Cigna 2011 Annual Report Download - page 15

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Cigna Group Disability and Life is one of the top
providers of group disability, life and accident coverage
in the United States. Through its subsidiaries, Cigna
Group Disability and Life Insurance oers a variety of
programs and services to help employees stay healthy
and on the job. When a disability does occur, Cigna
Group Disability and Life Insurance delivers thorough,
fast, ecient claim service and eective support
programs that help employees return to work quickly
and safely. Cigna Group Disability and Life Insurance’s
disability programs are designed to help improve
employee productivity and lower employers’ overall
absence costs.
Cigna Group Disability and Life Insurance’s disability
programs can also be integrated with family
medical and leave-of-absence administration, and
Cigna’s medical, behavioral, pharmacy and health
advocacy programs. Cigna’s research has shown that
integrating disability and health programs can further
improve return-to-work rates and lower medical and
disability costs. All group products are coupled with
comprehensive tools and services for easy benefit
management. These products also come with access to
free will preparation, estate and funeral planning tools,
identity theft resolution services and Cigna’s Healthy
Rewards® program, which oers a variety of discounts
on health and wellness products and services.
Products and Services
 Wide spectrum of insured and self-insured short- and
long-term disability plans and management services
including comprehensive clinical management and
support, stay-at-work and return-to-work support
 Family medical and leave-of-absence management
 Integration of disability services with Cigna
HealthCare and health advocacy programs
 Comprehensive employee assistance programs
available with disability and life products to help people
balance work/life and stay productive
 Group basic term life insurance, group voluntary term
life insurance and group universal life insurance with
will preparation, estate and funeral planning as well as
beneficiary services
 Group basic accidental death and dismemberment
(AD&D) insurance, group voluntary AD&D insurance,
business travel accident insurance and business travel
accident with medical coverage; these products include
travel assistance, identity theft and beneficiary services
 Flexible voluntary enrollment and administrative
solutions for Cigna’s disability, life and accident
products; customized educational tools, personalized
communications, online enrollment, and access to
licensed benefits professionals to help employees enroll
Cigna International, with operations in countries
across Asia-Pacific, Europe, Middle East and North
America, provides access to superior quality health
care and related financial protection products to groups
and individuals around the globe. To individuals, the
organization provides direct-marketed supplemental
health, life and accident insurance and private medical
insurance products and programs in key markets around
the world. For employer groups, Cigna International
oers health care and medical care management
services to cover local employees in key countries and
globally mobile (expatriate) employees on international
assignments virtually anywhere in the world.
Products and Services
 Health, Life, and Accident Insurance: direct-marketed
supplemental health products, such as cash for
hospital stays and critical illness diagnosis; dental;
personal accident; travel, term and variable life
insurance; and credit protection
 Global Health Benefits: medical, dental, behavioral,
vision, pharmacy, personal accident, disability,
business travel and life insurance, as well as wellness
programs for globally mobile employees
 Health Care: medical and related products
provided through employer group benefits
programs in select countries
 Individual Private Medical Insurance: ranging from
surgery, hospital and outpatient coverage for local
citizens to full comprehensive medical coverage for
local and globally mobile individuals