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Prepare the letter of instruction Cigna requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
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Which institution holds the account, and the capacity you are writing in.
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Send it to Cigna's estate/claims department: New York Life Group Benefit Solutions, Paper Intake Team, P.O. Box 709015, Dallas, TX 75370-9015. You can reach the department at 1-888-842-4462.
Cigna lists these among its required documents: Certified death certificate (original or certified copy); Completed claim form (provided by New York Life GBS or Cigna); Policy or certificate number and employer/group name; Deceased employee's full legal name, date of birth, Social Security number, and date of death. The prepared letter includes an enclosure checklist drawn from Cigna's recorded requirements.
Claims are typically processed within 5-10 business days after receipt of all required documentation. Beneficiaries receiving payments of $5,000 or more from New York Life GBS gain access to a Survivor Assurance interest-bearing account plus counseling and financial support services.
Cigna provides its own letter-of-instruction form. We complete that official form with your information; you print, sign, and send it.
It depends on the capacity you are acting in. An executor or administrator encloses Letters Testamentary (when there is a will) or Letters of Administration (when there is not); a successor trustee encloses a certificate of trust; a successor under a small estate encloses that state’s small estate affidavit. The prepared letter lists the proof-of-authority document for your role alongside the institution’s required documents.
A letter of instruction is the written request an institution asks for when settling a deceased customer’s account. It identifies the decedent and the account, states the capacity you are acting in, and tells the institution what to do with the account.
