1 /5 Jessica Izzett: This company says their disability policies help you through difficult times. They lie. They never approve you when you apply. You go through denials and end up financially strapped because you became disabled and cant work. I had to fight for my short term disability and long term disability.I Also had to hire a lawyer. It took more than a year to get my long term benefits. By that time we got the money that was owed to me We had suffered hardships. I got my social security disability before my long term disability.