try looking at pension companys , they are basically insurance companys , we've now retired you on the grounds of ill health , only for 3 years later , " you no longer meet our requirements for ill health " even though the condition is getting worse , even when doctors state " this will result in major surgery at a later date " but quacks representing the company state we can not find anything wrong , hmm strange that one even though i underwent major surgery a couple of years later , when this was pointed out , the <deleted> reply " we made the correct decision given the evidence we had , the right of appeal has timed out ,