Although most insurance companies at least try to do the right thing, it seems that to some insurers "right" means whatever saves them money. This has especially been the case in CFS and fibromyalgia, as insurers find they can pay experts to say the illnesses are in your mind. This will change as new testing (including XMRV) becomes proven for CFS/FMS. Meanwhile, here is an excellent article by a disability attorney that may help you and your lawyers in your insurance battle. It also lists 4 of the worst insurance company offenders, which have been named in about 5,000 lawsuits as they try to avoid paying the money they owe.