My wife purchased disability insurance from her employer. She became ill and no one could give her a diagnosis. That's when it all began. She was told that since no one could diagnosis her, they would not pay. After being out of work for seven months, with no income what so ever, she was still denied payment of benefits .Even though she was eventually diagnosed with Lupus two months before her last rejection of disability benefits. Cigna insurance owes my wife $6,000 and refuses to pay.