They cannot be trusted, none of the agents you work with are sincere, though they put on a sugary fake sympathy act. They make you duplicate your actions as far as obtaining records, and find a reason almost every week to delay your check. My injured sister set up direct deposit but the check hadnt shown on her account after two weeks. I called the adjuster for her the first week and they claimed it took a week to set up. Though that was a lie,at that point you have to wait a bit longer for lack of proof. At week two I called on her behalf, and they said they couldnt read the handwriting and the bank routing numbers were not clear. They were caught in a lie this time, the adjusting agent, a woman Miss fake sweetness, actually tried to stifle a laugh, when I said that the handwriting issue was a fabrication, as the form was filled in on an online program,in which you type in the numbers. The check was deposited in 3 days and we were upset with their blatantly fraudulent antics. They are hoping you dont have a friend or relative to keep up with their demands for copies of records they already have or easily find. Always, they pretend they need more. They try to cut you off of benefits and wait and see if you accept it. They want you to drop your request. I was able to contact my sisters nurse practitioner and ask her to send a note co signed by the doctor to state the seriousness of my sisters condition. I told them I wished on her behalf, to have contact with their supervisor to appeal their initial rejection of payment,and subsequent rejection after some months, though the neck injuries are permanent. Though eventually my sister received workmans comp also, they then then wanted their overpayment. I was told by the workmens comp lawyer she hired that even if you were eventually awarded workmens comp for those months,thus getting a few extra months payments, the insurance company never took anyone to court for the overlapped funds. If they did go to court, the most they could do is receive 10 percent of the your current weekly income until the funds were recovered. Recently, the higher courts ruled that making an injured worker currently living on reduced earnings, was against the laws that caused undue hardship and did not have to be paid back. I sent them ,the disability Ins company,a statement from her doctor that stated she was currently totally disabled and they had not a leg to stand on, and was able to write a brief appeal to their supervisory board. They stopped sending threatening letters. Insurance companies like First Reliace Standard try never to pay a claim . My advice for anyone who does not immediately receive an insurance disability payment, is to call a lawyer with a good reputation to handle your case. The insurance company will not try so many tricks. My sister,when eligibility was nearing for workmens comp coverage to kick in, obtained the services of a lawyer who has a super reputation and she did not suffer the agony of dealing directly with sneaky insurance adjusters for long, and received her benefits exactly on time. The insurance adjuster at the workmens comp company was snide and threatening and was not happy being thwarted when the lawyer at her insurance company told her to start sending workmens comp.payments after being contacted by my lawyer. Sadly, a lawyer is needed for any disability case, short or long, in most cases, but they need no money up front, but collect 20% of whatever moneys the insurance companies have been holding back. The insurance companies prey on the injured even if your employer directed them to pay you, they dont want to pay your claim,as at that point it comes from their funds. Check out your lawyer thoroughly online before calling them.