S.T.
I work in this field as a consultant to employers. Assuming you've sent in your receipts before and you know what you're doing, Cigna' hasn't reimbursed you becuase your employer probably hasn't funded the account yet. CIgna won't tell you that because they are contracted by your employer and they don't want to piss them off. I see this situation frequently.
How it works is that the money comes out of your pay and your payroll or HR dept runs a report that shows how much money they have to deposit into the account. The company that administers your FSA, in this case Cigna, also send a report to your employer of the dollar amount of claims that have to be funded. This is a busy time of year becuase a lot of people hold their claims and submit them all at the end of the year so they can get a nice big check. I'm guessing that Cigna's report of the money needed to pay the FSA claims is probably higher than it's been the rest of the year.
I suggest you go to the director of HR - be very frank - tell him your day care provider is threatening to withdraw your daughter unless they get paid, and since you're having the money come out of your pay you can't afford to also pay the daycare people and you really need your FSA reimbursement. Tell him that a friend told you abaout how this work with the account funding information and see what his response is. Ask if the HR director or finance VP at your company would be willing to call your daycare provider and explain?
Good luck mama. Its a tough financial situation these days and it's not going to get better any time soon with the fiscal cliff looming...
