sed After Full Review AILS ON THE EVIDENCE The record showed behavior consistent with disorientation after the crash. Medical literature explains that airbag chemicals can irritate the skin and eyes and lead people to remove contaminated clothing. Other sources recognize “paradoxical undressing” as a phenomenon associated with hypothermia. GPS data showed he was headed to stay with his sister. His phone and Amazon records showed searches for pet-friendly hotels and a journal ordered for same-day delivery, all suggesting forward-looking plans. His widow and sister described recent conversations about faith, reconciliation, and his love for his child. No one believed he would harm himself, and no suicide note was found. The insurer leaned heavily on the truck driver’s account while discounting eyewitness statements that the decedent was waving or flailing his arms as if trying to flag down help. Confronted with the full administrative record and its failure to meet its burden, the insurer reversed its decision and paid the claim. We’re honored to have reversed this unfair suicide exclusion denial. Anyone facing an AD&D claim denial should be very cautious about treating the insurer’s first “no” as the final word.
I usually wake up at 5 a.m. with no alarm. But on New Year’s Day, after a long New Year’s Eve night, I planned to sleep in. It was going to be great. No plans and no schedule after two weeks of go, go, go. Then, at 5:03 a.m., the doorbell rang. My mind went straight to, “Something must be wrong!” I jumped out of bed, went to the door, and peeked out the window. Nobody there. I opened the door and saw a small package on the ground and a FedEx truck driving off. The package wasn’t important, and I crawled back into bed, ticked off, wondering who in their right mind rings a doorbell at 5:03 a.m. on New Year's Day. I couldn’t get back to sleep. Why not just drop the package and skip the doorbell? A 5:03 WAKE- UP CALL HOW I REFRAMED A BAD MORNING
Later that day, I read something that would have made that moment much better. It was about how easily we let small things we can’t control hijack our thoughts or moods. The fix is simple: Notice it, then walk through what you’re grateful for. For me, the list starts with unhurried time with my wife, kids, grandchild, and friends. It also includes getting to do work I love with people I enjoy, serving folks who need help.
With all that, why would I spend one second ticked about the 5:03 a.m. delivery guy? He probably needs sleep more than I did. It’s also pretty amazing that we can click a button and someone hustles our stuff to the front door within 24 hours, rain or shine. Here’s the part that matters to me. I decided to give that kind of moment a name. I call it “a 5:03 moment.” When something less than perfect pops up that I can’t control, and I feel that early morning doorbell feeling start, I can stop and say, “Aha, a 5:03 moment!” Giving it a name helps me recognize what’s happening, choose a response instead of a reaction, and hang on to my peace instead of handing it over to things I can’t control.
HAVE A LAUGH
Share the name with loved ones. When you see someone getting hijacked by “a 5:03 moment,” just say “5:03 moment!” to put them back on track. Try it!
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