> “Put yourself in the shoes of the insurer,” Howrigon said. “Why not just deny them all and see which ones come back on appeal? From a cost perspective, it mak

> “Put yourself in the shoes of the insurer,” Howrigon said. “Why not just deny them all and see which ones come back on appeal? From a cost perspective, it makes sense.” This is more or less how the UK government handles benefits (welfare) applications. It’s cruel and demeaning and damaging to health in many many cases.