Claim Denied: The Ugly Truth About Disability Insurance
The American dream is a beautiful thing: It includes working hard, earning enough money to feed yourself and your family, and having a roof over your head. We work hard and enjoy the fruits of our labor. And you’ve done that your whole life. But what if that dream turned into a nightmare? What if something happened that took away your ability to work? All of a sudden you can’t pay your bills or your rent — and instead of coming home to a happy household, you come home to a place of anxiety and fear, a place of wondering if you’re going to lose everything you’ve worked for. It’s a scary thought, but it happens every day in America — to people just like you who have planned, saved, and done the right thing all their lives. Here are the facts: One in 5 Americans live with some sort of disability. One quarter of all 22-year-olds will become disabled before they reach the age of retirement.
because they get paid for it. If you become sick or seriously injured and can’t physically perform the duties of your job, you want to be sure your disability insurance policy has you covered. While employers offer long-term disability benefits with the best of intentions, sometimes that insurance policy and its terms create real hurdles for you and provide a huge advantage to the insurance company so they can deny coverage and stop or limit your disability benefits. Let’s think about that for a minute: Let’s say you’re hurt and you can’t do your job. You feel stranded and alone at sea with no escape except for this life raft your employer gave you. Well, as you inflate the raft, you discover — guess what — there’s a giant hole in it!
You’re stressed, worried, and upset (and dealing with the effects of a serious illness or injury), but you can fight back. It may be difficult, but you may need help from someone who believes in you, someone with a plan and ability to show the insurance company they were wrong about you. You can do it. Order the book today through bbirkey@dklp.com or calling 202-393-3320!
What’s worse?
When they deny your claim for disability benefits, the insurance company basically says you’re faking, lying, and malingering. They don’t believe you, your doctors, or your test results.
Many people work in a job they enjoy; chances are they’re working that job
They try to take your dignity. Don’t let them.
INGREDIENTS
Inspired by Bon Appétit
RATATOUILLE
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1 eggplant, peeled and chopped 1 large zucchini, sliced into 1/4-inch-thick rounds
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5 sprigs thyme
1 large onion, halved and sliced 1/2-inch thick 1 red bell pepper, chopped 2 garlic cloves, sliced 2 pints cherry tomatoes
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2 tsp salt
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3/4 cup olive oil, divided
DIRECTIONS
1. Heat oven to 400 F. 2. In a colander, toss eggplant, zucchini, and salt. Let sit for 30 minutes and pat dry. 3. In an ovenproof pot, heat 1/2 cup olive oil. Add half of eggplant mixture, stirring constantly for 5 minutes. Remove vegetables from pot. 4. Tie thyme sprigs together with kitchen twine. 5. In the same pot, heat remaining 1/4 cup olive oil, and cook onion, pepper, garlic, and thyme for 8–10 minutes. 6. Add half the tomatoes and cook for 5 minutes. 7. Stir in original eggplant and zucchini mixture and top with remaining tomatoes. Do not stir. 8. Transfer pot to oven and bake mixture for 15–20 minutes. 9. Remove pot from oven and remove thyme bundle before serving.
Happy St. Patrick's Day! Enjoy a day of singing, dancing, and blarney fromDonahoe Kearney to you and your family.
202.393.3320 • 3
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