How to file a claim

Claims should be filed with the claims administrator
control room

When you suffer a disability that is expected to continue for more than six months, you must notify:

  • Your supervisor immediately.
  • Cigna during the fourth month of your disability by:
    • Calling 1-800-362-4462.
    • Submitting your claim online at

A Cigna representative will handle your claim for benefits over the phone. After you provide your basic medical and employment information to the Cigna representative, you will be assigned a case manager to help you through the LTD benefits claim-filing process.

You must provide Cigna with proof of disability within 180 days of the date your disability begins. If you miss this deadline, your claim for benefits may still be considered if it can be shown that proof of disability was provided as soon as reasonably possible. Cigna will not consider any proof of disability provided more than one year after the end of the 180-day period. These time limits do not apply if you lack the legal capacity to make the claim for benefits. 

Cigna will determine whether the proof of disability you have provided substantiates your inability to perform the duties of your job as performed at BP. Periodically, Cigna may ask you to provide additional proof that you are still disabled. Cigna may also ask you to be examined by a doctor who is designated by Cigna. 

As often as it may reasonably require, Cigna has the right to examine any person, at its own expense, for whom a claim for benefits is pending or approved.

Because BP pays the full cost of your basic LTD coverage, benefit payments are considered taxable income and are subject to federal and state income taxes. Withholding is not mandatory. To have these taxes withheld from your LTD payments, submit a W-4S form (federal) and a state income tax voluntary withholding request form to Cigna. Call the BP HR & Benefits Center to request these forms and Cigna for instructions on submitting them.

Need help with claims issues?

The Advocacy Service is available to help you with issues regarding claims and appeals.

You must make at least one attempt to contact and resolve your issues directly with the appropriate claims administrator before contacting the Advocacy Service. To reach the Advocacy Service, call the BP HR & Benefits Center.

Keep in mind that your issues may not necessarily be resolved in your favor, as the terms of the plan will apply in all situations.


Publication date: April 2019


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