They are by far the worst short term disability company I have ever heard of, they will try to find any and every reason not to pay you and they will not pay you on the schedule it will be when they feel like it if they pay you at all. They do not at all care about the customers that they have please do yourself a favor do not use them, they have caused more stress in my life added to my injury then I ever thought possible, very hard to focus on getting better when dealing with them