You do realize that this is about as affective as wishing on a star right? Just as a personal anecdote my wife has short term disability through her work. When we were finally able to get pregnant with our daughter she called the insurance company to insure that the time she would be bed ridden (and we knew without a doubt after losing two children she would be bed ridden) she would receive her short term benefits, which she was assured she would with no problem what so ever. She works customer service so she is anal about recording times, dates, names, and important conversation points in a a note book. She was put on bed rest the week before Thanksgiving. She started calling the insurance company that week. She was put into the hospital two days before New Years, and we still didn't have a check. After being in the hospital for two weeks we finally sicced my mother on the insurance company. My mother being and HR director was finally able to get them to start cutting checks. If it hadn't been for the actions of my mother we probably never would have seen a check because my wife was in no situation to deal with the stress of calling the insurance company day after day trying to get what was rightfully hers, and I had to work.

That's what the insurance companies want. They want to make it so hard to make your claim you give up. Many people do, or lack the resources to claim what they have rightfully paid for. That is the problem with the American health care system. So if you honestly think your recording names and dates of a conversation you had with some nameless drone in Omaha is going to do you any good making your claim I've got some ocean front property in Arizona I'd like to sell you.

I hope you don't have any problems, but seriously I can't say it enough of the insurance company wants to deny your claim they will. And they will keep denying it until you've jumped through every last hoop they toss in front of you and make you dance like a little monkey, or you give up in frustration.