I spent almost an entire year waiting on a specialist they never actually sent my paperwork to. All the while suffering and missing more work than I can afford. Then botched it a second time, adding more months to the wait. Now that I finally am on the specialists list, with another six month wait (the only justified wait so far), I needed paperwork for the short term disability, witch they again botched, leaving me unable to pay bills, mortgage, etc. They are going to cost me everything...