I have been a state employee for four years. All four years I have paid for a long term disability insurance out of my paycheck. An outrageous amount of money has gone to this company. So this 1 time that I needed to use it to support myself and my family, they have done EVERYTHING in their power to make sure that money is not paid out in any way. I have jumped through hoops, seen multiple physicians because the first one I saw “was inadequate to diagnose me” with what they diagnosed me with. And even after I found someone “adequate” SURPRISE. Now it has been to long, and now we still need office notes from that first office, and now we are denying you and you have to go through the appeal process which takes 90 days. We will also make sure that you don’t ever get a call back from your examiner, and we will have battered call representatives take the heat for all of our absolute bullsh*t. Absolutely Horrible. Not EVER will I pay this company another dime to carry LTD. Or anything else for that matter.