Oh and TD seem be useless when ever issue. Local provider had daycare cover with them. Called to inform of move and give new address. Then told they not do daycare cover. Then she check and find out person she speak to was wrong. She call TD back and they said yes, she right, they do insure but because person she spoke to cancel her insurance, they not able to undo that and she had to reapply from beginning! Seem crazy system to me if that accurate.