Without a doubt the worst experience of my life. I wish I would have never signed up for this scam and I feel ripped off. I would highly suggest not purchasing this insurance because they will only find a way to drag out your case. I have had two people lay a bunch of crap on me trying to appease me long enough to get me out of their hair and also drag this out. I paid into this scam with the expectation it would be there if or when I needed it, I hoped I wouldn’t need it but unfortunately and unexpectedly I did. I had the false sense of security that if I did need it I could count on it since I can not miss a pay period. They sure as hell did NOT miss taking their money out of my check!!! Today is April 7 and I filed January 27th and still no answer as to whether I have been approved or denied. This experience has taken so long that I have to assume they are going to deny my claim. When I call it is still pending! They have my medical records and still insist on more records. Now they are say they haven’t received paperwork I sent to them back in January. They say my pharmacy hasn’t sent my records yet my pharmacy said that they sent the records when the records were requested plus they have all of my records from my doctors which has all the copies of the prescriptions I was given!!! To make matters even worse, I can no longer afford to keep my health insurance payments (since I am not working I have to pay for what was deducted out of my paycheck) which means I now can not afford to go back to my doctor to complete testing or to get released to go back to work when my leave is up or afford my prescriptions. I am in such dire financial straights that I have had to beg my landlord to give me time to catch up on my rent with late fees which I can not afford. My lights are going to be shut off and I now my phone is going to be shut off. I am having to use a neighbors internet service (with their permission) just to write this complaint! This is a huge ripoff and I would suggest going with another company or if you feel you must pay into this scam, like I did, know that it will take forever and you will probably be denied! I despise this company I think they ought to be put out of business and while I have access to internet and all of my social media accounts I am going to post every negative thing I can write about my experience with this company so that I can possibly prevent anyone else from going through what I went through. I will go on Facebook, Instagram, Twitter, Google, linkedin, Ripoff Scams, even Pinterest and any other outlet on which I can vent to let everyone know what they can expect from these crooks! Good luck to those of you with cases pending I have given up and have resolved myself to the fact that I am not going to be approved and that I am going to go through a lengthy period of financial struggles until I can get this straight!