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[Music] all right so timely filing limits we are here again where we're about to start a new calendar year preparation the insurance companies are looking to update your contracts they are looking to renegotiate fees with you lots of changes happening with their policies that are re-evaluating their internal structure and policies so do expect that there will be some changes the insurance companies are often looking to evaluate their timely filing limitations we've already seen a movement of of insurance carriers reducing their timely filing down so where was common that insurances had 365 days a very generous amount of timely filing we are now seeing that reduced down to 180 days and then down to 90 days so very important to be paying attention to your contracts so what can you do to help yourself with this particular predicament so timely filing is is reducing yet might take you maybe down to 30 days and maybe it's taking you two months or 60 days to get a claim out the door what ca...