My experience with Manhattan life disability insurance is bad! What I don't understand they have no problem in taking your money out of your check every two weeks, but when you need them, they want unnecessary paperwork which they don't even have a form for and they really are not in a hurry the process you claim! But I didn't listen to my coworkers which advice me not to keep Manhattan life disability insurance!, I should have listened. If you're looking for a good Disability Policy to cover your bills when you are sick from work try somebody else!