I was sold disability insurance on a non secured loan I had at the CU. I later forgot about the insurance. I became temporarily disabiled and the clerk reminds me of the insurance. I file the proper forms, then I have to get three doctors to file forms, well they owe me over a years worth of payment reimbursement. 15 months to be exact, at 125.00 a month. they decide to send me 12 months at 75.00 a month because they have a policy of screwing over the little guy. I did get the 975.00 finally, i might possibly 75.00 of a 125.00 bill paid which is something I guess, but it is not what it was supposed to be. I'll never buy disability insurance again, your better off taking the nearly 6.50 a month and setting it on fire you get more enjoyment out of it.