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My wife had a terrible experience with their group benefit. She suffered from very serious PTSD that caused a lot of issues from her work for very serious reasons I won't share. She was pregnant and we were concerned about our child's health therefore decided to seek help and was written off work immediately. When she applied for her sick leave she couldn't reach them at first for over a month then got denied after numerous attempts to sort it out with the proper information they asked for from her doctor and therapist, our doctor got very involved and was as irritated as we since we went back and forth for months. It put a very big financial and emotional strain on our family which was the last thing we needed to consider. I wouldn't wish that upon anyone. It's companies like this that make insurance companies look bad. It's a shame they exist.