I paid for long-term disability insurance on my job for at least 4 years and when I became disabled my long term benefit went from 1560 monthly to 326 methyl. I paid for this coverage preparing for the future, how can Cigna just decide what I should receive. This information was not given to employees in the initial sign up for the LTD coverage. I paid for the insurance the same as social security was deducted each pay period.