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 鈥淜ate鈥� was a successful attorney at an insurance company before she became incapacitated by major depression. She applied for and was granted disability benefits. After receiving benefits under her policy for over 10 years, she was informed by the insurance company that her disability was being re-evaluated. As part of the re-evaluation, the insurance company wanted to interview Kate in her home.

鈥淒anielle鈥� was a producer at a television station.  As a producer, Danielle was required to fly around the world at a moment鈥檚 notice and had to meet impossible deadlines. Unfortunately, she had been suffering from rheumatoid arthritis for many years.  Eventually, the pain and fatigue took its toll and Danielle could no longer handle the rigors of the job.

鈥淒an鈥� was a very successful trader at a major brokerage firm. The job required long hours entertaining clients at night and was very stressful. Dan began to have daily migraine headaches, with both sensitivity to light and sound (photophobia and phonophobia). When he should have been at the trading desk, Dan was forced to escape to a private office and take long naps; he just could not keep up with the requirements of the job. Dan applied for benefits on his own, which were granted.

鈥淎lison鈥� was the District Sales Manager for a major insurance company. Unfortunately, she had been struggling with Multiple Sclerosis for many years.  After working for almost 30 years for this company and achieving significant professional success, she was denied long term disability benefits under both a group policy and an individual policy issued by her employer.

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.