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Hi I'm Gregory Dell, and I'm here today with Cesar good Vida hi Cesar hey Greg, and it's been a while Cesar since we've spoken about the Metropolitan Life also known as Met Life Insurance Company, and specifically I want to talk to you today about what kind of trends and things you've been seeing with the handling of long term disability insurance claims by MetLife both on the ERICA side and the non ERICA side which is the private disability insurance claims so what comes to mind when you get a phone call from a claimant, and they say you know I'm recently been denied by MetLife and what are my options and what can I do what's interesting about 10 minutes 10 minutes ago I got that call from someone claiming apparently out of California who had gone on short term disability, and she says well I was on for a couple of weeks they were paying me Nelson they say they didn't get you no medical records, or they don't have sufficient medical evidence, and they're denying my claims so at least the trends I've seen and you and I have handled many MetLife disability claims both on the insurance on the ERICA group side and on the individual disability policy side and where we used to see a lot of the individual claims denied we're probably seeing more of the group disability claims denied now probably just from the sheer volume of the group you know disability insurance that's out there compared to the individual products, but we have seen I mean just in the recent years we've seen probably a large increase in group disability claims denied as opposed to the individual we still see the individual claims denied but not not as many I think as we used to right and I think that you know MetLife said ministering their group claims I know we send a lot of stuff to Kentucky even though there are companies out of New York they're obviously all over the country, and they have their individual disability unit in Tampa as well as some people in New York but on the group side I'm seeing a lot of denials lately, and I'm seeing a lot of very cursory reviews by that I mean not thorough reviews using a nurse to deny a claim when someone's had you know has back issues or neck issues or solder or knee or chronic fatigue or lime or fibromyalgia ms whatever maybe those to a nurse reviews the records and says I don't see restrictions limitations deny yeah what are you seeing something similar that's yeah I'd have to say I see that all the time in the MetLife group disability denials that we've seen that we've gotten calls on and in this client in this case that I just told you about I probably took the call maybe 10 15 minutes ago this lady was actually an executive for a very large fortune 15 company, and she asked me that question she said I have all these doctors lined up saying I'm disabled and MetLife had I think a nurse review this, or you know someone who's not nearly as qualified as my doctors who are specialists and understand these conditions, and they're denying me I...