I have Principal Disability insurance through my work. Recently I fell off my roof and had to undergo back surgery. Unfortunately I still am not 100% and sitting for long periods of time is extremely painful. The local agent came to visit me as soon as I phoned in my claim and helped me fill out all the paperwork and get the forms from my doctor filled out. I got my first direct deposit 11 days later. The checks have been coming for 13 months now. If it weren't for this policy me and my wife would have lost everything.