I obtained Reliance STD thru my employer for which I pay. Our policy has a 45 day waiting period. I hope to return to work next week & have yet to receive a check. Lots of time has been wasted filling out forms, requesting & reviewing medical records, blowing smoke up my *** & doing everything but determining & paying a claim. I thought the days of this kind of insurance scam was over. I was wrong. Will Matt Damon play the lawyer in this movie?