My short term claim was held up by the claim rep telling me he had taken action, and when I checked up with the companies he should have called, he never HAD called. I had to ask for a manager, he got the corrections done, and I received the std payments. My long term claim was also a nightmare. I called the physicians myself and verified they had submitted the records. I also called Datafied(the middleman) and Datafied had the records, and had sent everything to Dearborn--but Dearborn kept lying and saying they did not have the records. I called Datafied and Dearborn so many times, I even got the exact page numbers that the records were on! As of this post, I am at 3 months of Long Term Disability without receiving one penny of my claim!