Sedgwick is a NIGHTMARE i would rate this company 0 stars but they do not give you that option because they can add 1 STARS together to get SOMETHING rather than NOTHING. Right from the beginning when they tried to convince us we were insured for only a fraction of the sum we were entitled to it has been one long nightmare - and I mean long - 10 MONTHS SO FAR. They take weeks to do anything, do not respond to emails or phone calls and then employ bad Agents whose work inflicts health problems. Sedgwick have caused us physical, mental and emotional distress and anxiety.. and still is.