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Ouch! Suck you dry? Lol. Sorry, on behalf of those of us working for an insurance company (specifically disability) I have to tell you- we are duty-bound to uphold the contract that your EMPLOYER purchased. I know it's easier to point the finger at the insurance company, but your employer has the option of buying better benefits. And for the record, it is MUCH easier to approve a claim than it is to deny one- if I had my way, I'd approve them all.
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"I may not agree with what you say, but I will defend to the death your right to say it." - Voltaire