Just to be curious, I had a illness on the job cause from a spider bite to my lower leg and all most lost my leg. I Had short term disability insurance with Alfa insurance, I was out of works for 7 weeks to recover. I filed the claim three days after my accident. After six months of resolving the issues, in the contract in small black letters was the words not cover under insects bites. The insurance company wiggle out of this one, and I taking the lost. Is this legal.