I've paid into disability/injury coverage for years because I didn't want any surprises. Now that I actually need it, they're doing everything they can to stall and deny my claim. Read the other reviews too. Your case manager will NEVER return you calls or messages. The reps you speak to are clueless and direct you to leave yet ANOTHER message for the case manager. They claim to "lose" key documentation, never update you, post false time windows for when your claim will have a decision by... on and on. The icing is when I called after a month because my claim still said pending (read UNPAID), and was told it's because they don't cover time off due to the actual injury, or for the conservative treatments my surgeon recommended I try first. To recap, to get any of my pay, I'd have to forgo conservative treatment options, schedule a risky surgery, remain UNPAID for 2 months because thats how long surgery takes to schedule... and on the day of surgery they'll review the claim. IF you're approved, they'll start paying from the date of surgery until your return to work. So 2 months unpaid, never knowing if you'll ever be approved until you wake up from after surgery.