Are there any cases lately in Florida with accident vs illness issues decided with cut off at 65 yrs old where several treating sub-specialists with far better credentials and independence from patient who is also specialist in area of injuries all agree with INJURY, and only FT pd UNUM employed Drs - general orthopedic and General Neurosurg said not sure or don't see it as accidental injury DESPITE OVERWHELMING evidence, with witnesses, emergency surgery after fall from ladder and earlier fall had progressed to disabled state and even Sickness theory has NO UNEQUIVOCAL support by UNUM docs, was NOT claimed until 3 1/2 YEARS AFTER disability onset. 35+ yr old policy even allows sickness first manifested while policy in force and no requirement for recently of sickness they claim potentially voiding Basis of cut off. Any Orlando pro bono Disab attys interested in better than McSharry case"?

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.