Open Enrollment


Cigna Disability

Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t be long at all: 7 in 10 working Americans couldn’t make it a month before financial difficulties would set in, and one in four would have problems immediately, according to a Life Happens survey.¹

The Cigna Disability Income Protection Plan is a fully insured disability policy that can help protect your income — and your family’s lifestyle — in the event you are unable to work due to a covered accident or sickness. This Plan is offered only to State of Florida full-time employees in participating agencies and pays in addition to annual leave and sick leave benefits. It offers you the ability to choose a plan that fits your financial situation and is an important part of your employee benefits package. Review the chart on page 7 and determine the group that you are eligible for based on your salary, or you may select a lower group for a shorter elimination period and lower benefit amount.

ELIGIBILITY

All active, permanent employees under the age of 70 who work 30 or more hours per week in an agency participating in this Plan are eligible. Spouses and dependents are ineligible.

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HOW TO FILE A CLAIM

  1. Claim forms can be obtained online at www.capitalins.com/forms, from your local Capital Representative or call 1-800-780-3100.
  2. Complete all parts of the claim form, including having your physician and employer complete their portions.
  3. Mail the claim to the address on top the form.