I was laid off involuntarily on March 14, 2008. Prior to that, I called Sears to enroll in AccountCare just in case I was included in the next wave of layoffs. Once I was laid off, I called AccountCare to file a claim. They told me I had to be unemployed continuously for at least 30 calendar days from my layoff date in order to make a claim. No problem, I have two Orchard Bank accounts with their own account protection services that told me the same thing. 30 days passed and I filled out the paperwork they sent me 10 days after I called to make a claim, so this is now 40 days after my layoff date. 10 days after that, I received a letter from them saying that they need proof that I am receiving unemployment benefits. I mail them copies of the award letter and some unemployment check stubs. 10 days after that, i receive another letter saying that they need proof that I worked at least 30 consecutive days prior to my job loss and that I worked over 30 hours per week also. So almost two months after my job loss date, I send them pay stubs proving that I worked full time for over 30 days prior to being laid off. I finally get a letter from AccountCare saying that they are closing my file because the check stubs I sent them were incomplete and didn't prove I worked each and every day prior to being laid off. Recently, I called them to follow up and see what they wantd specifically. The girl on the phone was nice and she said all I needed to send them was umemployment check stubs and a new application since they were bought out by a new company (from Kansas City, MS to Fort Worth, TX). Great, that's easy. I sent the info. 10 days later, I receive another letter saying that they will also need an "Employer's Statement on company letterhead indicating [I] was employed 30 days before my job loss and/or paystubs showing this information. " So, the girl I spoke to didn't know to tell me to also send in a letter from my previous employer on company letterhead. So I had their HR department fax to AccountCare that letter they needed. Ever since March I have been making the monthly payment for Sears and also that AccountCare fee for the balance that remains. We'll see if that letter that was faxed was good enough or if they will pull something else out of their sleeves to deny my claim. I'll keep you posted.