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hi im attorney gregory dell joined by attorney rachel alters and were going to talk about a success story of rachels for a claim against new york life disability insurance company formerly cigna and in these particular videos wed like to talk about the background of the claim the basis for why the claimant was denied what you were able to do and then provide some tips for people who have new york life long-term disability claims that could help them with their claim so give us the background of this case against new york life sure this i represent a hospitalist shes a physician that works at kaiser permanente shes been there for 25 years plus and she has a chronic back severe degenerative disc disease and chronic knee issues so her job as a hospitalist was very physical she had to be on her feet all day long she did rounds she was you know on call a lot and she had she said she would walk miles and miles a day with her job and it became so painful for her with her back issues th