It is a money issue. You have to constantly fight with the insurance company. My significant other has a cancer policy. It has been a month since we submitted a claim to get the cash, and nothing yet.You can never talk to the same person and all they say is that it is being processed. I call every week to no avail. This company, United American out of McKinney, Texas is downright terrible. They have a website, but no toll free number to call. I had to call the Texas Insurance Commission to get a phone number. Dealing with cancer is frustrating enough, then componded by dealing with these idiots. What's a person to do?