An Obvious Note On Health Insurance, Short Term Disability Insurance In The USA

1. Publicly-traded insurance companies are legally bound to act in the interest of shareholders
2. This means profits should rise, and one avenue to achieve that is through decreasing costs
3. The profit margin per dollar of the insured is, in many industries, incredibly low. Think $0.10 per dollar or such.
4. Paying claims therefore are costly
5. Insurance companies are structurally incentivized to deny claims
6. The few that appeal their egregiously denied claims usually win, and their claim gets approved
7. These companies are incentivized to cause harm

It is important to know your rights. Education precedes the ability to navigate these disgusting waters.