R.I.P. Judy Morris, M.D. February 14, 2008.
Judy had given much to many who never bothered even to say thank you. We are all poorer and diminished with her death. She was a champion of all those who have been pummeled by the racketeering insurance cartel. She was a lion who roared who encouraged me and countless others.

This past February, the MS and her exhaustion was too much; she is now dead, and I am told by those close to her, that it was by her own will and hand - but THEY killed her, and should be justly rewarded, all of them.

	-- Bill

I know you read these pages. At least I hope you do. You can harass me, surveil me, threaten me and defame me all you want. What you will be unable to do is discredit me. Why? Because I have a valid claim, iron clad wording in my contract, reputable research, the laws of Massachusetts and the United States (at least as they are written on the books), and common sense on my side.

From Mark McCormick's Book - The Terrible Truth About Lawyers
"Insofar as the don't-give-an inch mentality is EVER appropriate, it is appropriate only in situations where negotiations are out-andout-hostile. "And those situations, in turn, are very few. To my mind, they occur ONLY when one party's rights have clearly been violated before negotiations have begun. "If someone seizes hostages, then wants to talk, that's a hostile negotiation. "If one party to a contract UNCONSCIONABLY RENEGES, THEN want to discuss the matter, that's a hostile negotiation."

UNUM, by your actions and corporate policy towards CFS/FM and Chronic Pain patients, among others, have created just such a situation.

Doc Judy and I have been getting a bunch of questions on how to pack your LTD claim file with information so that if you have your benefits refused or terminated your file will contain things that you must have in it if you want to have a chance to win a lawsuit for restoration of benefits. So, with her permission I used her suggestions to create a web page covering that information.

This page and its listed documents should be updated fairly regularly.

1. Background
2. Looking for Witnesses
3. Press Release June 24, 1998.
4. BUYING DISABILITY INSURANCE?
   Healthy people especially - Please read the above post
5. On Home visits by insurance adjusters et. al. [October 25, 1998]
6. On Filing LTD Claims [October 16, 1998]
7. A little more on EXTORTION by Insurance Companies
   Cf. Civil Use of RICO Laws
8. Rico Research Notes #1 [Aug. 28, 1998]
   
9. Rico Research Notes #2 [Sep. 03, 1998]
   
10. From an Insurance Agent
11. The real purpose of the Independent Medical Examination.
    More on the IME.
12. Subject: The Silencing of Physicians - The Truth is OUT
13. Subject: Doctors changing opinions
14. (HMO, ERISA, Insurance) Court News and Cases
15. Legal Research Summary, Aug. 13, 1998
16. Subject: Legal Ethics - Lawyers please READ THIS ONE
17. Response to request that I write the Mass. State Legislature
18. The Extortion Theory, August 19, 1998
19. Summary Judgements Manual - January 28, 1994
20. Analysis of Ingalls v Paul Revere [Life Insurance Company]
    In a matter of Bad Faith
21. Setoffs For SSDI (STANDARD INSURANCE CO. v SAKLAD)
    
22. Definitions of Disability [September 22, 1998]
    Government wishes to eradicate the concept [October 8, 1998]
    
23. The 2 Year Mental Illness Limitation Overturned and Why
    [October 20, 1998]
    
24. Federal Rules of Discovery [September 24, 1998]
    
25. A collection of short insurance horror stories.
    They're all doing it:
    UNUM, Standard Insurance, Provident/Paul Revere -
    Murder by Insurance is legal acceptable.
26. "This is a personal story. The Company is Paul Revere/Provident."
    It is a story of "Abuse of Power" by a large insurance company.
27. MATHEW O. FOREMAN JR.
    will help with your claims against General American.
28. UMUN glorified in Congress - Congressional Record
    Something to add to your evidence notebook to use against UNUM in court
29. CFS now "REAL" in Canada
30. A Primer on the Cause of CFS
31. Barbara, A CIGNA Claimant's Story
32. Judith Fogel's Case Against UNUM - (2 Parts combined)
33. Carla and "Sam's" UNUM Story Updated.
34. Robert Lessman's UNUM Story [September 24, 1998]
35. Another Insurance Horror Story has taken to the Internet
36. Standard Insurance Even Denies Its Own
    Read the Judicial Opinion and Order, both for reasoning and
    for precedents concerning the acceptance of "pain" and the
    weighing of evidence.