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1997--the date she signed the application. PRLIC reinstated her
disability policy.
On August 5, 1997, PRLIC received an anonymous phone call
from a medical doctor informing PRLIC that petitioner intended to
submit a fraudulent disability claim to PRLIC. Petitioner
offered this doctor money to certify a false psychiatric
diagnosis. Petitioner stated that she had a doctor’s stationery
and prescription pad and would write the medical reports herself
if necessary. The caller stated that petitioner was going to
attempt to increase her disability coverage.
On August 8, 1997, petitioner applied to increase the
benefit on her disability insurance. Petitioner stated in her
application to increase her benefit that she earned $136,483 per
year, approximately $11,374 per month (after business expenses),
from her law practice.
By May 19, 1998, PRLIC learned that petitioner visited Dr.
David Dixon on May 29, 1997, less than 2 weeks before the date
petitioner signed the reinstatement application, with complaints
of back pain and painful ambulation. PRLIC informed her that her
disability policy would not have been reinstated if petitioner
had answered the questions on the application truthfully and
disclosed the May 29, 1997, doctor’s visit.
PRLIC reported petitioner’s claim as a suspected insurance
fraud to the California Department of Insurance (CDI). CDI
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