Insurance

I got to experience this earlier this year with my workplace's disability insurance. I had tendonitis and couldn't move my shoulder. Note that my workplace will NOT allow someone to return to work unless a doctor approves it. Which coincidentally requires a doctor appointment! I could only get doctor appointments a month apart, because, well, doctors are busy. When the doctor decided I could go back to work, the insurance wouldn't pay me for the entire previous month between visits because "there was no evidence that you were unable to work." You know, other than the part where it was literally against company policy for me to return to work...

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