鈥淒avid鈥 was a senior chemist at a chemical company. David suffered from HIV and the side effects of his medications including diarrhea, fatigue and cognitive problems. Despite the support of his treating physician, the insurance company denied his claim on the ground that there was no 鈥渙bjective鈥 proof that he was disabled from his 鈥渟edentary鈥 occupation. The insurance company also asserted that David 鈥渙nly鈥 had HIV and not AIDS.