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his career, he specialized in general surgery but also practiced
general medicine. Petitioner served as deputy medical examiner
for the county from 1972 to 1993, where his duties included
examining deceased bodies and signing death certificates.
In the early 1970's, the P.C. purchased two disability
policies for petitioner and paid all premiums on behalf of
petitioner. One policy was issued by the Monarch Life Insurance
Company ("Monarch policy"), which policy provided generally five
different benefit payments based on the type of disability:
Disability Payment
(1) Blindness, loss of
2 extremities2 $60,000
(2) Loss of sight, speech,
hearing or 2
extremities $2,500/month for life
(3) Total disability from transplant $2,500/month for up
to 6 months
2The Monarch Policy provided that if petitioner had a
sickness or injury that resulted in total and irrevocable loss of
the use of both hands, both feet, or a hand and a foot, through
severance or otherwise, then, in addition to other benefits
payable, petitioner would receive the $60,000 benefit. This
benefit was payable even if petitioner could still engage in his
regular occupation and even if he did not require regular
attendance of a physician.
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Last modified: May 25, 2011