The horrible company my father paid for him and my mother for over 20 years she passed away and he had to be put in a nursing home in Sept 2013 have been fighting with them ever since long waits on the phone always an ex sucks for why the claim didn’t go thru after all this time and hiring a lawyer and preparing to file a law suite against them they agreed to start covering him as of February 2014 of course with a 90 day wait period which means they are not paying for 9 months worth of his stay all I can say is never invest your money with this company and if you read this and feel the same then contact me if there’s enough of us I will find the proper authorities to file whatever I can to get these thieves of the market or just a class action law suite to let them know people are tired of investing their money in this company who doesn’t pay out this company is a rip off stay away.