Leah and Dinkly, You have given me the courage to go forward and appeal Cigna's decision (unless i have to hire an attorney and if it's too expensive to appeal). In that case. I don't know. But, yes it is comforting to know that you can relate and care enough to respond. Leah, what is "DHS"? (where you used to work). Dinkly, unfortunately my husband was not with a union. I can't find ANYONE who has kept the Social Security retro payment. Are we the only ones who have ever done that? I keep hoping to find someone who has experienced this and can say "yes, we kept the money and this is what happened". We tried filing bankruptcy. The attorney advised against it because our 'bankruptcy payment' would almost be as high as our normal 'outgoing money' is now. He said it wouldn't help much in our case. ... View related article.
