If the activity in our office is any reflection of what's going on nationally, the disability insurance companies seem to be ratcheting up the screws recently. We've seen everything from sudden terminations of long-running claims to companies denying claims without any appropriate medical review (or anything close). Video surveillance seems to be on the increase as well.

I explain the rip off of group disability insurance policies issued through employers and governed by ERISA in my book, Robbery Without a Gun, Why Your Employer's Long-Term Disability Insurance Policy May be a Sham.. A major individual disability insurance company (i.e. they don't sell these crappy, worthless group policies) just placed a major order for my book (probably to give to its sales agents.)