My hubby was hurt. His job unfortunately uses Sedgewick for short term disability claims. His case manager told us we needed a letter from the state that either says approved or denied. Not once did he say you need to go through the state in order to get paid. They are very vague with how things work and trying to get your case manager to call back is a nightmare. We called twice and got 2 completely different answers about his case. So if you live in the State of Washington as soon as you file a disability claim with these idiots you have to file with the state immediately in order to get paid. They do not tell you this. After reading other reviews it seems like they do put customers first anyways.