Just had 2 beneficiaries call me today. One with Gerber GI that was 3+ years old thankfully. Had one contestable this year with SofN. The company nor me could get in touch with the claimant for months and then all of the sudden she sent me the info we needed. Writing for medical records now. I don't think the client told me or the PHI anything that was not correct so I am not worried at all.