Cumis Insurance Disability Insurance Reviews

We applied for our disability insurance and we have spent the past 5+ months waiting for a reply and have been denied. At $420/mth, they like to take your money, but not pay a claim. They have asked for almost our entire medical history. Ever hear of the privacy act?
Do not use this company! They will find every excuse to Not pay out. What kind of insurance company is this? Thanks Steinbach Credit Union for supplying us with a useless insurance company. If this is the insurance company your bank/credit union offers you, find your own. They will never pay out. They will come up with every excuse. Let you go broke, and then the bank forecloses. Our loans officer even told us to find a different insurer. I do not give this company any rating at all, but you have to choose at least one star to submit this review.