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hi iamp;#39;m attorney gregory dell joined by attorney rachel alters and weamp;#39;re going to discuss a case that rachel resolved against the cigna insurance company now taking over acquired by new york life insurance company and in this particular scenario i want to talk about the background of the case what you were able to do for the client provide some tips about that people could take away from this that may help them with their disability claim no matter what situation theyamp;#39;re in so first tell us about the occupation of this person the policy language and then weamp;#39;ll get into the basis of the denial and the claim sure um this was a claimant that i represented who was the vice president of sales for his region for apple computers um he had been with the company for 23 years and he was a very um you know dedicated employee he ran into an issue with his knee and needed multiple surgeries and after the first surgery he thought he would be okay within two months to g