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and welcome once again to in your corner John Scoles event to mark and heamp;#39;s the boss he has all the knowledge I just kind of steer the boat every week this is a show about disability and your insurer we will get to lots of stuff on the show today including three things that you do that could cause your Ltd to be cut off you donamp;#39;t want that to be done so weamp;#39;ll cover that some emails and phone calls as well but first just maybe reiterate since James is m.i.a today Savannah what do we do here every week Oh John every week here we talk truth to power we we explain to people what the rights are with respect to their insurance companies specifically when it comes to long term disability you know we are lawyers and day in and day out what we do is we fight insurance companies whoamp;#39;ve denied long term disability claims and denied legitimate claims and we explain to people what they can do about that and the fact that theyamp;#39;re not as powerless as th