Look at the policy and see if CIGNA has a right to claim this offset. Most LTD policies want you to apply for SSD because they end up paying you less.
It does not hurt to talk with a local attorney about this.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.