I have been paying for a Disability coverage (Creditsafe Plus), on my Discover Credit Card for a long time. On March I was declared totally disabled by Social Security. I submitted all required documents to file my claim immediately, and up to this date Assurant Solutions and American Bankers Insurance Co. Of Florida have not wanted to pay off the benefits to which I'm entitled. This Disability coverage on all credit cards is a deceitful scheme and a scam. At the time of claiming benefits you are entitled to, they dig in for some reason for not paying. If you have such insurance, cancel it. You will be paying off for something that's useless and only benefits the insurer.
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