This is a true story about an RN who knew she had job security; but also thought she had security should she become disabled, with her short and long term disability benefits that had been paid into for ten years. This is a story of how an insurance company can use fraudulent and deceitful methods to deny you your benefits; and there is a Federal Law called ERISA that allows this practice to continue causing America’s taxpayers to completely lose everything they had worked their entire life for. Laws must be made fair so each party has the same opportunity. Fraud is an out and out crime no matter who’s doing it and both should receive the same punishment for the crime. Read on and I think you’ll agree with me that changes must be made to this law to stop this deceitful practice from continuing. If you have disability insurance this book is a must read if you ever expect to get paid your benefits. All working class Americans need to read this book along with our lawmakers in Congress. This book will inform you of the things you must do if you ever have any hope of receiving your benefits should you become disabled. Remember illness and accidents can happen suddenly. Don’t be caught off guard; and have all your ducks in a row to protect you and your family from poverty. We can win this unfair problem if we all stick together and become one loud voice. If you have questions about the book or have a story of your own or if you would like to join the fight to get this law changed please click on the email link below.