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I had long term disability policy with this company through my employer. In 2014 I got sick and eventually disabled. After talking with my doctor and on doctor's advise I filed claim in 2014. There was 3 month wait period. Since then I have been getting disability insurance payment check every month. Company does regularly confirm that I still fullfil the requirements of the policy which is no problem. I also get social security disability. Helps put food on the table. That's what disability insurance is for.
Have been with them over 50 years and no issues