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DISCLAIMER: ERN Enterprises is not acting as your attorney in connection with delayed or denied claims for medical coverage by various insurance companies. ERN Enterprises training services do not constitute legal advice or legal consultation and do not establish an attorney-client relationship. The determination of the need for legal services and the choice of legal counsel are the sole responsibility of the Provider. You are encouraged to seek independent legal advice at your sole discretion. © 2015; Author: Ed Norwood; Project Administrator: Princeton Legree