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#claim denial
stalawyers · 8 months
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Top 5 Reasons Life Insurance Claims are denied
You planned ahead and got life insurance to provide financial protection for your loved ones. A life insurance denial is not part of your plan, but it can happen. Sometimes insurance companies refuse to pay out, life insurance claim denials are crucial to understand. Understand the reasons for life insurance claim denials. The knowledge ensures you choose the right policy. Right policy instills confidence that your loved ones will receive the financial protection you’ve planned for them. Additionally, familiarize yourself with the options you have if a life insurance denial happens, as we’ll discuss below.
What are the top 5 reasons for a life insurance denial?
1) False information in the life insurance application
The insurance company can deny a life insurance claim if the policyholder misrepresents, withholds, or omits important information. In the insurance application details given should be correct. Examples include lying about your age, withholding the fact that you are a smoker, or failing to disclose a pre-existing condition like depression or diabetes.
2) Policy exclusions
Life insurance policies often exclude coverage for certain types of deaths or other circumstances. Common exclusions include death caused by suicide, drug overdose, illegal activity, and specified hazardous activities (e.g., skydiving, bungee jumping). Every life insurance policy is unique. It is so important to read and understand the exclusions in your specific policy. If death is caused by factors excluded by the policy, the insurance company will deny the claim.
3) Expiration of term life policy
Term life insurance policies provide coverage for a specific period of time, known as the policy term (e.g., 5 years, 20 years). If you outlive the policy term and don’t renew coverage before it expires (assuming renewal is an option), the policy will lapse. The insurance company will not pay out if you die after the policy term has expired.
4) Non-payment of premiums
A life insurance policy can lapse due to non-payment of premiums. Once you miss a certain number of payments (set out in your policy), the insurance policy will lapse and no longer be in force. If you die while the policy is lapsed due to missed premium payments, the insurer can deny the claim.
5) Fraud
The insurance company will deny a life insurance claim if fraud is suspected. Fraud in this context means intentionally providing false or misleading information to obtain insurance or to receive a death benefit from a life insurance policy. Examples of insurance fraud include lying on the insurance application (e.g., providing false information about your health or hiding a pre-existing condition), providing false information about the cause of death, and staging or faking death.
Options when life insurance denial happens
It may be possible to contest or appeal an insurance denial or reinstate a cancelled policy. For example, if the reason is non-payment of premiums, it may be possible to appeal the denial or reinstate the policy by making up missed premiums.  
If your life insurance claim is denied, you must carefully review your policy and the written reasons for the denial. Additional documentation or evidence such as medical records, police records, or an autopsy report will be needed to strengthen the appeal. You should also consider seeking legal advice to contest the denial of a life insurance claim.
Contact https://simpsonthomas.com/contact/ or call 604-689-8888 Simpson Thomas & Associates. Speak to a lawyer today if you are facing a life insurance denial.
About Simpson Thomas and Associates:
STA is a prominent law firm, with a rich history of over 50 years. It is based in the lower mainland with offices in Vancouver and Surrey.
The firm is active in various practice areas. Namely, personal injury, family law, immigration, employment law, estate litigation, and insurance denials.
STA commits to serving the community with its legal expertise. Also, actively support causes that enhance the well-being of individuals and families.
Reach out and consult with us:
Phone: (604) 689 – 8888
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insurance-samadhan · 11 months
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Claim Denial
Insurance claim denial? Get expert assistance from Insurance Samadhan to challenge rejected health insurance claims and secure your rightful reimbursement.
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gwmac · 11 months
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Behind Smiles: A Patient's Nightmare with MetLife Dental Insurance
Part 1: My Battle with MetLife Dental. The Toothache that Morphed into a Financial Migraine. My fateful journey through the MetLife Dental Insurance labyrinth began in February 2023 when an everyday occurrence turned into an exasperating ordeal. I needed a routine replacement crown on Tooth 18 and anticipated no issues, given my dental insurance with MetLife Dental. As I would soon discover,…
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bzalma · 1 year
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Sue Promptly or Lose                
Failure to Report, Acknowledge and Make Claim to Your Client’s Insurer is Legal Malpractice
Barry Zalma
Read the full article at https://lnkd.in/gfK8iDSD and see the full video at https://lnkd.in/gKHi-KkG and at https://lnkd.in/guFuPbAS and at https://zalma.com/blog plus more than 4450 posts.
David Quaknine and several of his companies sued their former attorney and his law firm for alleged malpractice connected to a 2014 suit. The district court granted the defendants’ motion to dismiss. It ruled that the two-year limitations period, which at the latest began to run in September 2019, expired before the plaintiffs sued in December 2021. In Concepts Design Furniture, Inc., et al. v. Fisherbroyles, LLP and Alastair J. Warr, No. 22-2303, United States Court of Appeals, Seventh Circuit (March 31, 2023) the Seventh Circuit resolved the dispute.
FACTS
The parties called Comptoir, which did business from Quebec, Canada, were sued for intellectual-property infringement in 2014. Over a year later, Comptoir hired Alastair Warr and his law firm to negotiate a settlement or, failing that, represent Comptoir in court. Comptoir told Warr that it had a policy with Intact Insurance Company that potentially could cover defense costs and indemnify it for claims. Warr did not advise Comptoir to submit a claim to Intact nor did it do so on its own.
The lawsuit did not go well and the disclosures in the suit stated that Comptoir had “no insurance agreement.” A jury eventually found against Comptoir with a judgment over three million dollars in damages. In February 2018, Comptoir-through other counsel-told Intact about the attorney’s fees. The notice, four years after the suit, was the first time Intact learned of the intellectual-property suit.
Comptoir reorganized after the adverse judgment. The bankruptcy court declared Comptoir bankrupt and discharged the judgment debt from the 2014 litigation.
Intact denied coverage on September 10, 2019. When it demanded coverage, Comptoir sent to Intact (apparently for the first time) a copy of the complaint in the 2014 suit. In denying Comptoir’s demand in September 2019, Intact gave three reasons:
1. the suit against Comptoir was not covered under the policy.
2. because Comptoir “failed to promptly notify Intact of the [2014] Complaint and to immediately upon receipt thereof, deliver to Intact a copy of the Complaint,” it violated the policy and forfeited its right to and was “time barred” from reimbursement.
3. Comptoir listed its defense fees “as amounts due to creditors,” which implied that only the bankruptcy trustee could collect them.
Intact sued seeking a declaration in Cook County Circuit Court that it was not obligated to pay defense fees or indemnify Comptoir. Comptoir made its defense-fees claim outside the three-year statute of limitations applicable under Quebec law. Thus, Comptoir’s complaint and subsequent demand for reimbursement of fees was time barred.
On December 17, 2021, refusing to admit is errors and failure to promptly act, Comptoir sued Warr and FisherBroyles for legal malpractice. The district court granted Warr and FisherBroyles’s motion to dismiss the suit as untimely under Illinois law.
Both parties accept that Illinois’s two-year statute of limitations for malpractice suits applies to this case. They also do not dispute that the Illinois statute of limitations incorporates the so-called “discovery” rule, which delays the commencement of the relevant statute of limitations until the plaintiff knows or reasonably should know that he has been injured and that his injury was wrongfully caused.
Comptoir’s claim is not based on the mishandling of litigation. Rather, its claim arises out of the defendants’ alleged failure to advise Comptoir to file a timely claim with its insurer. These damages existed before-and regardless of- the outcome of the declaratory-judgment suit. It is undisputed that one explicit reason for Intact’s denial was that Comptoir failed to promptly notify Intact of the Complaint and to immediately upon receipt thereof, deliver to Intact a copy of the complaint, and that the policy stated that failure to notify meant a forfeiture of rights to compensation.
Once a malpractice plaintiff is aware of injury the plaintiff is not required to wait for a court’s judgment certifying that the plaintiff’s attorneys erred. Thus, the limitations clock for Comptoir started when it reasonably should have known of the alleged malpractice and that occurred, at the latest, when Intact sent its letter in September 2019 denying coverage to Comptoir.
The statute of limitations is an affirmative defense, and Comptoir was not required to anticipate the defense in its complaint. Comptoir accepts that Intact denied coverage in September 2019, starting the two-year clock that expired before it sued in December 2021.
ZALMA OPINION
Lawyers, like people not trained in the law, like their clients, all have an uncanny ability to avoid reading an insurance policy. The defense lawyer, with knowledge of the existence of a policy that could provide a defense to Comptoir, ignored the fact, answered discovery reporting no insurance, and defended the suit on its merits, only to impose a multi-million dollar verdict on Comptoir. After the judgment and a bankruptcy action Comptoir made claim for its attorneys fees only to lose because the claim was time barred. Waiting even longer it sued its lawyers for failing to advise it to report its claim to its insurer, only to lose again because it was time barred.
(c) 2023 Barry Zalma & ClaimSchool, Inc.
Subscribe and receive videos limited to subscribers of Excellence in Claims Handling at locals.com https://zalmaoninsurance.locals.com/subscribe.
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Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business. He is available at http://www.zalma.com and [email protected]
Follow me on LinkedIn: www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=barry-zalma-esq-cfe-a6b5257
Write to Mr. Zalma at [email protected]; http://www.zalma.com; http://zalma.com/blog; daily articles are published at https://zalma.substack.com. Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library.
Subscribe and receive videos limited to subscribers of Excellence in Claims Handling at locals.com https://lnkd.in/gfFKUaTf.
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Barry Zalma, Esq., CFE is available at http://www.zalma.com and [email protected]
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willjohn3621 · 2 years
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Manage Ambulance Services Claim Denials
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Properly handling insurance claim denials and appeal procedures for each type of insurance payer are essential for payment. The use of ambulances for non-emergency and routine transportation is assumed to be a serious and increasing issue. Third-party payers commonly refuse payments when ambulance use is considered inappropriate. Using a manual claim denial management process in medical billing is one of the primary reasons for high claim denials.
Insurance claim denial is a bitter reality for billing experts. Emergency Medical Services (EMS) billing department plays a vital role to avoid denials. The importance of the billing department in limiting claim denials is as follows.
Recognizes ambulance billing denial and appeal procedures for each kind of insurance payer.
Recognizes common denial explanations and how to prevent them.
Manages ambulance claim resubmissions effectively.
Billing staff must have accurate and comprehensive information to submit claims to payers. Improving billing denials and rejections begins with better quality patient care information and fault detection. EMS billers will save time and effort by collecting patient care data electronically and using a digital EMS workflow. For best results and fewer denials, implement them in combination with quality validation processes.
Ambulance Claim Denial and Appeal Preparation
Billers are never entirely accurate. Hold on to them close if you discover one that does. Prepare your EMS billing office by implementing advanced procedures for dealing with denials and rejections. Ensure that your EMS billing office has a committed specialist to handle denials, rejections, and appeals. The expert should be a skilled EMS biller competent in internal appeals. They must use their insurance company’s contact details to ask relevant questions, express concerns, and seek advice on appeals.
Following Up On Ambulance Claim Denials And Rejections
EMS billers should monitor denials and rejections for patterns. They may discover that unsigned authorization forms cause problems or that a particular insurance company consistently rejects claims. Consider these observations as chances to improve EMS data collection and ambulance billing procedures.
Reports will be particularly useful. Use EMS reports that include lists of denials, rejections, reasons for refusal, and the overall success of appeals. Track and examine data regularly to improve your processes and avoid reimbursement delays.
How To Avoid Ambulance Claim Denials  
Strategies must be developed to properly manage the denial management process and use it to increase medical practice revenue. Claim denial management is one of the most important aspects of a revenue cycle management procedure. Here are the following strategies for improving ambulance claim denials in your practice:
Patient Data Quality
Many issues can be avoided if registration is completed correctly.
Meet Deadlines
One of the most common causes of denial is a missed deadline. Creating a structure to maximize efficient workflow ensures that claims and all required paperwork are uploaded on time.
Reason for Claim Denial 
What was the underlying cause of denial? Was the patient aware of the procedure, and did they follow it? It’s simple to figure out why a claim was denied, but doing so can be a fatal mistake. If you can identify the root cause, you will be better prepared to deal with future denials.
Regular Analysis
The workflow is more productive with streamlined automation. Thus, denied claims can be quickly analyzed, fixed, and resubmitted. That lowers the probability of falling behind and raises more regular collections, assisting in maintaining profitability.
Track The Progress
Your practice should always be on top of the procedure from start to finish. You can rapidly identify problems with technology and regular analysis by monitoring where each claim is in the process. It also assists you in determining where common issues arise.
Notice Trends
Denials frequently share one or two characteristics. Regular analysis assists you in determining these trends and identifying causes, which better prepares you to combat revenue risks.
Efficient And Cost-Effective Denial Management
Many hospitals and practices lack advanced technologies and staff capacity to efficiently manage denials, especially in the face of constantly evolving regulations and payer rules. Outsourcing revenue cycle management to experts with dedicated denials management teams can be profitable and sustainable. We can assist you in establishing medical billing standards, reducing backlogs, identifying underlying causes of denials, and supplementing your revenue cycle team.
Learn more about how our medical denials management services can help your hospital and physician practice by reducing denials and improving compliance.
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anotherpjofan · 1 year
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The funniest part about the lightening thief is the fact that everyone was like "I don't know who Percy’s godly parent could possibly be" like they all really gaslit themselves even after the fact that the dude
a) had a powerful enough scent that chiron took time off to pretend to be his latin teacher
b) fought a minotaur with zero training and no weapons
c) drenched clarisse and her gang in toilet water
d) beat luke in a swordfight after drenching himself in water
e) was literally only good at canoeing
f) kept saying his dad was "lost at sea"
literally 5 minutes into the camp and Percy was all like
Percy: Maybe my dad is Poseidon his cabin feels like home -
Grover: No
Annabeth: No
Chiron: No
The whole camp: No
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When is Physical Therapy Medically Necessary?
Ensuring that your insurance will consider your treatment medically necessary is key to avoiding a denied physical therapy claim. Read on to learn what types of physical therapy services fall within this definition.
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francisabernathysgf · 5 months
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true love was invented when neil perry outright said "no" when todd anderson said that he could take care of himself.
"i can take care of myself"
"no. :)"
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thelilnan · 2 years
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careful what you wish for
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chrliekclly · 2 months
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i lov shipping deetress its so funny like 'yes dee's leading a basically kidnapped waitress n w a bag over her head nd she also proceeds to rip th waitress' hair out of her skull to remove it then blames HER for it but look @ that full body contact arm over th shoulder walk look how th waitress leans nto her'
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One of my pet peeves is people who claim that Will’s feelings for Mike were added in as fanservice for byler shippers. As someone who has been a fan of the show for many years, I can assure you that byler was never this popular until they explicitly introduced it in s4. It still had an active fanbase in the earlier seasons - mostly made of people who were into the analyst side of the fandom and recognised the seeds they were planting from early on in the show - but it was nowhere near as popular as mlvn was in that era, and there was no way you could talk about it in the main fandom spaces without instantly being shot down.
It’s honestly disrespectful to the story the writers are telling to imply that they only added in this layered and complex plot line to appease a portion of shippers, especially when that demographic wasn’t even large enough for that to seem like a profitable choice at the time. If they really just wanted to “appease mlm shippers,” then they would have made harringrove canon, because that was the most popular mlm ship at the time.
Byler wasn’t put into the show because it was popular, it became popular because it was put into the show. Those who like the pairing and theorise about their future in s5 are simply picking up what the writers are putting down.
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Fox: The guard doesn't really do Jedi.
Thorn: What do you call that then?
Looks over towards the tables where a Ten year old Padawan is enthusiastically explaining his life goals to a large chunk of the guard.
Anakin: And then once you're all free from Depur and his Sleemo Senators then you guys can go do whatever you want, there's a whole galaxy out there you know? And one day I'm gonna see all of them and it's gonna be totally Wizard and And maybe some of you can come with me and-
Fox: He's our Jetti'ika, doesn't count
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insurance-samadhan · 1 year
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Claim Denial
Insurance claim denial? Get expert assistance from Insurance Samadhan to challenge rejected health insurance claims and secure your rightful reimbursement.
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olasketches · 20 days
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me and like two other sukuna stans making posts about how miserable he is
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willjohn3621 · 2 years
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Common Modifiers In Medical Billing
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Do you realize that using incorrect modifiers in medical billing can get you in trouble? Worse, if you used the incorrect modifier and the insurance company paid you for the service associated with the modifier. Claiming the wrong modifiers can be a severe mistake. A provider must understand the significance of modifiers in medical billing, how to use them, and when to adjust reimbursements or maximize payments to avoid claim denials.
What Is A Modifier In Medical Billing?
Modifiers are essential in adjusting medical codes for numerous medical instances. They are employed when a physician chooses to execute a procedure uniquely without altering the definition of the process. It may also provide additional information about services conducted more than once or services that have happened unusually. The doctor must document the requirement for the procedure to receive compensation for services based on the code for medical procedures. As a result, the physician must add a modifier to the current medical code to represent the procedure transition. 
Modifiers are used in medical billing for various reasons. Some important reasons are as follows:
Claims are approved promptly, with no revenue gaps caused by denials, resubmissions, or follow-ups.
Some claims require a higher level of code precision to be submitted correctly.
The proper application of a modifier can reduce a medical practitioner’s claim denial rate.
The correct modifier application can result in a higher reimbursement rate from the insurance company.
HCPCS And CPT Codes In Medical Billing
Cpt Modifier 
CPT modifiers are two-digit numeric codes. The CPT modifier is used to provide extra information on medical processes, such as the reason for the process, the location of the process, a modification in the procedure, and the total number of doctors conducting the procedure. This data is described to the insurance payer in the format ‘CPT code-modifier.’
HCPCS Modifier
HCPCS modifier comprises two characters; a letter and a digit. HCPCS modifiers are organized alphabetically by coding category. The HCPCS modifier provides more information on products used for non-physician services. This data is described to the insurance payer in the ‘HCPCS code modifier template. 
Commonly Used Modifiers In Medical Billing
GQ – The GQ modifier is applied to services provided via an asynchronous telecommunication system. It is the system in which a doctor assembles a patient’s medical history, pathology reports, and images and submits them to a senior healthcare professional for review on diagnosis and treatment options.
Modifier 95 or GT-When all evaluation treatments and diagnoses are to be coded via telemedicine, 95 or GT can be used. This modifier can only be used when the treatment and medications are delivered via a telecommunication system, either by phone or video conferencing. Modifier GT is linked with modifier 95 only when directed by the insurance payer.
G0 – Modifier G0 is used to code for telehealth services provided to detect or treat the signs of an acute stroke.
Modifier 24 – Modifier 24 is added to an unrelated evaluation or management (Unrelated E/M) service provided during the post-operative period of significant surgeries done within 90 days by the same health care professional. This modifier cannot be used to bill for processes.
Modifier 25 – It is added to all E/M services performed on the same day as another significant surgery by the same doctor. It is commonly used in pediatrics.
Modifier 26 – When a service has both professional and technical elements, modifier 26 is used for billing the professional component. The physicians’ notes on the scans are considered the professional component, while the machinery used is regarded as the technical component.
Modifier 27 – This modifier can be used for several purposes. That includes when the patient is offered numerous evaluation and management services from the same or distinct surgeons and when the patient uses clinical services, pharmacy, and primary care on the same day.
Modifier 51- Modifier 51 is used for billing numerous procedures and services offered to the patient by the same provider but in a separate procedural setting or surgical session.
Modifier 59- This modifier indicates different procedural services distinct from the rest of the non-evaluation and management services performed on the same day.
Modifier 76- Modifier 76 reports a repetitive procedure done within the same day by the same doctor related to the original procedure.
Few Examples Of HCPCS Modifiers
AA- Anesthesiologists provide anesthesia services.
AD- Medical supervision by a healthcare professional for more than four simultaneous anesthesia procedures.
AH-Clinical Psychologist (CP) Services. 
AJ- Clinical Social Worker (CSW). 
GW- Service unrelated to the hospice patient’s terminal condition.
GY- Statutorily excluded item or service that does not fulfill the requirements of any Medicare benefit.
GZ- Item or service expected to be denied as unnecessary or unacceptable.
QN- Ambulance service has been given directly by a service provider.
If the modifiers are not applied properly or transferred correctly for payers, they are likely to be denied. By using the appropriate modifiers, billers and coders must avoid related problems and minimize claim denials. Our team of billers has been trained and understands the use of modifiers. We conduct an activity to determine the reasons for each claim denial and check the claims denied for coding issues for further investigation. That implies that few claims are denied due to the incorrect use of modifiers. We ensure that our customers benefit from lower denial rates, enhanced collections, and faster cash flow.
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mihai-florescu · 2 months
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Ive been brewing a theory that people are obsessed with demanding media show them morally good things because we're replacing religion with tv shows and pop culture in general in our everyday life. From one story, one form of escapism that dictates our life and community seeking to another, humanity has always been the same. Or rather, there will always be forms of control to keep us occupied and distracted (at the same time it wouldn't be so effective if we weren't intrinsically wired to seek a distraction from reality, so i can't even blame people who "fall" for it. I think it's a natural instinct that helps people build a lens to approach reality through, to stay sane in a meaningless irrational world.)
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