready to roll into long term disability, Cigna demanded that I apply for Social Security Disability. I did and was awarded SSD without any problems. The long term disability would then pay the difference between what SSD paid and the amount that would equal 66.666% of my income. This all osunded too good....well after receiving 2 SSD checks, and the difference from Cigna, they decided I was no longer disabled. They stopped all payments, and my combined income went from almost 3000.00 permonth, to 1258.00. ..During this time I was recovering from surgery, in chemo, its like they waited until they knew you didnt have the strength to fight. It would have meant getting a lawyer, then they get a share of any money awarded....alot of headaches. Just a warning, if you have CIGNA insurance for disability, beware! They did a special on them on Good Morning America a while back, and it was my story to a T. They hope you will die fighting them, so they never have to pay!
That was 6 years ago, and I am just fine with the 1587.00 a month I now get from SSD ...I became eligible for edicare, but I only take the part that is free, so I am not paying 120.00 per month for the other that I dont need. I finally figured that if a company like CIGNA needs the money that bad..they can have it....maybe they would like the cancer to go along with it!