Oh Bert, I forgot...

I'm already wise to insurance companies. Unfortunately they already act on supposition and hunches.

I was employed by a school and the rule was that if 25 people signed up for disability insurance, nobody could be turned down. Since 25 people didn't sign up it was determined on an individual basis. This was 10 years before I was diagnosed with MS, but I had seen a neurologist. Because that visit was on my record, I was turned down. The jerk/salesman didn't have the $%^&* to face me the next day and just left a note in my mailbox. That incident started my quest to find out the truth about what my doctor suspected but couldn't prove and subsequently lied to me about.