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鈥淎lice鈥� was an accountant at a major accounting firm. As a result of the debilitating symptoms of Chronic Fatigue Syndrome, she was forced to apply for disability benefits. For almost five years, the insurance company continued to turn down Alice鈥檚 appeals, which she handled herself.

"George鈥� had been a loyal employee of a major bank for over ten years, when the division he worked for was sold off to a competing company and his employee stock ownership plan (ESOP) was partially terminated due to the sale. Strongly believing that he was being unfairly deprived a fair share of the earnings on his investment in the ESOP, he sought expert legal advice.

鈥淒r. X鈥� was a successful Dentist in Westchester County suffering from major depression, anxiety, and associated symptoms.  She applied for benefits and the insurance company granted them under the policy, subject to the two year mental illness limitation in the policy. 

While out on disability, Dr. X subsequently sustained physical injuries to her right shoulder when she fell walking down a flight of stairs.  These injuries, independent of her depression and anxiety, precluded her from performing routine dental procedures with her dominant arm. 

Dr. X promptly notified the insurance company regarding her physical injuries and submitted medical evidence substantiating her physical restrictions and limitations of her dominant upper extremity.  The insurance company, however, discontinued Dr. X鈥檚 benefits by invoking the 24-month Mental Illness Limitation, despite the new physical injuries suffered by Dr. X.

 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.