This insurance suck transamerica is the worst disability insurance anyone can sign up for as an employee at a HHC hospital am very disappointed in myself for ever signing up with this insurance!!!!!!!!!! Combine insurance is the best insurance I’ve ever had they deal with there client on a professional level working with you to process your claim as quick as possible wish I had put all my. Money in combine insurance it’s definitely a better insurance than transamerica there selling you a dream they never full-fill fake advertising it’s not what they tell you am tell g you from my experience with this disability company!!!!!!!! STAY AWAY FROM TRANSAMERICA!!!!!!!