ABC news coverage of Cigna

After exposing Hartford denial of claims based on twisted logic, ABC details the story of disability insurance claimants from Cigna
"They did agree to a non-recorded phone call with their chief medical officer and gave us a written statement which said Cigna pays 90 percent of their claims and that a majority of their clients are satisfied."

We wonder how can one verify this claim. Are these STD or LTD claims or both? What percentage of them is ERISA and what percentage private?

"Cigna wouldn't talk to us about Kristoff's case, but the insurance trade group, America's Health Insurance Plans, said cases like hers were the exception, not the rule."

If so, then why is the insurance industry not willing to come forward and disclose the statistics of their rate of denial (particularly for group insurance policies ) on paper to their potential customers. Surely, that is a very important way that a customer can evaluate if spending her money on disability insurance is worth it.

Senator Max Baucus takes cognizance of the inequity in ERISA disabiliy insurance

Full story here.
You can use websites like www.congress.org to send a mail to the lawmakers representing your area.  As mentioned earlier in the blog, sweeping changes to legislation are a difficult task given the lobbying dollars and the reach of  the insurance companies. Let us at least take baby steps by requesting the law makers to "require insurance companies to make full disclosure about the statistics of their approval / denial rates to their potential customers in the policy document"

Feedback from readers of this blog is welcome.

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View investigative reports by ABC news and NBC dateline from the links to the website. Join the fight and make your voice heard