These people take more than three days to send you the first forms to fill out. They only give you two weeks to provide all the information from your doctor. And with one week left until the deadline to close the application, they then ask for your medical records, and because of the company's medical policy, those documents are released in a period of three to six weeks. In other words, in the end they are not going to approve anything! I think they do this on purpose to not approve the claims and to psychologically punish the employee who is sick and has to continue paying his bills.