I have a brother-in-law who is self employed as a handyman/builder. He purchased disability insurance in case he was disabled and unable to work. He sliced through his hand with a circular saw, losing a few fingers and sustaining nerve damage. The insurance company basically told him they were not paying anything and he could take them to court if he didn't like it. So one is left with the dilemma of going to court and paying thousands of dollars to lawyers when you have zero income to take on the insurance company's bevy of retainered lawyers and possibly losing your case. BASTARDS!