I just went through the same thing with this company. My mother had paid on this policy for years. Upon her death I filed a claim. $18,000 doctors, hospital, treatment bills, was sent a check for $1700. It took forever I sent the claim in in December of 2019 received a check in August of 2020. You can never get the person whose name is on the letters they send you always get a representative and they have no clue as to what you are talking about.