i was put out of work in jan 2009 and have had a ongoing problem with this company. it is always they didn't receive paperwork or they don't have enough information on a case that is self explanatory and has not changed. recently we were told it was in review and a check would be in the mail this week due to condition not changed however everyday i called and talked to them it was it is still in review. now it is the nurse never did it and is being sent to their doctor. to begin with, it is unbelievable a Nurse calls the shots on who is eligible over a doctor statement that puts a patient out. if i remember right a doctor's schooling is alot longer than a nurse. a never have i worked as a nurse and we decided the doctor's statements, records, etc where overlooked by us. my husband has had to cancel 2 appointments with his neurologist due to the delay in checks. he has been unable to get medications, we are about to have utilities turned off due to arrangements unable to be met due to the delay in checks, we have lost our transportation, we are lucky to eat once a day. need i go on this company has caused us severe problems and if any employer tells you they are getting this insurance i would think twice of getting it. health problems that occur overnight is hard enough to deal with yet alone a company you think will help on some of the burden is totally devastating.