I had a care credit account that I have been making payments on for quite some time. I was laid off from my job around 2 years ago. I was still able to make payments while on unemployment so I continued to do so. Now that unemployment is coming to an end and I have not been able to locate a job, It is getting harder to pay my payments. The protection plan I have would wipe out the debt if I am on unemployment. But they hit me with a twist. Since I didnt notify them within 1 year of becoming unemployed, they will do nothing for me. So I get penalized for trying to fulfil my agreement to pay my debts while unemployed because I didnt tell them sooner? I tried to do right by them and they hit me for it. This to me is ridiculous and I would tell people not to bother with the protection plan because it does not benefit you at all.