MANY people have at least two jobs. One is doing whatever they do all day; the other is fighting their insurance companies.

My situation is even worse than most. My first job is also fighting with insurers. I'm a lawyer who represents corporate policyholders in coverage disputes, often with millions of dollars at stake. I'm also the mother of three sons, ages 2 to 10, who do things like fall on rocks and break out in high fevers at 2 A.M.