Using the free PDF editor at FormsPal, you can complete or update the Cigna Beneficiary Designation form online. Follow the steps below to fill out, save, and download your completed PDF form.
Step 1: Click "Get Form" at the top of this page to open the Cigna beneficiary form in FormsPal's PDF editor.
Step 2: Enter your employee and policyholder information in the designated fields. Ensure all names match official records.
Step 3: Complete the Employees Primary Beneficiaries section. For each beneficiary, provide their full name, relationship to employee, Social Security Number, date of birth, and the specific percentage of benefits assigned. Percentages for all primary beneficiaries must total 100%.
Step 4: If you wish to name contingent beneficiaries, complete the Employees Contingent Beneficiaries section with the same required details. Contingent beneficiaries receive the benefits only when all primary beneficiaries are unavailable.
Step 5: Review the Community Property Laws section. If you live in a community property state and are naming someone other than your spouse as a beneficiary, your spouse must sign the form in the specific area provided.
Step 6: Review all information, sign the form, and click "Done." Download the completed PDF or save it to your FormsPal account for future updates. FormsPal does not share any information you enter while using forms on this site.
Common Questions about the Cigna Beneficiary Designation Form
Who can I name as a beneficiary on the Cigna Beneficiary Designation form?
You may designate any person, trust, or organization as a beneficiary. Common choices include a spouse, child, parent, or sibling. If you name a minor as a beneficiary, Cigna recommends naming a legal guardian or setting up a trust to manage the proceeds, since minors cannot directly receive insurance benefits under most state laws.
What is the difference between a primary and contingent beneficiary?
A primary beneficiary is the first in line to receive your Cigna life insurance or accident insurance benefits. A contingent beneficiary receives the benefits only when all primary beneficiaries are unavailable or have predeceased you. Naming a contingent beneficiary ensures your specific wishes are followed in all circumstances.
What happens if I do not submit a Cigna Beneficiary Designation form?
Without a completed beneficiary designation on file, benefit distribution may default to your estate or be governed by state law. This can delay payment and may not reflect your intentions. Submitting the form as a specific request in advance prevents this outcome and protects your loved ones.
When should I update my Cigna beneficiary designation?
Review your beneficiary designations after major life events such as marriage, divorce, the birth of a child, or the death of a named beneficiary. You can request an updated Cigna Beneficiary Designation form through your employer's HR department or use FormsPal's free PDF editor to complete a new form at any time.
For related beneficiary and insurance forms, see the AIG Beneficiary Designation Form, the Unum Beneficiary Designation Form, or the Cigna Appeal Form.