Man, I can understand the frustration with insurance companies, and they are all the same. Wife has health insurance through work and they auto-payment out of your check without even signing up, something to do with Obama forcing insurance coverage...anyway, she gets an operation on her heal spurs, and they put an air cast boot on her foot, winter time, and Dr. says she can go to work while it heals...ever climb in and out of a tractor trailer. Bad enough with out the boot. So work said for safety reasons no work till Dr releases her without the boot. Short term disability paid regular. Two weeks before the dr. releases her, long term disability finally says ok we will pay...some three month after the fact. yes the checks that came are great when they get here, but what about going with out till they decide yes you can have what you been paying for, for years...