What Happens to Your Cigna Account When You Die
Quick Facts
Phone
1-800-244-6224
Deadline
60 days for COBRA election
Action
Notify of death, elect COBRA
Step-by-Step Guide
Elect COBRA within 60 days
Contact Cigna at 1-800-244-6224 to notify them of the policyholder's death. Ask about COBRA continuation coverage for surviving family members — the 60-day election deadline is firm.
Estimated time: 30 min
Settle open claims
Ensure all pending claims are processed. Submit the death certificate if Cigna requires it for claim settlement.
Check for supplemental benefits
Review the policy for any supplemental life insurance, disability, or accidental death riders that may provide additional payouts.
Cancel or modify coverage
Once COBRA decisions and claims are finalized, cancel the policy or adjust coverage for remaining dependents.
Document Now Checklist
- Cigna policy number
- Member ID
- Group number
- Phone number: 1-800-244-6224
- Covered dependents
- COBRA election deadline date
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Cigna. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
MyChart / Patient Portals
Document all doctors, hospitals, and patient portal accounts.
Health Insurance
Dependents on your health plan lose coverage when the primary holder dies. They have a 60-day special enrollment period to find new coverage.
Medicare
Note your Medicare number, Part A/B/C/D enrollment status, and any Medigap/supplement plan.
Protect your Cigna account — and all your others
Document your digital life in a zero-knowledge encrypted vault. 1,800+ platform guides. Dead Man's Switch. Everything your family needs.
Start your free trial →