I faced many denials/appeals for my initial application for LTD benefits through cigna.I prevailed and received four yrs back payments and four more yrs. I was sent to an IME after I disagreed with my worker compensation offset. cigna terminated my benefit using the ime and their internal machine. i obtained an attorney. we appealed but cigna failed to even respond to the appeal. so I sued in federal court. cigna objects to the new york jurisdiction. we won the right to discovery recently.