My CIGNA Pension - Obtain increased CIGNA retirement benefits ordered by Supreme Court in Amara v. CIGNA Pension Plan Class Action Lawsuit

Welcome to the CIGNA Pension Plan Class Action Lawsuit site.

November 1, 2021 Update: The Second Circuit Court of Appeals has scheduled oral argument for Monday, November 22, 2021, on the Plaintiffs' appeal that Cigna has not followed the mandate of the Second Circuit to provide full "A+B" relief to the members of this class. The appeal about Cigna's failure to provide an accounting of its implementation of relief will be heard at the same time. Because of Covid-19, the courtroom will unfortunately be closed to the public. Decisions on appeals do not follow a set schedule, but are generally issued within several months of the oral argument.

June 14, 2021 Update: The briefing on the Plaintiffs' appeal of the District Court decisions allowing Cigna to restrict the relief to class members has been completed, along with briefing on a second appeal about the District Court's denial of any accounting concerning Cigna's implementation of the relief. Since the last update, Class counsel have prepared and filed three significant briefs, links to which are provided below:

1) Reply brief in support of Plaintiffs' appeal to reverse Cigna's restrictions on relief (filed 12/14/20),

2) Opening brief by Plaintiffs for an accounting by Cigna of its implementation of relief (filed 2/4/21),

3) Reply brief in support of an accounting by Cigna of its implementation of relief (filed 6/10/21).

The briefing on the accounting includes new evidence about Cigna's restrictions on the relief which became available late last year -- including notices supplied by members of the class through this website. The Second Circuit has consolidated the two appeals and will hear oral arguments on them in the Fall.

June 25, 2020 Update: Two weeks after we filed our opening brief in the Second Circuit, Cigna filed a motion to dismiss on the grounds that it is “too late” to appeal the district court's decisions. We filed our opposition on June 15, 2020, explaining all the reasons why our appeal is timely.

May 31, 2020 Update: On May 19, 2020, Plaintiffs filed their opening brief in support of their appeal to the United States Court of Appeals for the Second Circuit. We are asking the Court of Appeals to send the case back to the District Court with instructions to give "full effect" to the Court of Appeals' outstanding mandate to provide all members of the class with “the full value” of the “A+B” relief, “including early retirement benefits,” the “insulation from interest-rate risk under the Part A plan,” and the use of current mortality factors at retirement age, and not "outdated" factors.

March 12, 2020 Update: Class counsel filed a Notice of Appeal to the Second Circuit on January 15, 2020 to appeal the District Court's recent denials of Plaintiffs' motion to enforce and motion to reconsider, along with the Court's decision in 2017 which adopted Cigna's argument to use higher interest rates that resulted in less "A+B" relief for class members. Plaintiffs' opening brief will be due at the end of April, and briefing is expected to be completed this summer. In the meantime, Cigna is still required to pay the "A+B" remedy amounts that it calculated for each class member. If you are having problems receiving your remedy payments and cannot obtain the help you need from Prudential or Cigna's Plan administrator, please call 1-866-545-7361, email mycignapension@verizon.net, or report your issue online by clicking HERE (opens in a new tab).

August 27, 2019 Update: On August 16, 2019, the Court issued a ruling which denied Plaintiffs' motion to enforce the Court's orders regarding Cigna's under-calculation of "A+B" relief payments, including early retirement benefits. Class counsel were disappointed with the Court’s ruling and promptly filed a motion to reconsider.

May 15, 2019 Update: On April 5, 2019, Class counsel filed a motion asking the Court to order Cigna to pay the full amount of the “A+B” relief to class members in accordance with the Court's rulings on calculating the relief payments. Class counsel also asked the Court to sanction Cigna for calculating the remedy payments based on its own “Company interpretation” of the Court’s orders and in violation of its fiduciary duty to the class. Briefing on this motion was completed on May 10, 2019. Please note that your telephone calls, emails, and online reports about problems you have had with Prudential or Cigna have been very helpful to Class counsel in reporting to the Court. If you continue to have problems receiving your remedy payments and cannot obtain the help you need from Prudential or Cigna’s Plan administrator, please call 1-866-545-7361, email mycignapension@verizon.net, or report your issue online by clicking HERE.

February 22, 2019 update: Additional FAQs about increased retirement benefits are now available. Scroll down or click for FAQs.

INDIVIDUAL BENEFIT STATEMENTS ARE NOW ONLINE!
To obtain your individual benefit statement showing the relief you are entitled to from this lawsuit, please click HERE. The statements include the remedy amounts calculated by Class counsel in compliance with the relief methodology ordered by the Court, and also show the remedy amounts calculated by Cigna. Please be advised that Cigna is still not cooperating with Class counsel in calculating the relief amounts (Cigna�s amounts are generally lower) or in implementing the payments.

The Court has set a deadline of January 28, 2019 for Cigna to mail its notices of the increased benefit amounts to the class and has ordered Cigna to pay any past-due lump sums and back benefits no later than February 28, 2019. Please call Prudential Retirement at 1-833-886-6703 if you have any problems receiving your remedy payment (refer to the �Cigna Plan� to reach an appropriate representative). If Prudential does not address your problem, you may contact Cigna�s Plan Administrator, Jill Vaslow, at planadministrator@cigna.com or 1-855-846-0164. As a last resort, please report any issue to the Amara v. Cigna Pension Hotline that Class counsel have set up, by calling 1-866-545-7361 or emailing mycignapension@verizon.net. NEW – You can also report your issue online by clicking HERE.

Click for lawsuit updates prior to December, 2018

FREQUENTLY ASKED QUESTIONS ABOUT THE NOTICE ABOUT INCREASED CIGNA RETIREMENT BENEFITS:

1. When will I receive my CIGNA pension benefit increase?

You should have received a notice from Cigna at the end of January 2019 about your “A+B” retirement benefit as a result of this lawsuit. If your address has changed, you should fill in and submit an Address Verification Form to ensure that you receive notices about the payment of your benefits. You should also contact Prudential Retirement at 1-833-886-6703 to update your records with Cigna (refer to the “Cigna Plan” or provide your Social Security number to speak to an appropriate representative). The Court has ordered Cigna to make all small benefit cashouts and back benefit payments by the end of February.

2. How much will the new CIGNA retirement benefits be?

The increased payments generally fall into three categories depending on if you:

1) Received a lump sum pension benefits distribution in the past. If you received a lump sum pension benefit payment in the past from CIGNA, the amount you received is subtracted from your “A+B” benefit, and you will receive the difference as a monthly payment starting as early as age 55 if you are eligible for early retirement. If the increase is less than $5,000, you will receive a cash lump sum payment.

2) Currently are receiving annuity benefits. If you are currently receiving a monthly pension benefit, you should receive an increased annuity and a “back payment” to account for the benefits you should have been paid since your annuity payments began.

3) Have not received any pension benefits payment in annuity or lump sum form. If you have not started receiving your pension benefits, you are to receive the “A” part of your “A+B” benefit as a monthly payment when you decide to retire, which can be as early as age 55 if you are eligible for early retirement. You can receive the “B” part of your “A+B” benefit at any age as a lump sum or monthly payment.

3. I called Prudential’s number at 1-833-886-6703, but cannot get through. Who do I call?

To speak to someone at Prudential, call 1-833-886-6703 and refer to the “Cigna Plan” or provide your Social Security number to speak to an appropriate representative. If you are an active employee, you can also access the Prudential website through the link on the “Your Cigna Life” (YCL) website. If you still cannot get through to Prudential, please contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com. As a last resort, please contact the Amara v. Cigna Pension Hotline that Class counsel have set up, by calling 1-866-545-7361 or emailing mycignapension@verizon.net.

4. What if I have problems getting my questions answered by Prudential?

If Prudential does not address your problem, you may contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com. As a last resort, please report any issue to the Amara v. Cigna Pension Hotline that Class counsel have set up, by calling 1-866-545-7361 or emailing mycignapension@verizon.net.

5. How do I update my address or my name?

Please contact Prudential Retirement at 1-833-886-6703 to update your name or address records with Cigna (refer to the “Cigna Plan” or provide your Social Security number to speak to an appropriate representative). You should also send a copy of the updated information to Class counsel at mycignapension@verizon.net.

6. I believe I’m a member of this class, but I can’t log in on www.mycignapensionrelief.com to get my benefit statement.

The class includes former and current CIGNA employees who participated in the Cigna Pension plan before and after January 1, 1998. If you began working for Cigna after January 1, 1998, or if you terminated employment before 1998, you would not be a member of the class. In addition, some employees who were hired before January 1989 and whose age and service added up to at least 45 on January 1, 1998 were “grandfathered” into the old plan and were not affected by the cash balance changes that occurred in 1998.

If you believe you meet the criteria to be a class member but still cannot login to the website, please send an email to mycignapension@verizon.net.You should also check with Prudential Retirement at 1-833-886-6703.

7. Cigna calculates a lesser relief amount than Class counsel calculate. What does this mean for me?

Cigna’s relief amounts are generally lower than what Class counsel are calculating. The Court has ordered that Cigna go ahead and pay the lesser amount, but Class counsel will be filing a motion with the Court in early March to require Cigna to pay the full amount. The Court will resolve those differences at a later date. If you have questions about how Cigna calculated its relief amount, you should call Prudential Retirement at 1-833-886-6703. If Prudential does not provide you with the information, please contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com.

8. Why can’t I receive this remedy as a lump sum now, instead of a monthly payment?

Cigna asked that the remedy be paid as a monthly benefit when class members reach retirement, not a lump sum. The Court agreed with Cigna because the old “Part A” pension plan generally only paid monthly benefits. If you have questions or comments about this, you should call Prudential Retirement at 1-833-886-6703. You should also contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com.

9. I haven’t received a pension benefit payment before. What does the relief amount in the notice represent?

The remedy amount is in addition to what you are already entitled to under the cash balance plan. You can contact Prudential Retirement to find out the current amount of your cash balance account.

10. If I accept payment of Cigna’s relief amount, will that affect whether I can receive any additional amount in the future?

No, receiving your remedy payment now will not limit your ability to receive an additional amount later if the Court agrees with Class counsel on the amounts.

11. I’m an active employee. Cigna says that my monthly remedy benefit won’t start until I’m 65, but can I start my benefit at an earlier age?

If you meet the criteria for early retirement eligibility, you can retire as early as age 55, although age 60 is generally the more valuable to begin except for people who were hired before 1989. To find out whether you’re eligible to retire early, and how much your monthly remedy benefit would be at an earlier age, you should contact Prudential Retirement at 1-833-886-6703. If Prudential won’t provide you the information, please contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com.

12. I’m eligible for early retirement, but Cigna says I can’t start my monthly remedy until I take a distribution of my "Part B" cash balance account. What can I do?

If you cannot start your monthly benefit until you’ve taken a Part B lump sum distribution, class members eligible to retire as early as 55 could lose out on their early retirement payments. Class counsel have disputed Cigna’s position and will raise this issue with the Court in early March. You can also voice your concern to Prudential Retirement at 1-833-886-6703 and to Cigna’s Plan Administrator at 1-855-846-0164 or by emailing planadministrator@cigna.com.

13. I obtained my benefit statement or received a letter, but it says I’m not entitled to relief because I’m not vested.

Cigna made a determination that you are not vested and therefore are ineligible for relief. Class counsel are not currently challenging that determination if it appears to be correct based on the records that Cigna provided. But you may have information about your employment that is different from the records Cigna provided. You should call Prudential Retirement at 1-833-886-6703 if you want to contest Cigna’s determination that you are not vested.

14. My benefit statement or letter says I’m ineligible because I’m not vested, but I am sure I was vested.

Cigna generally made the determination that people are ineligible because they were “not vested.” Cigna’s records could be incomplete. There are also some groups of people who are ineligible for other reasons. For example, employees who were rehired after 2000 already receive their benefits under an “A+B” formula and are not entitled to additional relief from this case. Other employees did not participate in Cigna’s old pension plan before 1998 because they worked for other companies during that period, including, for example, Lovelace or Healthsource. If you have questions about your eligibility, or want to contest Cigna’s determination that you are not eligible for relief, you should call Prudential Retirement (refer to the “Cigna Plan” or provide your Social Security number). Please send an email to mycignapension@verizon.net informing Class counsel that you are doing so.

15. My benefit statement or letter says Class counsel calculated a relief amount for me, but Cigna says I’m not entitled to relief because I’m not vested. Who is right?

Class counsel have calculated the relief you should receive from this lawsuit, but Cigna contends you are not eligible because you are not vested. Class counsel have determined that you should vested based on the records that Cigna provided. Class counsel will ask the Court to resolve this dispute as part of our motion to the Court in March.

16. My benefit statement or letter says Class counsel calculated a relief amount for me, but Cigna says I’m not entitled to relief because I’m a former Intracorp employee. Who is right?

Class counsel have calculated the relief you should receive from this lawsuit, but Cigna contends you are not eligible because Intracorp employees were not part of Cigna at the end of 1997. Class counsel say that after Intracorp and Cigna merged, Intracorp and Cigna became one company and that the retirement benefits Intracorp employees were subjected to the same unfavorable treatment as other Cigna employees. Class counsel will ask the Court to resolve this dispute as part of our motion to the Court in March.

17. What if I’m entitled to “non-qualified” benefits under Cigna’s Supplemental Plan?

The remedy amounts were calculated based on your “qualified” benefits under Cigna’s Part A and Part B Pension Plans. You are separately entitled to “non-qualified” benefits under Cigna’s Supplemental Pension Plan. You should call Prudential Retirement at 1-833-886-6703 to ask about the additional amount you are due under the Supplemental Plan.




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			Welcome to the CIGNA Pension Plan Class Action Lawsuit site. November 1, 2021 Update: The Second Circuit Court of Appeals has scheduled oral argument for Monday, November 22, 2021, on the Plaintiffs' appeal that Cigna has not followed the mandate of the Second Circuit to provide full "A+B" relief to the members of this class. The appeal about Cigna's failure to provide an accounting of its implementation of relief will be heard at the same time. Because of Covid-19, the courtroom will unfortunately be closed to the public. Decisions on appeals do not follow a set schedule, but are generally issued within several months of the oral argument. June 14, 2021 Update: The briefing on the Plaintiffs' appeal of the District Court decisions allowing Cigna to restrict the relief to class members has been completed, along with briefing on a second appeal about the District Court's denial of any accounting concerning Cigna's implementation of the relief. Since the last update, Class counsel have prepared and filed three significant briefs, links to which are provided below: 1) Reply brief in support of Plaintiffs' appeal to reverse Cigna's restrictions on relief (filed 12/14/20), 2) Opening brief by Plaintiffs for an accounting by Cigna of its implementation of relief (filed 2/4/21), 3) Reply brief in support of an accounting by Cigna of its implementation of relief (filed 6/10/21). The briefing on the accounting includes new evidence about Cigna's restrictions on the relief which became available late last year -- including notices supplied by members of the class through this website. The Second Circuit has consolidated the two appeals and will hear oral arguments on them in the Fall. June 25, 2020 Update: Two weeks after we filed our opening brief in the Second Circuit, Cigna filed a motion to dismiss on the grounds that it is “too late” to appeal the district court's decisions. We filed our opposition on June 15, 2020, explaining all the reasons why our appeal is timely. May 31, 2020 Update: On May 19, 2020, Plaintiffs filed their opening brief in support of their appeal to the United States Court of Appeals for the Second Circuit. We are asking the Court of Appeals to send the case back to the District Court with instructions to give "full effect" to the Court of Appeals' outstanding mandate to provide all members of the class with “the full value” of the “A+B” relief, “including early retirement benefits,” the “insulation from interest-rate risk under the Part A plan,” and the use of current mortality factors at retirement age, and not "outdated" factors. March 12, 2020 Update: Class counsel filed a Notice of Appeal to the Second Circuit on January 15, 2020 to appeal the District Court's recent denials of Plaintiffs' motion to enforce and motion to reconsider, along with the Court's decision in 2017 which adopted Cigna's argument to use higher interest rates that resulted in less "A+B" relief for class members. Plaintiffs' opening brief will be due at the end of April, and briefing is expected to be completed this summer. In the meantime, Cigna is still required to pay the "A+B" remedy amounts that it calculated for each class member. If you are having problems receiving your remedy payments and cannot obtain the help you need from Prudential or Cigna's Plan administrator, please call 1-866-545-7361, email mycignapension@verizon.net, or report your issue online by clicking HERE (opens in a new tab). August 27, 2019 Update: On August 16, 2019, the Court issued a ruling which denied Plaintiffs' motion to enforce the Court's orders regarding Cigna's under-calculation of "A+B" relief payments, including early retirement benefits. Class counsel were disappointed with the Court’s ruling and promptly filed a motion to reconsider. May 15, 2019 Update: On April 5, 2019, Class counsel filed a motion asking the Court to order Cigna to pay the full amount of the “A+B” relief to class members in accordance with the Court's rulings on calculating the relief payments. Class counsel also asked the Court to sanction Cigna for calculating the remedy payments based on its own “Company interpretation” of the Court’s orders and in violation of its fiduciary duty to the class. Briefing on this motion was completed on May 10, 2019. Please note that your telephone calls, emails, and online reports about problems you have had with Prudential or Cigna have been very helpful to Class counsel in reporting to the Court. If you continue to have problems receiving your remedy payments and cannot obtain the help you need from Prudential or Cigna’s Plan administrator, please call 1-866-545-7361, email mycignapension@verizon.net, or report your issue online by clicking HERE. February 22, 2019 update: Additional FAQs about increased retirement benefits are now available. Scroll down or click for FAQs. *INDIVIDUAL BENEFIT STATEMENTS ARE NOW ONLINE!* To obtain your individual benefit statement showing the relief you are entitled to from this lawsuit, please click HERE. The statements include the remedy amounts calculated by Class counsel in compliance with the relief methodology ordered by the Court, and also show the remedy amounts calculated by Cigna. Please be advised that Cigna is still not cooperating with Class counsel in calculating the relief amounts (Cigna�s amounts are generally lower) or in implementing the payments. The Court has set a deadline of January 28, 2019 for Cigna to mail its notices of the increased benefit amounts to the class and has ordered Cigna to pay any past-due lump sums and back benefits no later than February 28, 2019. Please call Prudential Retirement at 1-833-886-6703 if you have any problems receiving your remedy payment (refer to the �Cigna Plan� to reach an appropriate representative). If Prudential does not address your problem, you may contact Cigna�s Plan Administrator, Jill Vaslow, at planadministrator@cigna.com or 1-855-846-0164. As a last resort, please report any issue to the Amara v. Cigna Pension Hotline that Class counsel have set up, by calling 1-866-545-7361 or emailing mycignapension@verizon.net. NEW – You can also report your issue online by clicking HERE. Click for lawsuit updates prior to December, 2018 FREQUENTLY ASKED QUESTIONS ABOUT THE NOTICE ABOUT INCREASED CIGNA RETIREMENT BENEFITS: 1. When will I receive my CIGNA pension benefit increase? You should have received a notice from Cigna at the end of January 2019 about your “A+B” retirement benefit as a result of this lawsuit. If your address has changed, you should fill in and submit an Address Verification Form to ensure that you receive notices about the payment of your benefits. You should also contact Prudential Retirement at 1-833-886-6703 to update your records with Cigna (refer to the “Cigna Plan” or provide your Social Security number to speak to an appropriate representative). The Court has ordered Cigna to make all small benefit cashouts and back benefit payments by the end of February. 2. How much will the new CIGNA retirement benefits be? The increased payments generally fall into three categories depending on if you: 1) Received a lump sum pension benefits distribution in the past. If you received a lump sum pension benefit payment in the past from CIGNA, the amount you received is subtracted from your “A+B” benefit, and you will receive the difference as a monthly payment starting as early as age 55 if you are eligible for early retirement. If the increase is less than $5,000, you will receive a cash lump sum payment. 2) Currently are receiving annuity benefits. If you are currently receiving a monthly pension benefit, you should receive an increased annuity and a “back payment” to account for the benefits you should have been paid since your annuity payments began. 3) Have not received any pension benefits payment in annuity or lump sum form. If you have not started receiving your pension benefits, you are to receive the “A” part of your “A+B” benefit as a monthly payment when you decide to retire, which can be as early as age 55 if you are eligible for early retirement. You can receive the “B” part of your “A+B” benefit at any age as a lump sum or monthly payment. 3. I called Prudential’s number at 1-833-886-6703, but cannot get through. Who do I call? To speak to someone at Prudential, call 1-833-886-6703 and refer to the “Cigna Plan” or provide your Social Security number to speak to an appropriate representative. If you are an active employee, you can also access the Prudential website through the link on the “Your Cigna Life” (YCL) website. If you still cannot get through to Prudential, please contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com. As a last resort, please contact the Amara v. Cigna Pension Hotline that Class counsel have set up, by calling 1-866-545-7361 or emailing mycignapension@verizon.net. 4. What if I have problems getting my questions answered by Prudential? If Prudential does not address your problem, you may contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com. As a last resort, please report any issue to the Amara v. Cigna Pension Hotline that Class counsel have set up, by calling 1-866-545-7361 or emailing mycignapension@verizon.net. 5. How do I update my address or my name? Please contact Prudential Retirement at 1-833-886-6703 to update your name or address records with Cigna (refer to the “Cigna Plan” or provide your Social Security number to speak to an appropriate representative). You should also send a copy of the updated information to Class counsel at mycignapension@verizon.net. 6. I believe I’m a member of this class, but I can’t log in on www.mycignapensionrelief.com to get my benefit statement. The class includes former and current CIGNA employees who participated in the Cigna Pension plan before and after January 1, 1998. If you began working for Cigna after January 1, 1998, or if you terminated employment before 1998, you would not be a member of the class. In addition, some employees who were hired before January 1989 and whose age and service added up to at least 45 on January 1, 1998 were “grandfathered” into the old plan and were not affected by the cash balance changes that occurred in 1998. If you believe you meet the criteria to be a class member but still cannot login to the website, please send an email to mycignapension@verizon.net.You should also check with Prudential Retirement at 1-833-886-6703. 7. Cigna calculates a lesser relief amount than Class counsel calculate. What does this mean for me? Cigna’s relief amounts are generally lower than what Class counsel are calculating. The Court has ordered that Cigna go ahead and pay the lesser amount, but Class counsel will be filing a motion with the Court in early March to require Cigna to pay the full amount. The Court will resolve those differences at a later date. If you have questions about how Cigna calculated its relief amount, you should call Prudential Retirement at 1-833-886-6703. If Prudential does not provide you with the information, please contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com. 8. Why can’t I receive this remedy as a lump sum now, instead of a monthly payment? Cigna asked that the remedy be paid as a monthly benefit when class members reach retirement, not a lump sum. The Court agreed with Cigna because the old “Part A” pension plan generally only paid monthly benefits. If you have questions or comments about this, you should call Prudential Retirement at 1-833-886-6703. You should also contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com. 9. I haven’t received a pension benefit payment before. What does the relief amount in the notice represent? The remedy amount is in addition to what you are already entitled to under the cash balance plan. You can contact Prudential Retirement to find out the current amount of your cash balance account. 10. If I accept payment of Cigna’s relief amount, will that affect whether I can receive any additional amount in the future? No, receiving your remedy payment now will not limit your ability to receive an additional amount later if the Court agrees with Class counsel on the amounts. 11. I’m an active employee. Cigna says that my monthly remedy benefit won’t start until I’m 65, but can I start my benefit at an earlier age? If you meet the criteria for early retirement eligibility, you can retire as early as age 55, although age 60 is generally the more valuable to begin except for people who were hired before 1989. To find out whether you’re eligible to retire early, and how much your monthly remedy benefit would be at an earlier age, you should contact Prudential Retirement at 1-833-886-6703. If Prudential won’t provide you the information, please contact Cigna’s Plan Administrator, Jill Vaslow, at 1-855-846-0164 or by emailing planadministrator@cigna.com. 12. I’m eligible for early retirement, but Cigna says I can’t start my monthly remedy until I take a distribution of my "Part B" cash balance account. What can I do? If you cannot start your monthly benefit until you’ve taken a Part B lump sum distribution, class members eligible to retire as early as 55 could lose out on their early retirement payments. Class counsel have disputed Cigna’s position and will raise this issue with the Court in early March. You can also voice your concern to Prudential Retirement at 1-833-886-6703 and to Cigna’s Plan Administrator at 1-855-846-0164 or by emailing planadministrator@cigna.com. 13. I obtained my benefit statement or received a letter, but it says I’m not entitled to relief because I’m not vested. Cigna made a determination that you are not vested and therefore are ineligible for relief. Class counsel are not currently challenging that determination if it appears to be correct based on the records that Cigna provided. But you may have information about your employment that is different from the records Cigna provided. You should call Prudential Retirement at 1-833-886-6703 if you want to contest Cigna’s determination that you are not vested. 14. My benefit statement or letter says I’m ineligible because I’m not vested, but I am sure I was vested. Cigna generally made the determination that people are ineligible because they were “not vested.” Cigna’s records could be incomplete. There are also some groups of people who are ineligible for other reasons. For example, employees who were rehired after 2000 already receive their benefits under an “A+B” formula and are not entitled to additional relief from this case. Other employees did not participate in Cigna’s old pension plan before 1998 because they worked for other companies during that period, including, for example, Lovelace or Healthsource. If you have questions about your eligibility, or want to contest Cigna’s determination that you are not eligible for relief, you should call Prudential Retirement (refer to the “Cigna Plan” or provide your Social Security number). Please send an email to mycignapension@verizon.net informing Class counsel that you are doing so. 15. My benefit statement or letter says Class counsel calculated a relief amount for me, but Cigna says I’m not entitled to relief because I’m not vested. Who is right? Class counsel have calculated the relief you should receive from this lawsuit, but Cigna contends you are not eligible because you are not vested. Class counsel have determined that you should vested based on the records that Cigna provided. Class counsel will ask the Court to resolve this dispute as part of our motion to the Court in March. 16. My benefit statement or letter says Class counsel calculated a relief amount for me, but Cigna says I’m not entitled to relief because I’m a former Intracorp employee. Who is right? Class counsel have calculated the relief you should receive from this lawsuit, but Cigna contends you are not eligible because Intracorp employees were not part of Cigna at the end of 1997. Class counsel say that after Intracorp and Cigna merged, Intracorp and Cigna became one company and that the retirement benefits Intracorp employees were subjected to the same unfavorable treatment as other Cigna employees. Class counsel will ask the Court to resolve this dispute as part of our motion to the Court in March. 17. What if I’m entitled to “non-qualified” benefits under Cigna’s Supplemental Plan? The remedy amounts were calculated based on your “qualified” benefits under Cigna’s Part A and Part B Pension Plans. You are separately entitled to “non-qualified” benefits under Cigna’s Supplemental Pension Plan. You should call Prudential Retirement at 1-833-886-6703 to ask about the additional amount you are due under the Supplemental Plan.