Northwestern is the Quiet Company that silently screws its policy holders but is too big to fail

I am a board certified cardiologist with severe diabetic comorbidities. I have had occupation specific DI policies with NML since 1980. I am now legally blind, have no feeling in my feet or hands, have severe and disabling dysautonomia with severe low blood pressure and near syncope on standing for more than 5-10 minutes. I have restricted myself from the operating room due to the fact that my vision is so poor and my manual dexterity is non-existant. I am also unable to stand for more than a few minutes. NML claims analysts have determined that since I still go into my office to manage my staff and other physicians who work for me that I am not totally disabled. I was told that the policy I have was no longer being offered to certain professionals and that despite the fact that I can no longer performs one or more of the major duties of my profession, I am not considered disabled since the onset of the diabilities was gradual over 5-8 years that no definite start date can be defined and therefore I lose I filed an appeal but as you might guess, they ruled again in their favor. NML has played this game so many times that they know the loopholes and how to screw the policy holder who has no where near the experience in fighting the “giant.” If they should lose the case, their only outcome is to pay what they would have paid if the claim was settled fairly. When I argued that the NML representative misrepresented the product that he sold to me, their response was that the selling agent was just a salesman with no extensive policy knowledge. They also stated that they were not present during his sales pitch and therefore could not comment on any of his statements to me. Northwestern is the Quiet Company that silently screws its policy holders but are too big to fail, I guess.