It is very different to work in the insurnace industry and deal with these claims on a day by day basis and to sit there and copy and paste text or provide links to websites.

I take it that from being "qualified" that you are a policyholder that took on an insurance company after having a claim turned down and for your own benefit I take it you won.

NU's definition of fraud is "the intention to deprive the insurance company of money or services that it is not entitled to"

Take from that what you will