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鈥淛ason鈥� was a successful investment banker in New York City. His work required high-level judgment, long hours, sustained focus, client responsiveness, and the ability to perform in a demanding financial environment.

Jason was the Head Training Consultant for a number of high-end banks and insurance companies in New York City.  Jason was diagnosed with throat cancer and HIV.  The chemotherapy treatment, in addition to HIV, resulted in severe and debilitating fatigue, neuropathy of the hands and feet, stiffness in his hands and feet and dry mouth making it difficult to talk.

Jason was receiving LTD benefits under his group disability policy he purchased years before through his employer. Unfortunately, his insurer without warning discontinued his benefits, claiming that Jason was not totally disabled and that he could return to work.

Laurel worked for a large national mail-delivery pharmacy conglomerate as a pharmacist.  Laurel worked at home filling and reviewing hundreds of thousands of prescription orders.  Two decades earlier, Laurel was diagnosed with muscular cancer of the shoulder and had to have the muscle removed in order to continue arm function.  Unfortunately, complications included chronic pain, frozen shoulder, and neuropathy.  One day, Laurel lost complete use of her shoulder which forced Laurel to stop working all together.

鈥淢ark 鈥渨as a technical support analyst for a leading financial institution when he was diagnosed with severe obstructive sleep apnea.  Mark began to experience cognitive difficulties associated with his sleep apnea as well as deficits in concentration and memory, and extreme fatigue.  Mark had previously received coverage under the family medical leave act (FMLA) and upon its termination attempted to return to work.  However, Mark鈥檚 return to work was unsuccessful as he remained unable to tolerate the high executive level functions required to meet the demands of his occupation.  Mark met with Mr. Riemer and a strategic plan was implemented geared toward transitioning Mark from short term disability benefits to long term disability benefits.

Dwight was a successful relationship manager at a national insurance company. He lived and worked in NYC.  Dwight suffered from depression, which included symptoms of decreased energy, difficulty thinking, emotional isolation, sadness, hopelessness, irritability, and poor sleep, which resulted in him being unable to continue working.