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The opening statement at mediation from the lawyer for the insurer, which was echoed by the insurance adjuster was that they were sorry about my client’s alleged disabilities, but regardless whether or not they were substantiated, these disabilities were irrelevant to the case

http://www.torontoinjurylawyerblog.com/2014/11/long-term-disability-claims-the-insurance-companys-greatest-defence-are-the-offsets.html#more