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I have never had an issue with GWL - always reimburses within a few days maybe a week with online claims. Paper claims do take longer but understandable. My pharmacy has even commented on how great the coverage is etc. My children have some significant medical needs and have always gotten what they need. I was surprised to see all the negative reviews, overall they have been fantastic, sure sometimes I wait for an email for a few days or have to be on hold for a bit but I understand I am not the only one that needs assistance.