i filed a short term disability claim july 3rd 2019. Inwas just denied my claim today oct 18,2019. They wanted tons of paperwork from the er doc and my primary care physician also from my pharmacy. After all of the work i have completed i was denied. This company is a joke! They dont care to help someone that was temporarily put off work which is why inpay the extra money. They have no problems getting my checks twice a month! Im canceling this policy asap!!! People beware dont waste your time or money!!!