I would give them less than zero if that were an option. Poor communication. Each time I talk with them on the phone, they give me a different answer. Zero consistency, and no one takes ownership. Not interested in treating you like a human - I am interacting with them because my family is in a stressful situation, and it's as if they have made it their mission to make it more stressful, not less. I sincerely hope they go out of business - they have zero customer service skills and zero compassion. I can tell they are being trained to get you off the phone as quickly as possible. On their website, you can communicate in writing; when I try that route, they do not even answer my questions. I have not seen this level of complete apathy mixed with total incompetence anywhere else in my life. My employer offers great paid leave benefits, but if I have to deal with Sedgwick again, I will do all I can to avoid it. I am making big decisions like forgoing needed surgery or not having more children to avoid dealing with this company - they are that painful to interact with.