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COVID-19 Coronavirus Updates and Guidance

The County is taking a number of actions to keep residents safe and minimize the spread of COVID-19. Find status information for County operations and services.

Voluntary Long-Term Disability Insurance 

Benefit-eligible employees have access to Cigna’s Voluntary Long-Term Disability (LTD) Insurance, which provides income protection for unexpected events through a 100 percent employee-paid premium. For many families, every paycheck counts. Have you ever worried what would happen to your bills, your savings and your lifestyle if you couldn’t work? Cigna’s Voluntary LTD Insurance provides income protection for those unexpected events.

Employees who are absent from work for 90 consecutive days for an illness or injury may submit a claim for LTD benefits. You are not required to exhaust your accrued leave before applying.

If the claim is approved, 60 percent of your gross monthly base salary (up to $7,500) will be paid when you become disabled and can’t work for a period of time due to a covered illness or injury. Payments come directly to you or someone you designate, and can be spent any way you like, either for planned expenses, such a groceries, mortgage or utilities, or unplanned expenses like medical bills. Use Cigna's online Disability Income Needs Calculator to help you evaluate your income protection needs​.


The Cigna LTD 100 percent employee-paid rates are as follows:
  • Monthly rate per $100: $0.632
  • Biweekly (26 pays) rate per $100: $0.2917

Below is an example of how to calculate the biweekly rate per pay:

  1. Calculate your monthly salary. (Example: $3,000)
  2. Divide by $100. (Example: $30)
  3. Multiply by .2917. (Example: $8.75 per pay)

How to File a Claim

You can file your claim by phone or online.

By Phone

Speak to a representative toll-free by calling 888-36-Cigna (24462).


Fill out an online claim form by following the steps below if you have Cigna health insurance:

  1. Log in to
  2. Select Coverage.
  3. Select Disability/Leave of Absence.
  4. Select Submit a Disability Claim.

If you do not have Cigna health insurance:

  1. Visit Cigna's Customer Forms page.
  2. Select Disability/Accident/Life/Critical Illness/Hospital Care Forms.
  3. Select Submit a Disability Claim, which will bring you to the Fraud Warning page.
  4. Review and select Continue at the bottom of the page.
  5. A pop-up box will appear that says "Hit the continue button if you have read the above fraud language and wish to continue to file a claim.”
  6. Select Continue.
  7. Select Submit a disability claim online to begin.

How to Enroll

Eligible employees may enroll in Voluntary Long-Term Disability online through Employee Self Service. New employees that would like to enroll may do so within the first 31 days of hire. Evidence of insurability is required for those who do not enroll within their first 31 days of hire.

Bonus Services for Approved Participants

With your Cigna plan, you and your household members have access to a suite of programs and services for use at any time at no additional cost.

  • Work WellnessCigna's Work Wellness website is a valuable resource to learn about disability, staying healthy at work, returning to work and programs for healthy living.
  • My Secure Advantage—Customers on approved disability and their household members have access to expert money coaching for all types of financial planning and challenges.
  • Healthy RewardsCigna’s Healthy Rewards program can help with discounts on a wide variety of health and wellness programs and services. Visit the website and use the password: savings, or call 1-800-258-3312 to get information on participating providers and save on the programs that are right for you.
  • Will Preparation—Learn more about the resources available through Cigna's Will Center that can help you with will preparation, estate planning and funeral planning. 
  • Identity Theft Program—The Identity Theft program provides tools and guidance to help with prevention, detection and resolution. If you suspect you might be a victim of identity theft, call 1-888-226-4567 to speak to a personal case manager. Please indicate that you are a member of the Cigna Identity Theft Program Group 57.

Contact Cigna

Call 1-888-36-Cigna (24462) to speak with a customer service representative or chat live with a representative on

Revised January 13, 2021         


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