>I agree that this feels like a market misalignment that could be corrected and make someone a boatload of money in the process This is already done. There ar

>I agree that this feels like a market misalignment that could be corrected and make someone a boatload of money in the process This is already done. There are law firms that specialize in disability cases on contingency - they take their payment as a cut of what your back pay would be if they win and nothing if they lose.