Had to use for 2 appointments and intermittent therapy seesions.Missed less than 8 hours of work.Had to have DR submit paper work for appointments,then resumit for travel time,then had resubmit for approximate end of therapy, Nothing on paper work wanting travel time.6 weeks before i was approved! Dr filled out paper work 4 times.Well of course they were not geting faxes sent by my HR and DR. 2 hrs on phone with Drs office,8 to 12 hours on phone with Hartford ( most on hold).Less than 8 hrs missing for appointments =14 hrs of missed work cause i was on the phone.Would never purchase ins or anything this company offered.No money involved.Just need time off for appiontments. Every person I work with that has had to use for FMLA has had nothing but issues. Constant wanting more paperwork more info.Borderline harrasment and intimidation.