Where is the less than 1 star. I want to rate -5. My doctor has filled out their forms 3 times and each time they come up with a BS reason to reject them The new reason is that on their form # 11 "Patient Complaint" my doctor put "Foot pain" which I had to have surgery on. "Foot pain" was my issue, Not acceptable to Shitwick. I have worked for BAC for 11 years, never have I ever been put through anything like this. Tony G the appeal agent is rude, condescending and a complete a$$. BAC HR has been no help. So I don't get paid for 6 weeks for staying home trying to recover from surgery. I have no idea why when Bank of America brags about the great benefits , they force us to interact with such a crappy company as Sedgwick.