I just want to stop by to say to someone, if you have submitted a claim and the state is making it difficult don't stop, don't walk away. Keep going because they do it without legitimate reasons, just so they don't have to pay out. I submitted a claim, the state is asking for a probate and when I checked with the reporting company the claimant is the named beneficiary which means they should not require a probate. I did another one and the daughter of the deceased was the claimant the state told me the ssn was incorrect. I told them they mixed it up. They got upset and denied it. The deceased was Carl the daughter is Carla. I resubmitted the claim as is and it was paid. Even though I didn't charge anything.