HI ALL. Speaking of corporations. I have 3 life insurance policies with 2 very large well know long time insurance companies. They have both been in business for over 100 years. All 3 policies have a "Disability Wavier of Premium" feature. Basically the insurance company will make the premium payment for as long as I am disabled. Very Nice!! So I called and requested their forms to fill out for the benefit. Both forms showed up, very very similar and asking the same kind of questions. So I sent the forms off to the required doctors and clinics. Got the paperwork back for the doctors and sent it into the 2 insurance companies. Well of course my benefit was denied because the doctor did not fill out the forms the EXACT way the insurance companies wanted it. The insurance companies want the doctors to write on the forms that I am "TOTALLY DISABLED". Well the doctors are not going to put that on the forms because of liability issues. After many phones calls and discussions I got an individual in the " claims department " to agree to receive the doctors clinical notes in lieu of the forms. Both companies told me this. Well company A approved my claim, sent me a check for the premiums I had paid year to date, and is paying the premiums now. HOWEVER company B said NO, and of course that is the company I have 2 policies with. I am still calling and trying to get approval. But I am amazed that one would say "yes" and the other "no" when they are so much alike. Of course company B says they are different and have no reason to approve just because company A did. What ever. I am still chasing after company B and trying to get approval. But 2 large corporations that have similar forms?? I know that neither company have people in the benefits department that have a working medical knowledge. If they did they would know what my disability is and would know what is going on. Well the fight goes on!! CHOW MOI