0 stars.. a completely incompetent company... transfer your call... long holds... then no one answers after the transfer. THEY DO NOT CARE. Not sure where the people answering calls are located, but seems they do not have a clue what they were trained, or should I say NOT trained to do. I recommend to NEVER do business with this company. Probably one of the most frustrating experiences in my life! Sedgwick.. a company to stay away from! I can attest that from my experience. I am still waiting on a claim from 2 months ago... guessing I will never receive an answer as they find it easier to hang up on you. One rep even suggested "why don't you just drop your claim?"... wow!