AT&T offers disability coverage for their employees administered by Sedgwick CMS. Their plan exploits many loopholes in the Federal Law regulating these plans. They will and have terminated benifits for reasons not related at all to the recipients disability or ability to be gainfully employed. Claiments are held under "virtual house arrest" and are not allowed to accomany thier family on even short day trips without obtaining "permission" which is cannnot be obtained in a timely manner if at all. They have and will... read full review »