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AUGUST GINTER and LINDEN IN THE COURT OF COMMON PLEAS OF
R. GINTER, his Hife. CUMBERLAND COUNTY. PENNSYLVANIA
Plaintiffs
V. CIVIL ACTION - LAW
AMERICAN INTERNATIONAL LIFE :
INSURANCE COMPANY OF NEW YORK, 94-4629 CIVIL TERM
Defendant
IN RE: PRETRIAL CONFERENCE
A pretrial conference Has held before the Honorable
George E. Hoffer. Judge, on Wednesday, February 26, 1997.
In this contract case. David A. Baric. Esquire,
represents the plaintiffs; G. Daniel Carney, Esquire. (and
Gregory Teufel Esquire. appearing at the pretrial conference)
represents the defendant.
Plaintiffs borroHed a home equity loan from an
organization knoHn as "The Money Store". Various insurance
coverage Has offered to the plaintiffs as a part of this
process. one of the insurances being disability coverage for
repayment of the equity loan through a pOlicy issued by
defendant American International Life.
The primary contention in the case is
Hhether plaintiff, Mrs. Linden R. Ginter. suffered a permanent
disability, and/or Hhether she continues to incur such
disability. thus entitling her to benefits of the insurance
coverage. Plaintiff has medical testimony to the effect that
.' .
94-4629 Civil Term
Page 2
her injury is permanent; defendant has testimony indicating to
the contrary.
This is a Jury trial estimated to take two days to
try.
At the pretrial. defense counsel raises a Question
dealing with the legal interpretation of the underlying
insurance policy. Counsel admits that this is a Question of law
and not of fact, although no motion for summary JUdgment has
been filed to this point. Although the handling of this matter
will not impede the trial of the case. we direct defense counsel
to file such Motion in Limine by the close of business on
Friday. February 28. 1997, and we direct plaintiffs' counsel to
respond by the close of business on Thursday. March 6. 1997.
Plaintiff indicates at the pretrial conference that no
further relief will be pursued under Count 2 of the complaint.
By the CourL
Geor~,
David A. Baric. Esquire
For the Plaintiffs
G. Daniel Carney. Esquire
Gregory Teufel. Esquire
One Riverfront Center
Pittsburgh. Pa. 15222
For the Defendant
Court Administrator
Prothonotary
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V
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
Civil Action-Law
No. 94-4629
Plaintiffs,
v.
BRIEF IN SUPPORT OF MOTION IN
LIMINE
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK,
Defendant.
Filed on behalf of Defendant American
International Life Assurance Company
of New York
Counsel of Record for this Party:
G. Daniel Carney
Pa. 1.0. No. 00451
Gregory H. Teufel
Pa. 1.0. No. 73062
THORP, REED & ARMSTRONG
Firm 1.0. No. 282
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7779
...100
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
AUGUST GINTER and LINDEN
R. GINTER, husband and wife,
Plaintiffs,
Civil Action.Law
v.
94-4629 Civil Term
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK,
Defendant.
BRIEF IN SUPPORT OF MOTION IN LIMINE
AND NOW COMES Dafendant American International Life Assurance
Company of New York ("AI Life") by and through its counsel G. Daniel Carney,
Gregory H. Teufel, and Thorp, Reed & Armstrong and submits this brief in support of
its Motion in Limine:
STATEMENT OF FACTS
This action was brought by Plaintiffs August and Linden R. Ginter in an
attempt to recover benefits under a credit life and disability insurance policy issued by
AI Life. The documents constituting the contract and agreement among and between
the parties are a Certificate Evidencing Group Credit Life & Disability Insurance
Coverage number 12858 ("Certificate") and Policy number 08313 ("Policy"), which
Plaintiffs submitted their claim for disability benefits on March 10, 1992.
>o'toO
are attached to the Motion in limine as Exhibits A and B, respectively.1 Both the
Certificate and the Policy state that the aggregate disability benefits payable as to an
insured debtor under the Certificate/Policy is subject to a maximum of $20,000.00.
Linden Ginter claims to have become disabled as a result of several
workplace accidents occurring between 1985 and 1988. (Complaint' 13) Plaintiffs
purchased the credit life and disability insurance pursuant to a mortgage transaction
with The Money Store in April, 1989. The effective date of the Certificate was April
11, 1989. (Complaint' 8).
(Complaint' 21). On April 10, 1992, AI Life denied Linden Ginter's claim for
disability benefits on the basis that Certificate indicated that only August Ginter had
disability coverage under the Certificate. (Complaint Ex. G) On April 14, 1992, AI
lifE' reversed the April 1 0, 1992, denial because AI Life determined that the Certificate
was in error, and that Linden Ginter had in fact requested and signed for disability
coverage. (Complaint Ex. H) On May 11, 1992, AI Life denied Linden Ginter's claim
for disability benefits on the basis that her injury that caused her alleged disability did
not meet the definition of "Injury" contained in the Certificate and Policy, because that
injury occurred before the Policy was In force as to her. (Complaint Ex. I)
'''An insured's contract In a group polley Includes the master polley as well as the
certificate issued to a member of the group." Storti v. Minn. Mut. Life Ins. Co., 331 Pa.Super.
26,28,479 A.2d 1061, 1062 (19841.
2
3
JOllOO
Notwithstanding the denial, AI Life made a number of payments to The
Money Store. (Complaint 11 23, 26) On August 16, 1993, AI Life notified Linden
Ginter that it would not pay any further disability benefits under the Certificate
bacause she was no longer Totally Dlsablad as defined by the Certificate, based upon
an Indapendent medical examination by Thomas K. Howard, M.D., an orthopaedic
surgeon. (Complaint Ex. J) AI Life has not paid any further disability benefits to
Plaintiffs since August 16, 1993.
Plaintiffs filed their Complaint on or about August 12, 1994, asserting
two counts; one for alleged breach of contract and one for alleged misrepresentation
of the scope of coverage afforded Linden Ginter by the Policy. At the Pretrial
Conference on February 26, 1997, Plaintiffs withdrew the misrepresentation count,
and the withdrawal of that count was noted in the record. Thus, the only remaining
claim is for alleged breach of contract. Also at the Pretrial Conference, this Court
ordered AI Life to file a motion in limine and brief in support thereof to address the
following issue:
ISSUE
Whether Plaintiffs' Complaint should be dismissed as a matter of law
because her injury that caused her alleged disability did not meet the definition of
"Injury" contained in the Certificate and Policy, where that injury occurred before the
Policy was in force as to her?
(
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'OJIOO
ARGUMENT
Plaintiffs Complaint should be dismissed as a matter of law because her
Injury that caused her alleged disability did not meet the definition of "Injury"
contained In the Certificate and Policy, given that injury occurred before the Policy
was in force as to her. The definition of "Injury" contsined in both the Certificate and
the Policy Is as follows:
"Injury" wherein used herein means bodily Injury caused by an accident
causing total disability occurring while the policy is in force as to the
Insured Debtor and resulting directly and independently of all other
causes in loss covered by the policy.
The Certificate/Policy further provides that disability benefits will be paid when "injury
or sickness wholly and continuously disables and prevents the Insured Debtor from
performing the duties pertaining to his occupation. . ."
Where the language of an insurance contract Is clear and unambiguous,
a court Is required to give effect to that language. Standard Venetian Blind Co. v.
American Emoire Ins. Co., 503 Pa. 300,469 A.2d 563,565 (1983). No interpretation
of contractual language in an insurance contract is necessary or permissible unless
there is ambiguity which must be resolved. Steele v. Statesman Ins. Co., 530 Pa.
190, 194, 607 A.2d 742, 744 (1992) (Flaherty, J., dissenting opinion) (citations
omitted). Words and phrases must be construed according to the rules of grammar
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and according to their common and approved usage. Id.
4
,
10....
Read according to the rulas of grammar, tha Certificate/Policy, does not
provide disability benefits where the Injury that allegedly caused the disability occurred
before the policy was in effect as to the Insured Debtor. "There are three verb forms
in English that are known as verbals: participles, gerunds, and infinitives." Madeline
Semmelmeyer, M.A., and Donald O. Bolander, M.A., Litt. D., The New Webster's
Grammar Guide 195 (1987).2 "A participle is a verbal (verb form) which is used as
an adjective." lQ. The present particlpla is easily recognized; it always ends in "ing."
lQ. at 197. Because the participle is derived from a verb, like a verb, a participle may
take complements. Id. at 198-199. The participle with its complements is called a
participle phrase. lQ. at 199.
Many participles are used as pure adjectives. When the participle is used
as a pure adjective, it is usually placed directly before the noun which it
modifies. When the participle is used as a predicate adjective, it is found
in the predicate and modifies the subject. When the earticiele is used as
a eredicate adiective. it is found in the eredicate and modifies the
subiect.
Id. at 196 (emphasis added).
"Occurring" is a present participle. "Occurring while the polley is in force
as to the Insured Debtor" is a participle phrase. In the definition of "injury" contained
in the Certificate/Policy, "occurring while the polley is in force as to the Insured
Debtor" is being used as a predicate adjective. According to the above underlined rule
of grammar, because the participle phrase "occurring while the polley is in force as to
'An excerpt of this book is attached hereto for the Court's convenience.
5
...toO
the Insured Debtor" is being used as a predicate adjactive, it modifies the subjact of
the sentence in which it is so used. The subject of the sentence in which "occurring
while the policy is in force as to the Insured Debtor" is being used as a predicate
adjective is "injury." Thus, in the definition of "injury" contained in the
Certificate/Policy, "occurring while the policy is in force as to the Insured Debtor"
modifies "injury." Thus, the definition of "injury" in the Certificate/Policy does not
include injuries that occurred before the policy was in effect as to the Insured Debtor.
In this case, Plaintiffs admit that the injury that caused the alleged
disability occurred before the policy was in effect as to the Insured Debtor, Linden
Ginter. Resd according to the rules of grammar, the definition of "injury" in the policy
clearly does not include the injury that caused Linden Ginter's alleged disability. Thus,
Plaintiffs are not entitled to any disability benefits under the clear language of the
Certificate/Policy. Accordingly, this Court should dismiss Plaintiffs' Complaint as a
matter of law.
6
(,' ,
>o.tOO
CONCLUSION
For the foregoing reasons, AI Life requests that this Court grant Its
Motion In Limine, dismiss Plaintiffs' Complaint as a matter of law, and grant such
other relief as this Court may deem proper.
THORP, REED & ARMSTRONG
Dated: February 27, 1997
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7779
Attorneys for Defendant
American International Life
Assurance Company of New York
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- - - -_ -----:.-- _.~- ~_ ,_____~._ I
10.100
CERTIFICATE OF SERVICE
I hereby certify that a true and correct copy of Brief In Support of Motion
in Limine was served by Federal Express mail, this 27th day of February, 1997, upon
the following:
David A. Baric, Esquire
O'Brien, BarIc & Scherer
17 West South Street
Carlisle, Pennsylvania 17013
~H~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY. PENNSYLVANIA
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
Civil Action-Law
No. 94-4629
Plaintiffs,
v.
MOTION IN LIMINE
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK,
Filed on behalf of Defendant American
Internationel Life Assurance Company
of New York
Defendant.
Counsel of Record for this Party:
G. Daniel Carney
Pa. 1.0. No. 00451
Gregory H. Teufel
Pa. 1.0. No. 73062
THORP. REED & ARMSTRONG
Firm 1.0. No. 282
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7779
PtE.;U'r. ~l~c.c
iN .-G lc..
J. 1'0\ hll....
10'"'
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
AUGUST GINTER and LINDEN
R. GINTER, husband and wifa,
Plaintiffs,
v.
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK,
Dafendant.
)
)
)
)
I
I
I
)
)
)
)
)
Civil Action-Law
94-4629 Civil Term
MOTION IN LIMINE
AND NOW COMES Dafendant American International Life Assurance
Company of New York ("AI Life") by and through its counsel G. Daniel Carney,
Gregory H. Teufel, and Thorp, Reed & Armstrong and submits this Motion In Limine:
1. The Certificate and Policy attached hereto as Exhibits A and B,
respectively, are incorporated herein.
2. For reasons stated more fully in the accompanying brief In support
of this Motion, Plaintiffs are not entitled to any disability benefits under the clear
language of the Certificate/Policy, because the injury that caused the alleged disability
occurred before the Policy was in effect as to Linden Ginter.
WHEREFORE, AI Life requests thatthis Court dismiss Plaintiffs' Complaint
as a matter of law and grant such other relief as this Court may deem proper.
(. ~ -
IOS...
Respectfully submitted,
Dated: February 27, 1997
THORP, REED & ARMSTRONG
~~~
. D nlel arney
Gregory H. Teufel
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7779
Attorneys for Defendent
American International Life
Assurance Company of New York
II
,
2 i'
I,
I.
"
,
...'
"
:1
J.
3OJlI,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY. PENNSYLVANIA
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
Civil Action-Law
No. 94-4629
Plaintiffs,
v.
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW YORK,
Defendant.
ORDER OF COURT
This
day of
, 1997, upon consideration of
Defendant, American International Life Assurance Company of New York's Motion in
Limine, and all responses thereto, it is hereby ORDERED, ADJUDGED, AND DECREED
that said Motion is GRANTED and Plaintiffs' Complaint is dismissed with prejudice.
alllre
,....".__. I. "",r.. . .... __I It.. . . ...... .. .-
-.. -
ASSURANCE COMPANY ( NEW YORK
70 PINE STREET. NEW YORK. NEW YORK 10270
A CAPITAL STOCK COMPANY
(Herelnn"er Cnlled The Company)
C!ft .IFtCAT! I!Y1D1!NCINO O"OUP CREDIT liFE & Ol!^,"lITY INSURANCE'COVERAGE
SCHEDULE .
Inlormallon See lion
'Insurance ellecllve only If a premium appears In this box.
--.
(Hrr.flV," DAn: !'CulO """Al Al,IInUtll ''''','II't1rUnlf.1 ,.'HAL rnFulu.... LtOtUHL't' DISAlUllh
(l'I!I'\II'IA"rr IIIF OIr.AfUllIY IICHf.l' 'If"""
CIAtlFtCAII ,rm. _.---- I.A
HO"'''." LIFE O'S
.., 0" ,n Ilr,l()S I . LEN'~ , I..~~"'!J _~__LrF)"" I'"'" .~:
..-.- ---- -.---.
12858 4 11 89 180 30,OOl.0E- _~-,782.150 984 00 120 279.11
The Credit llfa Insurance Coverage L1mll Is $ ___." 3()., 9QO .99
The MOl\thly Disability Benelll L1mll Is $. . .. 279. 11
Nllme of Insured (1) __t\lJg\l.!!.~...c;;J.n~.~J;: -
Name of Insured (2) _Lj..ncl.e.'lJU!~nter
(Age) ,36 0.0..8. 6-23-52
(Age) . ...37.P,9..8. 5-19-51
--------- - -.-
CREDlfo~ BENEFICIARY
.~OVERAGE
.-..-. --.--- -.....-.
. ...,.,
LlFEINSURANCE
Decreeslng Term:
iXI Joint L1le
The Honey store
GROUP POLICY NO
DISABiliTY BENEFITS ON INSURED (1) ONLT4
IJ Retroactive to Ilrst ctry If disabled at least ... ... .. days.
I 1 Eliminating first __. days of any contlnous florlod of total disability.
8313
Second BllOeflclary:
Linden R. Ginter
IRIOHT TO tUANnl! SEr.otmAFiIUit:.~nY~ n;:<;iilVFf' n; Itl~imFnl
INSURED'S STATEMENT
This is to ~cknnwlp.dge Ihal my aga as Indicated Is true and correcl
~~/~~.".. .. .,--
August Ginter ~ ~ Name 01 Insured (I)
..~~(/vxO.tLiAJ i2../:J,~- 2'"<-<-1..__.
Linden R Ginter Name 01 Insured (2)
HEREBY ACKNOWLEDGES Ihatlhe Insured Debtor Is insured under the M~s'er Pnllcy issued to
(Herein~ller C~lIed The Pnlicyhnlder)
The benefils. terms. conditions and lim\latlons of such Insur~nce ~re setlnrlh in Ihe Polir.y. which Is the sole conlr~cl of Insurance. ~nd
are summarized below.
, LIFE INSURANCE BENEFIT
Upon receipt of due proof thai your dealh occurred on or aller the Ellecllve Dale of Ihis Certillcate and he fore your insurance with res per.I
10 the Indebledness has terminated as described In Ihe Section enlllled "Termination oflnsllr~ncp.." Ihe Company will pay 10 Ihe Policyholder
the amount lor which you are Insured at your de~lh to Ihe e.lent nf your IOdehlerlness to Ihe Pnlicyholder. Any amounl so paid shall be
applied by the Policyholder loward the discharge of your Indebtedness In any Ins lance where the amount of YOIII Insur~nce e~teeds YOllr
Indebledness 10 the Pollcyholde/. sllch e~eess shall hI' rayahle m "'" hep.rl;r;"v lIamell hy ynll II Ihe'e Is uo living named benefiCIary
al your Oealn. any suctrllalance shall be paid 10 Ihe e~eculors or 3,ln1ln'SI1310IS 01 your eslale. All such payments by Ihe Compj_n.y,c~hl!L-,
completely discharge the Comp~ny's liability with respect to tM arr~lInl 10 naid .
III Ihe case 01 joint Insur~nce the insured wlli he deemed tn he Ihe !nsw1 n.hlnr whn dies lirst In 1M event nl slmull~rienlls de~lhs 0'
.Ioint tn<IIIpd nphlnrs the Insured will be deemed 10 be the IIISlIled [1w', "hose liqllallHe appe~rs first on the inslrument evidencll10
the Indebtedness. and any benenl In excess of the amoun1 rCQtnrt'll1 ',~. i'i, . ';il' ;111111 ,,;:: ~,il paid :0 :~: ~~~::!!~!~!"I n1Mcd above (If
10 Ihe execulor or administrator 01 your eslate The lolnt crenit !i!r 'r"';"." ...'.rll\ w,11 nol ...ppd Ihp ~mo"nl 0\ jnslll~nce which wOlllrl
be paid If coverage were provided on a slnQle life.
SUICIDE
II you shall die as ~ result of suicide. within Ihe IIrst policy year the li~b,lily II' Ihe r:ompany hereunder sh~1I be Itmiled 10 Ihe paymclIl
10 your beneOciary In one sum 01 the amount 01 the permiums actually p~'d Inr such insurance
TM Amount 01 Insurance under this Cerllflcale shall nol e~ceed the anloultl 01 your Insurance staled In this cerllOcate or Ihe Master Policy
limit whtchever of Ihese !Wo amoUhls Is Ihe tesser During the first monlh of CO'ler~ge. the Inlllal AmoUnl of Insurance Is the slaled Inili~1
I\mounl or III,uldll,e. thereafter II is determined by progressively decreasinQ the 100tial Amount 01 Insurance by an equal reduction. dele'
mined by dlvldlng the Initial amoUnt of the term of the cerllllcale II YOll have prepaid any reaularly scheduled monthly InslallmenlSTo 111. '
Policyholder. these prepaid InSlallments 1'111I nol be deducted from the amount of Insur~nce '
In the event 01 suicide by one 01 the lolntlnsureds wUhln Ihe first policy year. fhe surviving insured's r.ovmae will continue and ~n appron"
ale rffund of Ihe portlnn of the premiums applir.ahle to Ihe dece~sed illsured w,lI he. ,uade
43681
QROUP enrDIT llrr AJ4D Ar.r:IDCf.f' "'In ~tl"..ljr~o; n "1Irll':'''U
~lIlr.llI: rr:rl,l!II',1
''''''1' Ilrr /0'." A' II
r,rIPA pmr.,
CUSTOMER COpy
Ellhihit A
lIlilll~."'&lIl." Or ..__"__
,*.~1IiMlr1 . .... ...~' .
~","e~," whrll~v~r used her pin O1ean5 '''' .Ire, r.~1I5I1'O t,.", 'li<1h,I,fy all~1 IIIr pnllrv h1' ,'II '" !",r.. .1~ to Ihr In~ured D!blnr ...,
,e-.."",O '" Inss ruveled by Ihe nnliry
"1f~N TIlL Y AENEFIT: When injllf\, 01 ~Il,:kn"~" 'Nlln1ly ,111" ,,,,,11I1'1f'1Ir:lv 'fl<;;lhl'''; 111111'11' .,lllP Ih. '''''II,,'ri Drhl", f'Il'I' J'tIIl"II11I'lfJ fl.'" I
1I~11 (IVt"V 'filly r",t;tlninQ 10 '115 flrrltp:lIinl1 ~l lit.. 111"11 III" ,h':~"lftlV 11I1'111'; II" 1111"" 111;111 14 1'1111~rr:llli'lP c1we:, Ih" """'1"'1\' ',' ,II
I"y 101 ~,lr.h rl.1V of such rli~~hilily ~ 'I.lily hOllplol qlrlll~lr"" I"" ,~,p nf l/~O nl MIlI"hll' Ilrllrlol ,1< <1,,",111,'11. Sr""rlll'" I..' II," ~"'"'"
III~ In,II'rd lI~hlnr shall be so di~~hlpd ~lIrl IIII1Ir! IIln 'PO"'.1O i:l/r .1,"1 ~lIolld,ll1rp nl .1'0/1~lIy '1",111'0'1 ~hY<lcl~n nr '"'Ur." "'''rl II,."
hilll,elf. rnlllll1rnring wilh the 1 s t rt,y III""'''' ..'
IlIp 11.,i1y hPIIPht shall conlinue to be Jl~iO wllllp 11111 hl'l1le,II',I,III' lI'IIl~iIlS v,h'lIlV ~,"1 rnnllllll'lll~ly ols~I'lpo fer a r~r1nrt nn' '" ..r"""
12 O1onlhs.
^lIpI Ihe rtaily hellelil h~s beell n~irt fm ~ nnlillll ", I;' ,,","111':, i'" .,hnvn 111I'11111'11",1. 1111, CIlllll'~IIY ",," 1',,,,lillllP 'n I\~Y ~ ll~"y hPII"h'
as long as III~ In~ured Debtor rem~ills whnlly all" I'I'nloll'lnIlSly dl..~hlnd. as dnhlll',1 hp/rll' ..~ Ih.,1 hp ,. 11Irvm,Ir,I h"IIl png~OlllO '" ""
nccupatinn nr Ilnm performing allY Walk I~r rnlll'",,~'Ii""I" ~'''lillnr whlrh hp. 1< rr.a~onahly 11l1allli",1 ~y reasoll III prtur.,I'~II. Ira,"lllp
01 p'ne,ieore. bulln no evelll beynnd tlm p.'rit.I"", "llh" ""'I,Ior~lo Imm "r.1Irrllll Ih" Schedulp ~bovA
'lie a010unl ollhe monlhly benelil payable hP.lP.lll1dcr as 10 ,"h'''II,!tI Dehlor Will h" "'Ilia 1 10 Ih~ nU'"lhly il1~IaIlIOP.llI,Ii,,, lit" r,'liryholdr'
by Ihe Oehtor and shall not exceed an ",lIflunl 0l'1,,"1I111P11 h\, "i'li"il1o Ihp '01~1 1",1i~1 ^lOnunl olln~ural1co by Ihe ","n~., nf monlh~ '"
Ihe scherlllleo ImlO of Indebtedness TlIP ~oor.g~'" 1,IUII'"lhly 1'",mlilS ~,yahl~ .1" In ~1I111"lIIrll {lp.~lnr IIndpr the f:"rlilir,lo will he eo""
10 the amounl 01 monthly benelilli"'p.~ Ihe OIl1l1hPi 01 Ill"" II 1" ill III" r,r1lelf"I",llrllll nf 1I1p. 10al1. r,uhjeclto a O1~.i,ulI," "I c20 ,000."
Benefils p~yablp. heleunder with 'Aspeclln Ihe III~IIIn" {l"hlll' ':h.II 'lilli' nvelll r,cp.e.1 11m IlIilml ^,"1111111 vf Insurancp ~1~I"rlln Iho Sched"l.
above.
EXct:USIONSfThfS-plan-Of D1~a~ll;tyll1~lllancr dn"r, IInl r~vr, In~.. r~lI..rrt hy ~r rp...lllting Irnm' (1) '"trntlonally ~pll ,"f1rl'\,p.o inr"''''
or f1ighlln ndn,scheduled alrcrall or (?lllIl1rr,~. '''~r''n. III l,hy~ir.11 rnl1rlillllll wllirl,'nl,lIy dl"~blnd thp IlIsured Dpbl~r ~I ~IIY IIO'P Oil"''''
llip six mnnlh ~erlorllmf1ledlal"ly nrpcPlti"t1"'" "II,,"Ii...". ,Ilt" '"~ I,i.. rr,lillr.lr '.I,'od ill Ihp. Sr,hoollle: (~) normal ~repn'ncv
DIMBllIfY ONLY rROVISIONS
UNIFORM PROVISIONS:
Nollce 01 Cllllm: Wrlllen notice 01 clallll "'1Ir,1 h" o,vrn In II," C""'11.1I'y w,'hlll Iwrllly rl~y.. aller Iho OCCllllel1Cr nf cn,n"'"l1c"mr'"
01 any lo~~ cove led by the policy; or as ~nnlllherr,lIr' ~..I~ rra'mmhly IlOsr,ihln IIr'I'rr IIlvrll by or on hehalf ollhe rlal,"~nl to Ihp COO1p'
ny ~IIIS Home Dlllce, New Vork. N.V . or In any alllhnrilprl ~orlll ollli~ r.omnallV. wilh illlnllnallnn ~lIlnclenllo Identify Ihp In~ur~rt Dphl'"
shall be dnemeo oollce to Ihe Comnany,
ClAim I'orm.: The Compaoy. upon recelpl of wlillnll nnlice 01 cl~irn. willl","Ir,h 10 1110 clalmanl such forms as are 1I~"a"y lurnlsh",t
by" fnr filing prools of loss. " such fnrms are nollllrnl~hAd wilhin IIlIrp.II rl~ys aflPl 11Ip. giving of such nollce. Ihe clalmanl shall be deeme,l
III have complleQ ,WI\h1lbtltqulrements of Ihe polocy ~s 10 prnnl nlloss uno II Ihn suhrnllllng. wllhln Ihe lime fixed In the nnllcy lor IiIln"
prool.4/-lo5S. wr\lt~pioo/ ,cave ling Ihe occurrence. Ihe character and exleol of Ihp. lor,~ for which clalm.Js ,made, _ ___
Prool 01 Lo..: Wrlllen proofs of In~s must bn I",,,ishprlln Ihr ClIlI1nany, III ,'~..n at cI~im lor lo~s 11Ir which the policy provides any
periodic payments conllngent ~pon conlinulng Ins... wilhin nillely r1~ys allp.r Ihr Ip.III1II1,linn of the nerlod for which the COO1peny Is liable
Failure 10 furnish such proof wllhln Ihe lime reQuilnrl shall nollnvalldalo nr 'Aducn any claiOl if II was not reasonably possiblA 10 give plonl
wllhin such lime. provided such proal Is lurnlshed ~~ sonl1 as Ir~~ou~hly nosslhln anrlln no ~vpnl. oxrpptln the abr,enre ollpo~1 capacily
01 Ihe clairn~ntlater Ihan one year from Ihe dalr vi II'~ lill1P nlnol i~ olllPrwir,n 'enulreo.
Time 01 Payment 01 Claim: Subjeclto duP. w,illpo 111001 nllos~. all ~rcllled honelils for loss for which the policy provides periodic
n~y,"p.nt will be nald each O1onlh and any bal~nrr 'emailllnll 1I11~~ld IIpon Ihe terll1i1mllon ollhA pp.liod olli~blllty will be paid Immedial~I\,
uron rnrrlnt nf dlle wrillen prool.
Pnyment of Claims: All benellls payabln heleullder r,halllJp naid In IIIP. nollcyholdnr In Ihe exlpnt ollhe Insured Deblol's in~ehledne"'.
lolh" Policyholrler. allhe lime cl~lm Is O1~de ^ny ~lI1ollnl ..n n~irl ~h~1I be anplicd hy Ihe rnlicyholder to reduce or exlingulsh Ih.. losured
Oebtor's unpaid Indebledness. In any In~lance whrrn Ihe hnoelils nayahle hcrp.undm p,rAeos such Indebledness. such exces~ ..h~1I be r,i.'
10 the InsurAd Debtor If living; olhprwlse to a serond heneliclary. olhpr than Ihe Pnllcyholder. named by the Debtor or 10 his "-slate
Physlcel Examination: The Comnany. at its own expense. sh~1I have Ihe rlohl ~nd Ornnrlunlly 10 examine Ihe person of any indlvloll"
wbose Injury or sickness Is Ihe hasls nf r.I~l," wh~n ano a~ nllon a~ it m~y rp~r,nn~hly 'P.ouirP d",inQ the pendency of a rl~lm h..reunrtol
Legal Action: No action at law or iu equity shall he hrllughlto locovrr on Ihr rnliry plilll In Ihp p',~lr~llon 01 slxly d~ys ~fter wrlll""
",nof 01 loss has been furnished In accordance with Ihe rell"ilrl,""I; 0111", ",,;Irv PI" <lIl'h a"'illll ,hall be blnllght ~Ilrr Ih. e,~i'a'io"
"I 'hree yeals alter the lime wrlllen proal of lor,< I.. leouirerl In ho lurnished
GENERAL PROVISIONS
Conformity With S'a'e Sla'ules: ^ny nroviSinn nlll,,, pnlicy which. no il~ olfnrlivr date Is In I'nllllicl wllh IhA ~Ialut..s flf Ihe slalp
In which the policy was delivered or Issueo fnr rlrlivrry ir, hrl~hy ~1I1p.llrl"d to ,:nlllollll wilh IIIP II1ll1ill"IOI reQulre01pnls 01 surh slatulp..
INCONTESTABILITY: No slalell'PlI1 m~dA hy vOlllel~lino III your 11I,,,,ah,lilV will hr II<Prt ill cIIIIIPsling Ihe validlly of Insur~nc.. Wilh
Insnncllo which such slatement w~~ O1~de altAI ..lIrh illr,"','lIrn h~.. h~euln f",rp. nlior In thp ronlp~1 Inr ~ nerloo nf two yp~rs durinn
yonr life lime. not unless It Is conlalnpo In a Wlill"1I i,,~IIUI"rlll ';lInrrl hy Y"II. , /'I'IW fll whl"', jr. III h~~ hnen furni..hprlln ynu
INDIVIDUAL TERMINATIONS: Ihnlnsural\l:r III ~ny IU""'OII Prhlnr shall ~ul"'";:I'r~lIy Ip.IIIl1I1~lr IInlhe earliest ollhe foll~wing dalnr.
(I) unnn discharge of Ihe Indehlndn~"" which Is "'" h~~I~ nl plioih,tily lor In~lII~nr" herp.uudpr. (2) whAn the Inr,ured Oehl"r <~lisfles Ihr
i'lIlrhl~rtn..~~ which Is Ihe b~~ls nl hi.. pliqihilily I'll i'''III~nrn ilnl""nll",lhrOllllh rlr~~vme"I. IrllPw~1 01 rnnn~nclng; 131 when any p~y01""1
Jlle (J" slJl:h i1ulelJlellnes3 has 1Jt!~jl ill jicfilllll Iw (i!~ 11'1.,1: 1'1 "I. III"": lIlfll.,,!i!.lIhml.f :hl" 1:",ilflCilll' 1m," !";1~teLlln IlIn hldlvh1;r.d CP.flirir.;I1t'
isslled 10 Ihe Insured Debtor.
" the Indebtednpss of Ihe InsurAd Dphlor i~ nairl nr ,nncpllrtl prim 'n ils mMlllil\' '1,'10 lIIP.n Ihi~ ill~\II~nre shall be termin~lrd .no il any
rh~lge has been made 10 Ihe Insurell Dehtor for r,lIril in~lIImlrp.. II,P III'r~",r,lrllllilnll Ihnrpnf sh~1I bp. paid or credllp.o promnlly 10 Ih.
1"..urP.d Deblor by Ihe Pnllcyholo~r. lhe mfnnd ~Imll he l!on~lln llip ~IOn"nl r""'r',II',1 hy ",. "r,lIm nl rtlqlls" formula cnmmnnly knnvlfI
ns tI'A "Rule ~f 78". No sll.ch refun!l nepd he 1Il~,Ip.. hnwPvp.I. II i'~ ,111lnllnl ,..",,"11'0 I~sr. 'han O'IP. dollar ($1.00)
II joint life rovrrage Is termlOal.rt With rr<rrr' In ,."r 1,'llrr 1"'''' """'",I~. II", ,..1",,,, "h~II eOIl~1 Ih. ollfr.rence hP.twprn IhA premium
actually charged for !he /olnl/lle roveraQe ~nrt Ih. ~rPlllilllll IhM W""IIIII~'e h""" ,11.lIlle'l II r'"IY r,ir'~le life r.oYeragp Im~ br"n nrrvltl""
at the time Ihe certillcale was IS~lIrd
In Ihe evenllh~1 a certlnca.lel~ 1....",," in ".rror I~ ' "'IIIlm"""l,1 wi", ",,'r",!, ".. ,.ltll,I,ifily ~oP ~1II1 Vihn ha~ correctly ~I~'rd Iii.. ~n" ."
wrttlng. Ihe eligible Insured 5 cover~ge shall conlin". .nrl ,n 'I'I"nll'i". ,pi,,,..! ,,' I',,, nor linn ~f Ihp premiums applir~hle to Ihp Inp.lioi~l"
In~ured shall be made.
!n thn evenllhat r.O\ler:!ge Is C~"',!ctp,II_'lIh uu~rp,,' ,.. II"" nl th. Inll1l OII<:I"(llt,= 'I." "II!,I" inr;wflrt'c rn\'I""fl" will r.nnliollP :m" ,'" ::1"(1'0""
ale refund of the portion of the prPllliurn illll1!1r,:1I,ht :1I II'" 111I'lillll',l'" In<:I\'I'11 ",il , " 11111111
" Ihe coverage on one Insllleo Onhlol re~"PS h""''Ie" "I """''''". r""'"'t,,,,~,. ,..,..I'"'hi"IV Ihi.. lI'inllifA rArtlfic~l". will ~. ,rr',1rorl b..
a single lile cAltlflcate. .
MAXIMUM LIMITATION 011 /lMnUNI!'l OF I.IFE MlO DIS/lBILITY INSURANCE
'he maximU~llirnllatlon Is only an jr"'lal ellOihilily ''''I,,',''nll'"' illl'l,' ,,,II ""' hr. 11,,,,1',, ,'rllY /II rp.dllcr. li,hillty undAr Ihp. ~olicy (CP'lllirale)
lIowp.ver. tillS will not preclude a~ InslllancA cnl11~~"y '"'"' rlmU~II01ll0 ~ lr~l\Illll""llIlI..~lale01pnt by Ihe deblor concerning Ihe amount
01 nrevluusly Issued Insurance dUllng the conlo~I~I'lr I'PIIOll I! 1 ,1~hll1l " I~""nll "'.'".1nrp ill e~rASS nllh~ lI\axlmum In prror the Insurpr
h~slhe rl~ht within SiXty (60). dayslrnrn the d~lp nlll'" loan '"'''''"1'~ ",,,r<.. rnvr"nP. ~"rl fplund tM excess eharge or lerfTlin~IA r,n':rragr
and relulld Ihe lull charge paid by Ihp. dp.ht~r. nrnv"II'IIIIr~ rll'hl/ll ,.,Ii'lr 'Ill Ilrp .,I"'<'"'PII' or Inrl11inMion date and. lor di'a~ililv C"':p'r~qp.
the dehlol has nol mellhe requlrpmonls nf Ihp. ",,,,,,",'110" pr""'1 n, \""""111'"""" "" 11m a'lll1slmenl or lerminalion dalp
/lMl'nlr.MllrnEf1I/~~NCE COMPANY OF NF.W YORK
r,p~lrl"'nl
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. .
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ailife
AMERICAN INTERNATIONAL LIFE
. .
ASSURANCE COMPANY OF NEW YORK
102 MAIO EN LANE. NEW YORK. N.Y. 10005
A CAPITAL STOCK COMPANY
(Hlrelnlher Called The Company)
Agreet With
TIlE MONEY STORE
IHerllnlllur Called The Policyholder)
That It will pay benelils for lot,sufflred by any Debtor of the Policyholder becoming Insured hmundltlha,..
In called the Insured Debtor) to thl Ixtent provided In tha Insuring cllusas, 'subJect to the ",captions, limitations
Ind provisions of this policy.
DEFINITION OF INJURY AND SICKNESS:
_....~~~~ ' .......""'.-
.....'.....,. ,,' ,~..' ell" "
w.&Jl!~_ __ ."_,, -' !e!Jit0ll._..
"Sickness" wherever lIIed herein meensslckl1lls cau.lng tot.1 dl..billty alur this policy hll been In fOfU II to 1he
In,uM Debtor Ind multlng In 1011 covered by thl. policy.
IN WITNesS WHER'EOF. Tha Company hI; collled thl. policy '0 be signed by Iu President and Sec:twury. but
tha same I. not blndlng on ,hI Company unless countersigned by lis duly authorized agent.
~ c: L,~'
.......ry V,
1Jv~~~
.._,- J'."'--- (f
Countersigned by
Licensed Resident Agent
~
Fo.m No. .-. ~'Z/1.
GROUP CREDIT ACCIDENT AND SICKNESS POLICY NO.
SINGLE PREMIUM
ExhibitB
NON.pARTICIPATING
"
I
)
r.
"
PART I. EFFECTIVE DATE AND POLICY TERM: this policy IlkeuHecl on APRIL 26, 1982
from which dllo oil In.urlnct y"rs ond monthss"-II be Cllcu.
IlIod. It mlY be conllnued In force by the paymont of premium IIlho role ond In tho mennor sUlt~ hotoln until terml.
nlltd II herein provldad. this policy mlY be lermlnlled II Iny lime by ollher Ihe Complny or the Pollcyholdar by
giving thlny..,no (311 day. prior written notice 10 Iho olher.
Termlnllion of this policy shill nOllHect unlfiClI..ln force on the dill of such lermlnlllon provided premium Is
paid II provided In Plrt VII.
PART II. MONTHLY BENEFIT: When Injury or sickness wholly Ind conllnuously dlilblll Ind pm-ona the In.
sured Dlblor from performing the dUll.. pertllnlng 10 his occupetlon II the
. tlme the di..bllll\' occurs for more than 14 consecullve dlyt, the Complny will PlY fOl' oach ct.y 01 such dis.
ability a dilly benelll calcullled at the rile 011/30 of Monlhly Benellt II lilted In tha Individual certlflc:allt of the
lmured Deblor fOl' the period the lmured Deblor shall be so dlUlbled and under the regular ClnI and attendance oft
legally qullllled phytlclln or surgeon. other thin himself, commencing with the Firat ct.y thereof bulln no
ovent beyond the expiration of the CertlflClla Term IUled In the Individual certificate 'ssued 10 the Insured-Deblor.
The dilly bene lit .hlll continue to be paid while the Insured Debtor remains wholly and continuously dlUlbled for a
period not to exceed 12 months. and Is uneblelo englllllln hi. occupation et the time dlsablllty began.
After the ct.lly benellt hIS been paid for a period 0112 month., a.ebove mentioned, the Company wlll contlnue to
, pay a dilly lienellt .. long a the Insured Debtor remllns wholly Ind continuously dlUlbled, as daflned herein, 10 thlt
he Is prevented from engaging In any occupation or from performing any work for compenSation or prollt fOl' which he
Is relSOlllbly qUill lied by rtIIOn of education, training or experience, but In no event beyond the explratlon of thl Cer.
tlflQtt Term lUted In the Sched"le above.
The amount 01 monthly benellt payable hereunder a. to en Insured Debtorwlll be equal 10 the month.... Installment
.... the Pollcyholdar by the debtor end shall not exceed en lmount determined by dividing the totallnltlal Amount 01
Insurance by the number of ,months In the scheduled term of Indebtedness. The Iggreglle of monthly benefits payable
a /0 an Insured debtOl' uncler the policy will be equll to the amount of month.... benellt times the number of months In
'the scheduled term 01 the loan,sub/eet /0 a Il\IlClmum of $ 20";000 or $450 per month.
,
.
PART Ill. ELlGIBI,LITY FOR AND EFFECTIVE All Debtors of the Policyholder who InI actively wortclng on a
DATE OF INDIVIDUAL INSURANCE: ~1I.tlme basi. fOl' II least 30 hours per week and under 65 years
of lilt II the time the Indabtedness Is Incurred are eligible fOl' In-
surance hereunder. The Insurance of eligible Debton fOl' whom application I. mlda on or befonl the effective ct.te 01
this policy '''-II take effect on said effective dete. To the group of Debton originally Insured shall be added from time
/0 time any new or other debton whose Insurance shill like effect on the effective ct.te shown In the Insured Debtor's
certlflCllt of Insurance.
. .
An Insureble lOin Is one which I. repiYlble In substantielly equal monthly Installments on a predeiermlned
repayment .chedule.
However, no insurance ."-11 be provided hereundar with respect to an Indebtedness of any DebtOl' If a chu;e fOl' In-
surance with respect to such Indebtedness Is required by the Policyholder and the Deblor dOlI not 1l\IfItl, on or prior to
the ct.le his Insurence would otherwise like effect, to the payment of such charge.
PARTlV.EX, CLUSIO~:~~~lcve,,t'.~~.!t<,i9",~~,or '~IlAI~~~~V~.awln;.
, . runisorl:'"ftlght In 'non1cheduled.eIn:raft or (21 nrnsai";::),"!Y. cir;. 'Which
. totally dlAb/eel the OebtOl' It env't1midijrjngth[si~ ;;;~nili'peilo(llmmedratelvpntillllftlftIMt~lialft.
. .....nce 'hereundar; (3) nOrmal pregnency.
Farm No. 60048 CPa.) 7ne
Page 2
..
.. PART V. INDIVIDUAL CERTIFICATES: Th. Complny wllllllu.IO Ih. Policyholder lor d.llnry wllhln 30 dIVl.IO
.och In.ured Indlvldu.l. . cenlflc," lining fonh I .umm.ry 01 Ih. ,".n.
tl.1 fulur. of the In,urlnce coverlge 10 which Ihe Indlvldulll. .nlhled,lncludlng Ih. .mOunt 01 ldonllfl.bl. charge to
the 'Indlvldu.l. II .ny. .nd Ih. condlllon. end lormull under which. r.fund or Iny .uch Idehllfllbl. ch'rgI would be
plYlbl. to uld Indlvldu.l. Th. cenlOClII .hlllll.o .UII th.l.ny benefllS plYlbl. under Ihl. Policy .h,ll be pold to \hi
Policyholder 10 reduce or exdngullh "'. unpold Indeblldn... rem.lnlng II Ihe 11m. 01 Ihe In,urld Deblor', dlsablllly.
In ony r.newal or reflnlnclng 01 In In.ured Indebled",". \hi effective dill of the coverllle II It aflectlony policy
Provl.lon .hlll be deemed 10 be Ihe lint dill on which the deblor beClme Insured under tho policy covering the
renewed 01' reflnonced Indebledneu, IIlem 10 "'e .Iltenl 01 tholmounlll1d Itrm of the Indebledn... oulStandlng II
the time 01 renowll or reflnlhclng.
PART VI. INDIVIDUAL TERMINATIONS: The Insurlnce 01 Iny.lnsured Debtor .hllllulomatlCllly termlnou on tho
earliest of thl lollowlng dlles: III upon discharge of the IndobllClnaa
which I, thl bI.l. 01 ellglblllly lor In.urlnce herlunder; (21 whln the Insured Deblor IIllslles the Indobledrwa which Is
"'I bI.l. of hi. IlIglblllty for In.urance hereundlr thN prlplymenl, renowll or reflnlnclng; (3) whln Iny poymant dua
on .uch Indebtldness his been In dollult for 60 doVl; or (41 upon the explrlllon of the CenlflCIII Term ItIIId In "'e
Indlvldull cenlflCllllllued 10 Ihe In.ured Deblor.
In thl "'Int 01 termlnltlon 01 Insured Deblor'. In.urlnce prior to the scheduled maturity doll 01 the IndebllClneu.
Iny unearned premium .hlll bI refunded or credlled to the Policyholder Ind. If Iny ldenllfilble chIrge his been rnedo
to thl Indlvldull lor .uch Insurlnce. the Policyholder shill promptly refund or credit to "'I IndlvlCluel en'{ unurnad
portion 01 .uch Idenllfilble chlrge. Thl refund 01 Iny .uch'ldenllfllble chlrge .hlll be equal to "'I amount computed
by the ".um of dlgllS" formull commonly known.. the '"Rule 01 78". prlWlded Ihlt no refund or credll need be mado
If thelmount "'ereol Is less thin one dolllr (51.001.
PART VII. PREMIUM CALCULATION AND PAYMENT: Premium for thl. poIlcy'.hlll be calcullted on tlII ball of:
,
No. of month.
In which
Indeblldness Is ReplYlble
6
12
24
36
48
60
72
84
96
108
120
Single Premium RIIII
por 5100
of Inhlll Amount of Indebledness
,
1.64
2.13
2.71
3.U
3.45
3.74
4.03
4.27
4.50
4.71
4.92
,
.
Form No. &0048 1'..1 lne
Plge 3
P,lmiuml 101 durlllonl nollhown will be IClulrillly conliltenl.
Thl IggI.glte 01 Ihl 1111911 pI.mluml 10 b. remin.d by Ih. Pollcyholdll 10 th. ComPlny will be cllcullled by
multiplying Ihl Ilngll PI.mlum Ippliubl. 10 tlch deblol'l 111m 01 lOin tim.lthl Inltili imounl ollnlu/lnoo 10 be
pro.lded 101 tlch d.blol,
Th. premium chl'V. 10 Ih. deblol will be ulcullled by mulliplylng 'h. Ilngl. PI.mlum 1111 Ippllubl. 10 lho
deblol'I I.,m 01 lOIn Ilm.llh.lnitilllmoun, ollnlullnc. '0 b. plo.ided Ih. d.blol,
Finl premium Ihlll be plid by Ih. Policyholder 10 Ihe Complny or Iu luthollud 1genl on 01 belolllhe 20th 01 Ihl
month nexl following Ih.",H.ftl.e dll. ollhll policy. PI.mlum 101 D.blon becoming Inlul.d Iftl/ Ihl elfe<:tiv. dill.
of Ihl, policy Ihlll be plld on 01 belore Ihe twentieth dlY ollhe monlh n.XI lucceedlng Ihe eHe<:ti.e dill of luch Indl.
.ldulllnlu/lllCl.
PART VIII. UNIFORM PROVISIONS: Thls Policy, the Ippliullon of Ihe Policyholder Il1Iched hl/1I0, Ind 1111..
Enlill ConlrlCt; Chlngel: m.nu. II Iny, of the Indi.ldulll Inluled, connltull thl enllll conl/lCl be-
tween Ih. plni" h"elo, All 1I11.m.nU mlde by Ihe Pollcyholdll, 01 by the
Indi.ldullI Inlulld, Ihlll bo deemtd IIpII..nllllonl Ind nol wllllnties, Ind no '\lllmenl Ihlll I. 'Old the fiiiurlnce, or
bo ulId In def.nll of I clllm undl/ It. unleu 1"1 conlllned In I wlln.n Itltem.nl, I copy of which h., botn fUlnish.d
to the Indl.ldulllnlulld.
No Ig.nt Is luthOllud to lit.. 01 Im.nd Ihls Pollcy,lo ICCtpt prtmluml In IlItllI 01 to extend the due dlte of Iny
premium, to wllvllny riollce 01 plool of diim requlr.d by thll Policy. 01 to .x'end the dlte bofore which Iny lUch
nOllce or ploof mun bo lubmln.d. No chlnge In 'hil Policy Ihlll bo .,lid unl.u IppIO.ed by the Compeny Ind e~l.
denced by endoll.men, h...on. 01 by Imendmenl hellto Ilgn.d by the Policyholdll Ind by .n executi.e officer of the
Complny.
Gllce Plllod: Unlell not lell thin 3f dlYI pIlar to the Pllmlum due d.le the Complny h., deli.lled to the Policy.
hold.r or hIS milled to thl lilt .ddresl II Ihown by the rocords of the Complny wrll1ln nollce of lu Intenllon not to
renew thll policy boyond the pl/lod for which Ihe prtmlum hll boen ICCepled . g/ICI period of 31 dlYS will be grlnlld
for the peyment of prtmlum, Iccrulng Ift.r the fim Pllmlum during which g/lce period the policy shill conllnue In
force, bul the Policyholder Ih.1l bo Iilble to tho Complny for the peyment orthe pr.mlum ICC/Ulnv for the period the
policy conllnuOl In force.
I! .ny Pllmlum bo not peld wllhln the dlYI 01 gllce '!I;II policy shill theleupon bo dlsconllnued, liut the Policy.
hold.. Ihlll, ne..nhel,", be IIlble to the Complny fOI Ihe Plym.nl of .11 premiums th.n unpeld. logell1.. wllh tho
Pllmlums for the dlYI of gllce. If how..el. wrln.n nOlic. ls gl..n by Ihe Policyholder to the Compeny during tho
gllce period. th.1 thll policy 1110 bo di,contlnued. .Ihi, policy Ihlll then bo dilCO/1tlnued on the dlle of receipt by the
Complny of luch wlln.n nOllce. but Ih. Pollcyholdor Ihlll, n.v.nh.IOI', bo IIlble to the Complny for the Plym.nl of
.11 premiums then unpeld, logethl/ with. pro r", prtmium for the period comm.nclng with the dlte on which the Iln
premium beclme duo Ind ending with the dl'. of receipt of luch wrinen notice by the Complny.
Notloe of Cl.lm: Wrlnen nOllce of clllm mull bo gl..n to Ihe Complny within twenty dlys.fter the occurrtnc:e or
commencement of .ny lOll co....d by thll policy. or II loon Ihelllft..., II reuon.bly possible. NOllce given by or on
beh.1f of the d.lmlnt to the Complny Illu Home OHlce. New York. N.Y., or to .ny .uthorlud 1gent of the Com.
pony, with Informltlon lulficlent to Idenlify Ihe Inlur.d D.blor Ihali bo de.med notice to the Compeny.
C',lm Forml: The Company. upon recelpl of wrinen notice 01 claim. will furnllh to the cl,im,nt lUch forml IIlrt
ulually lurnl,hed by It for filing proo" 01 Iou. If luch lorm, are nol furnilh.d withl~ fifteen days after the giving of
luch nOllce. the clllmlnl Ihlll bo deemed to hay. complied wilh Ihe requlllmenu 01 thll policy II '0 prool 01 Iou
upon lubmlnlng. within the 'I me fixed in Ih. policy lor liling proott 011011. wrlll.n proal co...lng Ihe occullence. tho
characler .nd ext.nl ollhe lOll lor which claim il made.
Prool1 of LOll: Wrlnen pIOO" 011011 mull bo furnilhed 10 Ihe Company. In UI. 01 claim lor lOll for which Ihil
policy providOl Iny peliodlc paymenu conlingenl upon continuing lOll. within ninety d'YI Ifter Ihe lermlnation of Ihe
pellod lor which Ihe Companv il lIabl., F,ilul. '0 lurnilh such prool wilhln Ihe time ,.qui,.d Ihlll nol Invalldole or
r.duce Iny clllm lilt WII nol Itlsonlbly poslibl. 10 give plool wilhin luch lime. plovid.d luch proof il lurnllhed IS
soon as reasonably possible and in no event. u.cept in the abience of le9i1 capacity of the claimant later than one year
from the date of the time proof is otherwiit requited.
FOfm No. 50048 IP. I 7na
Pag.4
r.
101...
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CERTIFICATE OF SERVICE
I hereby certify thet e true end correct copy of Motion In Limine was
served by Federal Express mail, this 27th day of February, 1997, upon the following:
David A. Baric, Esquire
O'Brien, Baric & Scherer
17 West South Street
Cerllsle, Pennsylvania 17013
._-
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\V
IN TUB COtJR'l' OF COMMON PLBAS OF CtlMBBRLAND
COUNTY, PENNSYLVANIA
AUGUST GI~'ER and LINDEN R.
GINTER, husband and wife,
Plaintiffs,
v.
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW YORK,
Defendant.
/
~
I
.
Civil Action-Law
No. 94-4629
DBFENDANT AMERICAN
INTERNA'l'IONAL LIFB ASSURANCE
COMPANY OF NEW YOU'S PRB'l'RIAL
MBHORANDtlM
Filed on behalf of Defendant
American International Life
Assurance Company of New York
Counsel of Record for this
,
Papty:
G. Daniel Carney
Pa. I.D. No. 99451
THORP, REED & ARMS'l'RONG
Firm I.D. No. 282
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7779
.
.
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()1! ~ J
,
~
"if
,1011"101110'" 1l00,tft
IN TBB COURT OP COJINON PLBAS OP CUHBBRLAND
COON'l'Y, PBNNSYLVANIA
AUGUST GINTER and LINDEN )
R. GINTER, husband and wife, )
)
Plaintiffs, )
)
v. )
)
AMERICAN INTERNATIONAL LIFE )
ASSURANCE COMPANY OF NEW )
YORK, )
)
Defendant. )
Civil Action-Law
94-4629 Civil Term
DBPENDANT' S PRETRIAL MEMORANDUM
I. Statement of Pacts as to Liabilitv
The Statement of Facts set forth in Plaintiffs' Pretrial
Memorandum is correct except:
(A) Defendant denies that any matter allegedly
pertaining to any unpaid or outstanding mortgage transaction with
The Money Store is relevant to any issue in the captioned matter.
(B) The payments made, if any, with respect to the
mortgage are not relevant to any issue to be litigated. Should the
court determine that payments are relevant, defendant demands
strict proof thereof.
(C) The documents constituting the contract and
agreement among and between the parties are a Certificate
Evidencing Group Credit Life and Disability Insurance Coverage
number 12858 ("Certificate"); and Policy number 08313 ("Policy").
,102III:OllJOll7 Jloo,..
ID) Plaintiff Linden Ginter's injuries if any, are
attributable to accidents which occurred in 1986 and 1987 prior to
the effective date of coverage.
IE) Plaintiff, Linden Ginter is not permanently
disabled.
IF) Neither the said Certificate nor Group Policy
require payment of benefits of any kind to plaintiffs, or either of
them other than such payments as have already been made.
II. Statement of Pacts as to DAm-aes
IA) Defendant is not liable for any payments allegedly
made by plaintiffs to The Money Store or to Pennsylvania Housing
Finance Agency nor are they relevant to any issue being litigated.
Should the court find that said payments are in any way relevant to
issues in litigation, Defendant demands strict proof of said
payments and any alleged related indebtedness.
IB) Defendant made no representations with respect to
the certificates and policy above-said. Said documents are
writings which speak for themselves.
IC) Neither plaintiff is entitled, pursuant to the terms
of the Certificate and Policy, to damages for alleged pain and
suffering.
2
,..
. ao2l1l;02/J0117 1:00,...
(D) Should it be found that plaintiffs, or either of
them, is (are) entitled to damages of any kind, said damages are
limited by the Certificate and Policy to $20,000.00.
III. Statement of Issues as to Liabilitv and D-m-aes
A. Liability
1. American International Life Assurance Company has
not breached any obligation which it has pursuant to the
Certificate and Policy.
2. Linden Ginter is neither totally nor permanently
disabled from employment.
3. Defendant made no misrepresentations to plaintiffs.
4. Defendant properly denied coverage.
5. Defendant's refusal to pay benefits is supported by
the evidence, facts, circumstances and medical opinion.
6. Defendant made no misrepresentation to plaintiffs
regarding medical opinion.
3
102III:OIlZOJt7 Zzoo,m
B. Damages
1. Plaintiffs are entitled to recover no benefit
whether allegedly referable to the termination of an alleged loan
or the payment of a second alleged loan from PHFA.
2. Plaintiffs are not entitled to recover any damages
for alleged pain and suffering.
3. Should it be found that plaintiffs, or either of
them, is (are) entitled to damages of any kind, said damages are
limited by the Certificate and Policy to $20,000.00.
IV. SummArv of LeQ'al Issues
Defendant believes that plaintiffs' alleged claim for
pain and suffering is barred by the applicable law. Defendant
believes that the issue should be briefed at such time and in such
manner as the court may direct. Plaintiffs' citation of authority
regarding misrepresentation is misplaced. There is no evidence of
negligent misrepresentation.
V. Witnesses to be Called
In addition
~;~ may call in
CHoward, ~-:;5 a
4
102"1:02/2011" 2:00,m
VI. List of Exhibits
Without admitting the relevancy, authenticity or
admissibility of any or all of the exhibits identified by
plaintiffs, defendant reserves the right to use any exhibit
identified by plaintiff and in addition, will offer Policy number
8313.
VII. Status of Settlement NeaotiatioDs
The statement contained in plaintiffs' Pretrial Statement
is correct with respect to the settlement demands and offers.
Defendant has no knowledge of the negotiations, if any, that
plaintiff, through counsel has, or may have had with Pennsylvania
Housing and Finance Agency.
Dated: February 20, 1997
Attorneys for Defendant
American International Life
Assurance Company of New or
THORP R[[D
ARM$lRONG
AnOMU'1 aT LAW luca 1.15
aregory H. Teufel
AttOTn6'f'
(\",'R..,~~"."'''
1,\",.t""'I'" .'.\ '~;:;\',.t,,'I"1
5
.11:' lM :"'~
~ ~:' ',,1.1 ;" '~". I .1'
.
10"":0:1120117 1;00pM
"t"
-
CBRTIPICATB OP SBRVICB
I hereby certify that a true and correct copy of
Defendant'. Pretrial Memorandum was served by telefax and first
class mail, postage prepaid, this 20th day of February 1997, upon
the following:
David A. Baric, Esquire
O'Brien, Baric & Scherer
17 West South Set
Carlisle, Pennsylv i 17013
THORP REEO
,-' .
ARMSTRONG
AnN"'" "' U. llMOI 1...
One Arvert,ont Cent"
PoIIIburg". PA 15222_
412304 7111
412>>t 2555 Fa.
II
( "1:/-
"
/~ ~'
-.--..
Lawrence E. Welker, Prothonotary
Cumberland County Counhouse
One Counhouse Z -
CarIlJc,.plr17O I
Re: Ginter v. I'.merlcan Inlernalional Life
No. 94-4629 . Cumberland County C.C.P
Dear Mr. We
lINpy H. Toulll
Diloc' Dlol 4'2 384 2317
Em.": O'.uf,IOthorp"ld,com
Admitt.d '" Ptnnlylv.nil
Ind Wilt Vlrglnl,
Enclosed for Iiling, please find Defendant's MOlion in limine and Brie In
Suppon Thereof. Also, enclosed please find an extra coversheet, please lime
stamp and relurn it in the self.addressed stamped envelope.
GHT/rg
Enclosures
cc: The Honorable George E. Hoffer (w/enc.)
David A. Baric, Esq. (w/enc.)
Daniel G. Carney. Esq. (w/enc.)
Joshua Kancelbaurn. Esq. (w/enc.)
1041lO
"
~~
Gregory H. Teufel
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY. PENNSYLVANIA
AUGUST GINTER and LINDEN R.
GINTER. husband and wife,
Civil Actlon.Law
No. 94-4629
Plaintiffs.
v.
MOTION IN LIMINE
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK,
Filed on behalf of Dafendant American
International Life Assurance Company
of New York
Defendant.
Counsel of Record for this Party:
G. Daniel Carney
Pa. 1.0. No. 00451
Gregory H. Teufel
Pa. 1.0. No. 73062
THORP, REED & ARMSTRONG
Firm 1.0. No. 282
One Riverfront Center
Pittsburgh. PA 15222
(412) 394-7779
94-4629 Civil Term
toll..
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
AUGUST GINTER and LINDEN
R. GINTER, husband and wife,
Pleintlffs,
Civil Action-Law
v.
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK,
Defendant.
MOTION IN LIMINE
AND NOW COMES Defandant Amarlcan International Life Assurance
Company of New York ("AI Life") by and through its counsel G. Daniel Carney,
Gregory H. Teufel, and Thorp, Reed & Armstrong and submits this Motion in limine:
1. The Certificate and Polley attached hereto as Exhibits A and B,
respectively, are Incorporated herein.
2. For reasons stated more fully in the accompanying brief in support
of this Motion, Plaintiffs are not entitled to any disability benefits under the clear
language of the Certificate/Polley, because the Injury that caused the alleged disability
occurred before the Polley was in effect as to Linden Ginter.
WHEREFORE, AI Life requests thatthis Court dismiss Plaintiffs' Complaint
as a matter of law and grant such other relief as this Court may deem proper.
,.
)Os...
Respectfully submitted,
Dated: February 27, 1997
THORP, REED & ARMSTRONG
~ r-r-~
. nlel arney
Gregory H. Teufel
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7779
Attorneys for Defendant
American Internationel Life
Assurance Company of New York
2
IOJ'"
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
Civil Action-Law
No. 94-4629
Plaintiffs,
v.
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW YORK,
Defendant.
ORDER OF COURT
This
day of
, 1997, upon consideration of
Defendant, American International Life Assurance Company of New York's Motion in
Limine, and all responses thereto, It is hereby ORDERED, ADJUDGED, AND DECREED
that said Motion is GRANTED and Plaintiffs' Complaint Is dismissed with prejudice.
J.
alllre
ASSURANCE COMPANY ( NEW YORK
70 PINE STREET. NEW YORK, NEW YORK 10270
A CAPITAL STfJCK COMPANY
(Herelnaller Called The Company)
--..--.....-.----.
Cl!ftTlFICAft !VIDt!NClNO OPlOUP CREDIT LIFE & ""IIBM-ITV INSURANClfcOVERAoE
SCHEDULE .
Inlormallon Secllon
'Insuranca elfecllve only II a premium appears in this box.
!"ec:rl\lF. OAT! ~1if.D ItullAl M"OUH' ,,, I ~I 1""!.lUlt.. '''''''L r"'ulu.... ,to,,'H\..DIS""lU"
OIIIli;IlIlA"H"F. III' nl!':Armll. """M' flfU!!'"
CIAU'ICAI! 'rm" -. ---- ".
NU.....en LIfE O'S
"0 OAV vn jlol051 I L.:!NrR S I "'~'H!'l _~...J.rF"'~ IUO! I .~:
..__ _._. ____NO' .._
12858 4 11 89 180 30.~00 2.782.150 984 00 120 279.11
The Credll lllll Insurance Coverage limit Is $__..).Q..9QO.99,
The MOF\lhly Disability Benefit limit Is $ .
Name 01 Insured (1) __"iJ81,1.!l.~...~.1,tl.~.!lJ;:
Name 01 Insured (2) __L.1.nd.e.IlJLl!Jnter
279. 11
,~OVERAGE
(Age) 36 0.0..0. 6-23-52
(Age) ....37. !"p,O. 5-19-51
CREDrto~ BENEFICIARY
..... .......,.
LIFE INSURANCE
Decreasing Term:
iXl Joint llla
The Honey store
GROUP POLICY NO.
DISABiliTY BENEFITS ON INSURED (1) ONlr
IJ Retroactive 10 IIrst ctry II disabled at least ....~.. .. days.
r 1 Eliminating IIrst __. days 01 any conllnous period of total disability.
8313
Second Blrnellclary:
Linden R. Ginter
,RlOHT TO elfANO! sir.oNOiiF;irr.r.IA~nF:qiRVFiiii;';I~iiMFnl
INSURED'S STAT!:MENT
This Is 10 ~cknowlf!dge lhal my age as Indicated Is true and correct
a~pL~~......... ...._-
August Ginter A ~ Name of Insured (1)
..;-'=)i.'Y~ilAAJ -I2.~'-<-/.._._.
Linden R Gioter Name of Insured (2)
HEREBY ACKNOWLEDGES Ihat Ihe Insured Debtor is Insured under Ihe M~ster Pnllcy Issued 10
(Herein~llP.r C~lIed The Policyholder)
The benonls. terms, condillOns and IImltalloos of such IlIsur~nce ~re set fnrlh In Ihe Policv. which Is Ihe sole contr~ct of Insur~nce. ~nrf
~re summarized below.
i LIFE INSURANCE BENEFIT
Upon receipt of due proof Ihal your death occurred on or ~lter the Effecllve Dale of this Certillcate and he fore your Insurance with respecl
10 the Indebledness has lermlnated as described in the See lion enlltled "Terrnin~llon nl Insur~nce," the Comp~nywill p~y 10 the Policyholder
the amount lor which yoU are Insured at your de~th to the exlenl nl your indehledness to the Policyholder. Any amounl so p~ld shall be
applied by the Policyholder loward Ihe discharge of your Indehtedness In ~IIY Inslance where the amount 01 YOUI Insurance exceeds your
Indebtedness 10 Ihe Pollcyholdel. such exeess shall hi' payahle In Ih~ honr.llriOlV 1I1mefl hy ynll If Ihere is 110 living named benericiafY
at your Oealn, any suclfbalance shall be paid to the executofs or ~dm,"'slf~IOfS 01 your nslate. All such payments by the ComJli!1U~
completely discharge Ihe Company's liability wilh respect 10 the amn'lAt so p~ld .
In the case 01 jolnllnsurance Ihe Insured will he deerned In he thr "';'''p.~ Dphlnr whn dies Ilrsl In Iho even I of slmull~rienus dealhs 01
Jolnllnsured Deblors, the Insured will be deemed to be the hlStI'r" [1p'~'" ',',I,n<o ,iqnalure appears Ilrsl on Ihe Inslrumenl evldenc"IO
the Indebtedness. and any benefit in excess of the ttmount rCQli ",--: . . .lIflll _~::; ill": illi:\1 :~ :~: ~::::=f!~!:!~/ n:!"'~1 "!t'ryVII t1r
10 Ihe executor or administr~lor 01 your est~le, The lolnl credHlH; .,. ... .1,. '.YIII nnt pvrppd Ih. amnllnt of Insurance which would
be paid II coverage were provided on a single life.
SUICIDE
II you shall die as ~ resull 01 suicide, within Ihe IIrst policy Yllar, :he hab,l'l, ,,' Ulo. COl11p~IIY hereunder sh~1I be IlmHed 10 Ihc paYfllp.II'
to your benenclary In one sum of the ~mount 0' the permlums actually paid lor such insurance
The Amount 01 Insurance under Ihls Certificate shall not exceed Ihe arnount 01 your Insurance stated In this certificate or the Master Polley
limit whichever of these two amouhls is the lesser During Ihe firsl monlh 011 cn'leragp.. the Inlflal Amli~"1 of Insurance Is Ihe slated Initial
Alllo."l 01 It"...,,"e, therealter II is determined by progressively decreasing the Initial Amounl of Insurance by an equal reducllon. deler
mined by dMding the Initial amO~nt 01 the term 01 the cerllncale II you h~vp. p,p.paid any reQularly scheduled monlhly InslallmenlSTo Iii''; .
Policyholder, Ihese prepaid InStallmenls will nol bn deducted from the ~rnnunt nr insur~nr.p.,
In the event 01 suicide by one of Ihe lolntlnsureds within Ihe Ilrsl polley ye~r. the surviving Insurr.d's covr.raoe will cnnllnup. aOlI an approp"
ate rehlnd of the portlnn 01 the premiums ~pplicahlr. 10 Ihe deceased In~lIlnd w,1I 110. made
43681
r,noup cnEOIf LirE AND Ar.r.ro[~' All" O:I("lI"lr~p, nnlltlrAl[
'ilfHit t rnnHIl'.1
""'I'" 'IfF A"".\' II
"rlf'A (3Inr.,
CUSTOMER COpy
fu(hibit A.
-U~I"l_....~ ,~, --, ....~~<
llt.lIiIi..-.iII'lII6Ilf ...., tr .If I
~I"k,,"~c;" whrllp.vp.r used herptn mean, ~". .1""" r':,1"'llllQ Irll,,1 tfi",hllily allp.llllf' pnlir.'/ h.ll; _'11111 '.'rf'" ,1<<; 10 fhfl 1"~Ured O~b or ,,,d
I '''''"iOlq 01' Inss rovered by Ihe policy ,
~1f~NTlIL Y AENEFIT: When injllr~' 01 ~Ir.kl"'''':'' .....11I,llv .'lIl,I"'I"'llIiWIlr.ly rtlqhlt"; HII' J"" "111: Ih- 1""111/111 (l~III"1 111"1' r""!ll1t1H'IIJ 1',1, .
"1Il11 f'IVf'iIY '!lIly r"fl~ininQ 10 hi5 IU'fllp:tlinn :11 lltl' IlIn,.. 111(1 111':;'IllIhly 11I"11It; 1111 11111'''' 111;111 14 j'I'I1r.flf':'1l1'/P dwc: !hl' f'f111l1'1"V ""111
I"y lor ~~rh ,f~v of such ~is~hilily ~ ,I~ily hrr,plil qlrlll~lrrl " "01' '~Ip nl I/~ll III Mor,'h'\, IlPIIPlil ,1" ':'11"1," IhO Srl'^rlll'o ,,,' 'ho P""''''
II,~ frlSllrpd Il..htor shall be so dis~hlpd ~Ild IJIHlp, II... rpqll'~' r:31P ","1 ~IIPllil~llrp III ., Ip,pllv '111""I,p,1 phy<lci~n or .II'gPP" ,'I"PI 'h.."
IIilllsell. rnllunenring with Ihe 1 a t dw ""',,',,'. " ,
II,.. i1~lIy IIPIlPIiI shall continue tn he I,~id wllilp II... ",,",rol fI..hh" lI'III~"'S Vi,,,,lIy ~lId rlllllrllll'lll~ly d'5~I"pd lor ~ r~"n~ nn' I" "rpp,'
12 monlhs. ,
^,Ipr Ih~ d~ily h~II~Iil h~s heell p~id lor ~ pr,ill,11I1 I;' "'''"11'':., ~s ,Ihllve mrll""'"~'1. II,~ (:IlII111~IIV ",," O'III1''''"P h' I'~Y ~ ,I",ly hpllp",
~s long ~s tI.elnsured Deblor rem~ills "'hlllly ~lId /'I'"hllllOIlSly lhs~hled. ~s del""',1 IIprPII" sn 111.,1 hp ,e IlIrvrlltr,l ""'" p'lg~a"'o ,,~ ~n\
nccllpation Of hnm performing ~ny work ,nr rOIllI'"I"II"" 0' r'''hl tOl which hr ,.. rr~snn~hly llu~h,m,t by re~soll III prluc~l,oo. Ira'nlllp
or e~pellenc8. bulln no evelll beynnd Ihe P.Xpil~h"" "I "'" f:p",IIr~le Term r-'~tf'll ill Ihp Schedulr ~hnve ,
The amount of the monlhly benefll payable hprellllder as 10 .",IIIr-1II1ll1 Oehlor 1'1,11 hp pqll~IIO "'e nll'II'hly 1I1S1~lIm"llt ,1110 Ih. r""ryholdr'
by Ihe Oehlor ~nd shall not exceed ~n mnllunl rlr'PI,"ln..1 hI' ,ljvillillO the Int~II",Ii~1 ^mounl 01 Insllr~IICo hy Ihe nlllnhPl n/months if!
Ihe sch~dlllerl tmm of Indebtedness Thr ~aorpg~'" /,1 1I11I1"hly ""Ilrllls p~yahlp ~.. In ~II 11I..llrrd n..hlor IIndpr Ihe r.p""ir.~lr 1'1111 be eOIl"
10 lire amount nl monthly beneflllimrs Iho nlllllhr, nl ,",'"11", ill Ihr sd,e,tlllr,llrlm nllhr loall. slIhjecllo ~ IIIa,",""n III 520,000."
Benoms payablr hereunder with respect In Ihe IlIs,"r,1 [""lltll ':h.1I III 1111 rvelll r'rr~oI Ihr IlIili~1 ^mlllllll ollnsuranro sl.lrd illlhe Schedlll"
above. ., ,
Exct:USTONSfThTS-pl~n'Ol OIs~hililylnslll~ncr rlocs nnl cnvrr In..s rall..r" hy nr rrslIlIIIIQ Irnm' (1) mlrntlon~lIy ...11 ,nllpM.." ,np","''''
or f1ighlln ndn.scheduled aircrall m (?) i1h,p~s. l1ise,'r. III f'hyslr~1 cnlld'lioll Wh",1t lolally dl<~blrd Iltp IlIsllred Doh lor ~I ~IIY t,OlP dll'''"'
Ihp sIx mnnlh perlnd Immedialnly p,prPlli,,[t Ihp """"'ive ,1.,," ,,' "is rr,IIlic.lr ..,.lrl1ln thn :>r.hodllle: f~) 1I0rmal rlPpnlncv
DtSABILI'fY ONLY PROVISIONS
UNIFORM PROVISIONS:
NoUce of ClaIm: Wrlllen notice ot cl~illl lIIust hp givrn In Ihr l:ollll'~ny w"hin IWPIIIV d~yo ~lIcr Iho orcullencr nl c",nmOnc"Ol"'"
01 any 105S covered by the policy; or as ~onn Iherr~lIrr ~s i~ rr~sormhly pnssihlr 1Ir'Iirr nivPIl hy or on heh~1f of Ihe cl~irn~ntlo Ihe Compo
ny ~t lis Homo Dlnce. New York, N,Y , or In ~ny ~nlhnrjlPI1 aprnl nl thp Company. with Inlnnn~tlnn sulncienl to Idenllly Ihp Insurp~ Dehlo'
slmll be dp.eme~ no lice 10 the Company.
CllIlm Form.: The Company, upon recelpl of IVIIIIr.1l nolice 01 c1~im. will IlIlIIish tn 1111I cl~lmanl such forms as ~re IIsll~lIy furolshorl
by II lnr nllng proofs of loss. II such lorms ~re nollnroished within fiflor.n d~ys allrr 11m giving of such no lice. the claim~nt shall be dee~e'l
In have complI'cl\Wllh11b' "qulrements 01 the policy ~s In pronf nlloss upOlllhr slIhmllllng, wltlun the lime fixed In the pnllcy for I,hno
prog' o/-Jo$S~wrll4k.pioilJ ,covering the occunellce, IIle characler and exlonl 01 Ihr. loss for which rl~lnUs ,made.. _ ._ '
Proof of LOll: Wrllten proofs 01 In 55 musl bo Inrnlshr." tn Ihr Cnlllp~ny. III ,'~sr 01 cf~im lor lus~ Inr which Ihe policy provides any
periodic payments copllngent upon coolloulng Ins~. within ninety daY5 allp.r tho Ir.nllin~linn 01 Ihe period for which the Company Is liable
Failure to furnish such proof within the lime reoui,r" shall nollnv~lIdalr nr leilur.o any rlalm if II was nol reasonably possible to give pronl
within such 11010. provided such proof is furnished ~s sonn ~s re~sormhly possihlo ~n" in no p.vpot. except in the ~hsenrp. 01 ,pgal capacity
of Ihe clairn~nt later than one year IrOlll Ihe "air 01 II1P limo prool is olhprwi<p. reouireil.
Time 0' Paymen' of Claim: Subject 10 dup. w,itton prool nflnss. all accruel1 hone fits for loss for which Ihe pOlicy provides periodic
p~yrnent will be p~ld e~ch month ~nd ~ny bal~ncr lem~inlnp IInpald upon Iho lerlllin~lInn ollhp prriod of lI~blllty 1'111I be paid Immedlalel\'
urnn rorrlnl nf due written prool,
Pnymenl 01 Claims: All benelits p,'yablr. hereullder shall br p~illln Iho pnlicyhnlder 10 the exlmll nl the Insured Debtor's indehlednes',
III II,p Policyholder, allhe lime cl~lm 15 m~do, ^ny ~'nollnl sn p~id ~h~1I hp ~ppliell hy Ihe Policyhnlder 10 redoce or exlinguish Ih.. Insurp,l
Debtor's IInpaid Indebledness. In ~ny In~l~nce whr,.. 1110 hrnelil~ p~yahle horr.lll1flcl pxreeds such indebledlless. such e.cess shall be r~;"
10 Ihe Insured Debtor If living: otherwise 10 a serond heneliciary. other th~o the Pnliryholder, n~med by the Debtor or 10 his p.state.
Physlca' Examination: The Company. al its nwn expeose. sh~1I h~ve the rlpht ~nd opportllnlly 10 examine the person of ~ny individll"
whnse InjulY or 51ckness Is the h~sis nf rl~lrn when aod as nflrn ~s It m~y rpasormhlv rrqllire l1urina the pendency 0' a claim hereunrl.'
Legal Action: No acUon allaw or iu equity shall br. hllJughllo rrcovor 0'1 Ihp polirv p,im In Ihp rxpiralion 01 slxly d~ys ~ftp.r wrillo"
"rnol 01 loss has been furnished in accorda',c~ v~th IlIe require'""III. ul IhlO ,,"ilrv II" <lIl'h ~I'Ii,," .IIAII be brollplll ~,Ip.r 1100 Plpiralioll
""h'eo ye~rs ~fter Ihe lime wrillen prool or Inss Is 'equlroel to hr. furnishr.d
GENERAL PROVISION!;
Conlormlty With Stale S'a'ules: Any provisioll nl Ihr I'nliry whir.h. nn Its rtlrrllvr d~lp. Is in !:nllfllrl wllh thp slalutrs III Ihe SI~lp
in which the policy was delivered or Issued fnr dplivrry i5 hr,phv ~'Ilp.lld"rllo I:OIIIOIm wllh lI1p millimllm repulremenls 01 surh st~tulr.s
INCONTESTABILITY: No ~Iale"'elll mal1e hy vnlllel~lilllt tu YOllr IlIslIIahililv will hp 1I0Plt ill ,:nnlPsllng Ihe validlly 01 Insurancp wilh
rr~pectto which such slalp.ment wa5 made ~1Ip.1 .."rh illSIll'lIrr h~r, hprll In III/rr prior tn Ihe cnnlpsl Inr ~ periorl nf two ypm dll,lnn
ynllr Iiletime. not unless Ills conlalnp.d in ~ w,illoll ill~IIIII/'PIII ..i',IIPel hy Y"ll. ~ l'I'f1V III Villi"', is '" has hoen IlIrnishpd 10 VOII
INDIVIOUAL TERMINATIONS: fholnsuranl:r ", ~ny 1",,"rrrll1rhlor sh~1I ~III'"I1:tlirally IrrminMp "II the earliesl or Ihe Inllowillg dales
(II IIpnn e1ischarge of the Indelllr.dllp.sr, wlllch Is Ihr h"sis nf rliqihility Inr Insuranr'f! hr.rp'IIl1l1pr. (21 when lhelnsured Op.hlor o~lI~fies Iho
IlIrlphlpdnp.ss which Is the b~sls nf hi.. pliOihilily 101 illSlll~nrr h",Pllnrlrr IhrOlloh prr.p~Vlllr"I. Irll.w~1 nr relinancing; (~) when ~nv pal'rnolll
Jlle ClI1 sudl iIltJ~tJlednes:J has l.J~~i1 ill dcl;ulH fill fi;~ 11'1'1': l!/ ,.: i IIIUII: 1IIlI"'(l!ir,llill:: 'II :hr l:llltlflcill.. Tl!rln ~I~red In 11m illdJvft1:MI CP"lifir~ill"
isslled \0 Ihe losured Deblor.
tllhe Indebtedopss 0' Ihe Insured Dr.hlor is paid or rancellpll,llinr In lis malll/il\, 'I,,'p lI...n Ihl~ ill~II'allre sh~1I be lerminalod ",d if ~ny
rharge h~s been made 10 the Insurerl Dphlor for Sllr.h insll'~lIrr. Ihp IIl1parllPrI 11111 1'011 Ihrrenl sh~1I br paid or credited p'oOlplly 10 Ihr
11I<lIIpd Deblor by Ihe Policyholder. !hp refllnd slmll hp f!qll,,'ln Ihr "mollnl rooll"""p,1 hy Ih. "slim 01 digits" formul~ cnmmnnly knoVln
~S "'0 "Rule 01 78". No such rolunel need h~ 1II::,fr'. IInwpvm. .111, ~11I",,"1 \",",lrll'. Irso limn 0110 dollar ($1.00)
If lolntlife covrr~g~ Is lcrmio~tpd wilh rporprl III "!lP '" Ihr 1","1 i",,",O"O, U". ''''11'''1 ',II~II rquat IIIe dlfforence hetwppn Ihp premium
~clua"y charged for rhe loin 1 life cnver~Qe ~nd Iho p,pmllllll III~I w'",hll,.",r Ill"" , ".IIlle,llf 1'lIly r,i,,~Ir. "fp. rovomgp h~~ bp"1I provlcl""
al the lime the certificate was iss"pd
In the event that ~ cerllflc~tp. Is iso"o" in o.lln' 10 " '''11'' i"'''"~11 ,',h,' "" 1''''' " . ,",",J"IoIV :tqP. all" ,':ho h~s cnlleclly r-lal,'rI ~is aq" ,n
writing, Ihe eligible Insured's coverage shall conlinll" ~nd ~" ~f1I"nl"i'lo ,.,,"", ,,"'P norlion ollhp prrmiums ~pplir~hle tn Iho Ineligihl"
inS:.ned :ihdii b[: mdde.
!n 'hIt l!ven! th::t' r.o'.'er:!ge is c~ntl!C'If1,1 \,IIi1h racf1Pr'1 I" /1111' nlll." ~mllll"<::' -fl.,,: If.
ale relund ollhe portion 01 Ihe prp,"ium ~Plllrr'J'I" ,,, 1111, ""'''11,1''" '...."'1'" .. '
If the coverage on one Insured nr.hlor r.n;'l~r.c; hr'>;I""" III rllwill", ':flll!t''':tt", I,
~ slngJe Iile certificate.
MAXIMUM LIMITATION 0/1 ^MOIJNIS OF LIFE MIO DISABILITY INSURANCE
num limitation Is only ~n i"ilial eligihilily '.""11P""'"1 all'l,' Vi,II ""1 lir ",,,,, I" tlrllV /II rr.d"rOIi,'hility under th.. pnlicy (certifirate)
" th.s will nol preclude an InSIll~nr.e cnll1p~IIY '""" rtr::llo"OIIlO ~ hallll,,'PIII ""sslalem,'nt by Ihe deb lor concerning Ihe..Jll]{lJUlI.
'''.!.oosly Issued Insurance daring the COOloslaW IIprintl I! ~ ,Irh'or os is~"rrl '"<"I~nrr ill exress nl Ih~ "1axlmllm in rrror. IheJnsiilPf
. Ihulghl wllhln sixty (601. days from Ihe d~tp nl 1110 Inao In ,p""r~ o..cr<< rnvP"~c ~nrl ,~fllnd Ihp excess Charge or lermill~lp coveraon
1 refund Ihe lull c~arge pa,d by.thr rlrhlor, prov'dl'd ",p, d,.tr'," ,.. :o1i'/r "" llir "'!""",pl1l n, Irllnio"lion dale and. 1m l1i'ahllirv CO'/p.r~gr.
,e dehlol has not 'leI the requ"POlrnls n, Ihr. "11111111""011 11"""" n, \'''11,11'1,'.'''',1 "II IIrn ~"Iustmrnl or terminMlon date
M~r:ntr:AN 1111 Enfl^J;-;;z;;::::.NCE COMPANY OF NF.W YORK
f'rn"rlont
,1;1" ;11":'1/1('1(1'< rn':r\"tln will r.nnlinllP :1nr1:m ::tI1I'Unflri
, t'.IlI"
',,,,tr,,,,V Ihi< I"illllile rp.rlificMp. will 1'0 ,ppl~r~11 bl'
'.'r.~"'I"'."';'\"J"".,
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~~.tW.m~\I'nIl~.l\lJ.nn"l\lJl\lJ'-~
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ailife
AMERICAN INTERNATIONAL LIFE
, .
ASSURANCE COMPANY OF' NEW YORK
102 MAIDEN LANE. NEW YORK. N.Y. 10005
A CAPITAL STOCK COMPANY
(HtIIlnlhor Callld Thl Complnyl
AgtIft WIth
TIlE MONEY STORE
IHerollllfur Called The Pollcyholderl
ThIt It will ply btntflu fOf 10t/lUfflrld by Iny DeblDr 01 the Polleyholdlr booomlng InsuNd Iltl'Iundw (hi..
In callld lIMIlmurtd Debtor) to thl eXllnt provided In the Insuring deuses, 'lUbJec:t to the Illctptl_. llmltatlonl
and Pfovlslonl of thlt polJcv.
"SIcknlll" whtrwwr UMd heAlln mu... slcknlll CIUIlng lDuI disability afIIr thlt polJcv.... been In fofc.. to lhe
lmum Debtor end muldngln Iou _red by this polJcv.
IN WITNesS WHER'EOF. The Complny h' e.eUMd this polley '0 be signed by III Presldtnt IIlCI Secnurv, but
lIMIsame Is not binding on /he Complny unllls c:ounllnlgned by lIS duly IUthorizld egont.
.~ c: L,~'
....-.v V,
/Jr~1'-~
'r..acs.nt - ." ...- -.. ~ ~
Counllnlgned by
LIotnsed Rllldlnt Agent
'" GROUP CREDIT ACCIDENT AND SICKNESS POLICY NO.
' ~ ..gM__
l-..::,::~~~",~._:,~::::~:::
Exhibit B
~I~:~!
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'ART ,. EFFECTIVE DATI! AND POLICY TERM: 'Thll policy uk.. efftcl on AllIL 26, 1982
from whIch dlle ell INUIIIICI YIIII end monlhl Ihlll bI colcu.
leled. 1\ mlY be conllnued In force by Ihl peymenl 01 p"mlum Illhlllte Ind In IN mlnnl! IlIte;d henln unll """,.
"'lid" he"ln prO'ilded. Thll policy mlY blllrmlnllld Illny Ilml by 11th" lhe Complny or the Policyholder by
glvlIl9lhlny-onl1311 elIYI ",lor written noll~ 10 Ihe olhl!.
Termlnllion 01 thll policy 1Il11l nol effec1 unlfieltelln lorce on the dill olluth IIrmlnellon "'O'ildld pnImlum II
plld "provided In Pin VII.
PART II. MONTHLY BENEFIT: When Injury or Ilcknell wholly end conllnuou,ly dlilbl" IIld pmenutheln'
. lured Debtor from perfonnlng the dutle. perulnlng to his occupIdon It the
. tlIIII thl dblbllllV OCCUII for more lhen 14 consecutive diY', the Complny will PlY for IIdl elIy of IUCh dll'
ability I dilly benefll Cllcullttd It the ratl of 1130 01 Monthly aenelll II r/ltld In thl Indlvldull 0In111c111 of IhI
InsulWCl Deblor for the perlod thelnsulWCl Deblor Ihlll bllO dlubled Ind uncllr thellgulu co,. end It\IIldInOI oh
"gally qulllfied phY'lclln or surgeon, other thin hlm..lf, commlnclng with the P1ut elIy theMl but In no
event beyond the e.pl"lIon 01 the ClnlficllI Term mled In the Individual ~rtlficlllllluld 10 theINUlld'Debtor.
The dilly benefll IIlII1 conllnul 10 be peld whll.lhe INUred Deblor I'Imllns wholly Ind conllnuously dluble<l for I
perlocl nollO exceed 12 months, end Is unlble to .ngoge In his occupetlon lithe time dlslbllllV began.
After the dilly blnent his been peld for I period of i2 monthl, lllbovl mentioned, the Company will cont1RU1 to
. ply I dilly lienent " long. the Insured Debtor ","Ilns wholly Ind contlnuoully dlubled.. dIflnld hIraIn, 10 thlt
hi h prevented from Inglglng In eny QCCUpellon or from performing Iny work lor COciijiiliAtlon or pront for which he
II lIasonably qulllned by .- of educItIon. Vllnlng or experllllCl, but In no IV",t beyond thellCplratlon of the Clr.
tlfIc:a\I Tlrm mild In thl SdMduII abcm.
The lmoUnt 01 monthly bInIftt pI'fIb" herlUnder II to In InAlred Debioiwlll bI aqual to thI monthI'( tnnallniint
Gle the Policyholder by thI debtor and shill not I.ceed In amount elIlermlnld by cIlvldlng the tollllnltlll Amount of
Insurance by thI number of months In the ec:hI<iJlld linn of lndebtedneu. ThlIIlIf'IIIII of monthly blnllItI paylbll
. tD en Insured debtor under thI policy will be equll to thI emount of monthI'( benefit tlmllthe number of monlhlln
. the scheduled linn of the 1oIn,lublect to Inw<lrnum 01S 20";000 or $450 per IIlOlltb.
.
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PART III. ELlGIBI.LlTY FOR AND EFFECTIVE All Debtoll of the Policyholder who IN actively WOIIdng on I
DATE OF INDIVIDUAL 'NSURANCE: !IJ,'lotlml ball for It 1_ 30 houn per MIk IRd under 86.,....
of IgIIt the lime thelnclebted.- II Incumd .. eIIgIbIl for In-
surance hereunder. The 1_ of e11g1b11 Debtoll for whom Ippllcetlon II mede on or before thelllec;tlvl dill 01
lhls policy ihall like effect on Mid lIffectl.. dill. To the group of Debtors origlnellY Insured shill bI added from time
tD time Iny MW or othw debtors whose Insul'lnce ....11 IIkl Iffect on thelffectlve dIIIlhown In the Insured Debtor'l
certlfica\I of Insul'lnce.
An Insu,.bie loan Is cine ;""ldi Is npiylble In IUbsUnlllll'( equel monihly Innallmentl on I p.dtiet ,,~neci
repayment Ichedull.
However. no Insullnce shill he provided hereunder with respect to In Inclebtedntll oleny Debtor If I cherge for In-
IUllnee with respect to such Indebtedness II required by the Policyholder Ind thl Debtor does not egree. on or prior to
the dill his Insullnce would otherwise like effect, to the payment of such eNr...
PART IV;~~':"~_f!S.: ,. .In Jgr..a<.!:tI!~,:n~t.~~
1UtII1y dlllblid th..oebt\lt ,.' "'r 'IIme43urTi'VIlii11::%~~pmoll'".,-"e1f1l. 'V. .- -- V' fl.~
L . .. ." ~. I. .
.....nee henunder:13friormal i>regnency.
Pave 2
...."' Ho. aOO4I Ch.' In_
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- "'I$'1f: ~ ~ - '. ;
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PART v. INDIVIDUAL CERTIFICATESI TIll Compeny wllllllUI 10 lha policyholder lor dlllvlry wllllln 30 dlVI, to
IIch Inlured Individual. I etnlllcallllnlng lorth Ilummary ollha auln-
till fllMII 01 thllnlulIRCI COVlIIgI to whIch tha Indlvldullll Inlllled,lncludtng tha Imcillnl of ldentlnabll chlrgelo
U.I'lndlvldull, If Iny, Ind thl condlllom Ind formull under wIllcII I llfund 0( Iny Iudlldlnllnlbll elll" would bI
plYlblt to Illd Indlvldull. TIll ctnlflcall Ihllllllo 11111 thlllny blnlnU PlYlbll undlr thll Policy Ihlll bI peld to tilt
pollcytoolder to reduct or ._lIngullh 11I1 unpeld IndlblednllS IImllnlng Illhlllme of Ihl Inlulld Dlbto('l dlublllty.
In eny rlnewll or IIllnlnclng of In Inlur1d Indeblednell. tilt I<<actlv. dill 01 thl coyer~. II h llllCU lilY policy
Provlllon Ihlll be deemld 10 bI Ihl lint dill on wIllell the dlblo( became hwurld under lilt policy covering tilt
re~td or reflNnctd Indeblednlll, ..llIrt 10 IllI ''''Int of lilt lmounllfld 111m 01 thllndebltdnlll outstanding It
tilt time of renewll or rennlllclng.
PART VI. INDIVIDUAL TERMINATlDNSI TIll In,urlnct of Iny .lnlUred Olbtor Ihlll IUlomellcally urmlNII on the
11111111 of U.I followIng dll": (II upon dllChllge of the lndeblednllS
wIllch II tht bllll of IlIglbllll'( for ImulIllCl hlllundtrl (21 whln the InlUlId OlblO( ulllflll the IndtbWdMg wIllch It
the bills of hll IlIglbllll'( fO( Imurenct herlUndtr thru p'lpeymtnt, rllltwel 0( renNnclno; (31 when "'" peymtnt due
on such Indtblldnea htI bI.n In dtllult fO( 60 cliVi; or 141 upon u.. .-plllllon of thl Certlflcatt Tlmi I\IItd In the
Indlvldull ClrtlflcalllllUed 10 tilt Inlured DlblO(.
In U.I ..Inl of urmlnlllon ollnlUred Deblor'llnlurlnct prior 10 U..lCheduled llIIIUII\'( clllI of the IndtbtednllS,
tny untlrned premIum shall blrefunded or cr.dlled 10 thl Policyholder Ind, \I Iny ldentlfllblt charge htI bttn mtdt
10 tht Indlvldull for luelllRluranct, U.I Pollcyholdtr ""II promptly refund 0( credit 10 the IncIlvl4U1111'ft unumtd
portIon of lud1ldlnllfllbll d11", TIll refund of Iny ludI'ldentlnlbll chargelhtll bllICluallO the IlllOUlII computtd
by tht "sum of dlglu" formull commonly known II thl HRul1 of 78", provided thaI no refund or c:rtd1t I*d bI rNdt
If u.t tmount U.lrtof II lea u'ln 0lII dollll ($1.001.
PART VII, PREMIUM CALCULATION AND PI. YMENTI PremIum for U.1s poIlcy'shall bI ClIculItld on the btslI of:
No. of monu'1 Slngll Prll1llum RI_
In wIllc/1 per $iDO
Indtblednessll RIPlYlblt of Inhlll Amounl of Indeb~
6 1.64
12 2.13
24 2.71
36 , 3.11
48 3.45
60 , 3.74
72 4.03
84 4.27
96 4.50
108 4.71
120 4.92
.
Fo'"' No. 1OO4rI1'..1 7n_
Plge 3
P"miuml for durlllons nollhown will be IClultlllly CIOn,i"lnl.
Th. 'Oll"gall of Ih. Ilngl. prlmluml 10 be rlmln.d by Ih. Pollcyholdlt 10 Ill. ComPlny will be cllcullltd by
mulllplylng Ill. Ilngl. prlmlum .ppllcabl. 10 IIch deblor'llltm of lOin IImlllll. Inlll.1 imounl ollnluflnClIO be
provided lor IIch deblor.
The premium chlrvl 10 Ihl deblor will be calcullltd by mulllplylng the ling II premium till .ppllcabll 10 lhe
doblor'llerm 01 lOin Ilmeslh. Inlllll lmoun, of Inlutlncllo be provided Ih. deblor.
Flnl premium Ihlll be plld by ,he Policyholder 10 the Complny or lIS .uthorl,ed .genl on or beforl the 20th ollh.
month n"llollowlng Ih'Jff'!'1lv. dlle of Ihl, policy. Prlmlum for Oebton becoming Inlured .hlt Ih. .ffectl.. dill.
01 thll policy ,hili be pold on or beforl the twenti.th dey 01 the month n,xllucceedlng Ih. .ffectlv. dill olluch Indl.
vldulllnlurl_.
PART VIII. UNIFORM PROVISIONS: Thll Policy, Ill. IPpllcallon of Ih. Pollcyholdlt Il\.Iched herllo. Ind 1111..
Entlrl ConlrlCt; Ch.ngel: m.nlS, II Iny, 01 th. Indivldu.I, Inlured, conllltult Ill. .ntlrl tontnCl ....
tween th. plnlel hitI/O. Alllutem.nu midi by m. Policyholder, or by tho
Inellvldulll Insured, Ihlll be d.emed reprel.nutlonl Ind not wlttlnlles, Ind no IUltlmlnt IhllllYold tholniu"ilnc., or
be Uled In del.n.. of . cl.lm und" It, unl... It II contained In I wrlnen \tatem.nt, . copy of which hIS been furnlwd
to the IndlvldulllnlUrld.
,.. -
No 1gent II IUlhorlled 10 Iller or Imend mil Policy,lO Iccept premlumlln ItrUn or to ut.nd the dUI dill of Iny
premium, 10 wllvl.ny riollce or proof of diiin required by thll Policy, or 10 .xt.nd the dllt befQt. which Iny IUch
nollce or proof must be lubmlned. No chlnge In thl, Policy IhllI be .llId unlea approved by \he Camplny and ri',.
denced by .ndonem.nl hereon, or by amendmenl herllo signed by the Policyholder and by an exeartlv. officer of the
ComPl/lY.
Gr_ Period: Unl... nolless than 31 dlYs prior 10 th. premium due delt the Compony hIS dtllVlted to tht Policy.
holder Of' has IlIIlIed to the list ldelr... IS shown by m. recorda of the CamPl/lY wrltttn notice ollIS lnt1ntlon not to
r.new this policy beyond the period for which Ih. premium hIS betn eccepled a gtIC8 period of 31 days will be "Inttd
for tha poym.nl of pr.mlums occrulng Ifter the first premium during which gtIC8 period tht policy ""II condnue In
force, but tha Pollcyhold.r "'"II be 1I1b1. 10 the Complny IOf Ih. peym.nt of'the premium IOCnIlng fOf' tho period the
policy tonllnualn force.
If Iny pr.mlum be not pold within the dlYS of grlci 'thl, policy "'"II thtreupon be discontinued, 6ut tho Policy.
holder "'"II. nevertheless, be IIlbl. to the Complny for the poym.nt of III premiums then ullplld, together with the
premiums for the d.ys of grlce. If however. wrlnen nOlice I, given by Ih. Policyholder to the Compony during the
vr- period, thl/ this policy II to be discontinued, JIll, policy "'"II then be dilcontlnued on the cIIlt of recelpl by the
Compony of ,uch wrin.n notice, but the PolicyhOlder ,hili, nevertheless, be 1I1bI. to the Company fOf' \he paymenl of
all premiums than unpold, logethlt with. pro r'JI premium fOf the period commencing with the cIIlt on which the lut
premium becam. due and .ndlnv with the dele of recelpl of ,uch wrinen notice by the Complny.
Notice of Cl.lm: Wrlnen nOlice of dllm must be given 10 'he Compony within twenty dlys aher the occurrence or
commencemenl of any Iou covered by this policy, or "'oon therllfter IS I, rttSOnIIbly posslbl.. Notice given by Of on
behalf of tha dllmlnt 10 the Compony at lIS Home Office, New Yortc, N.V., Of' to any authorized event of \he Com-
PI/IY. with Inforlllltlon sufficient to Id.nllfy th.lnlUred Oeblor ,hall be deemed notice to the Camplny.
crllm Forms: The Compony. upon recelpl of wrllten nOllce of elaim. will furnl'" to the elllmanl such forlll/II ara
u,ually furnished by il for filing proofs of 10\$. lI,uch forml Ire nol furnl,hed withi~ fifteen deys after the giving of
such notice. the clalmanl ,hili be deemed 10 h.vo complied wilh Ihe raqulremenu of this policy II 10 proof of Iou
upon submlnlng, within the lime fixed In the policy for liling proofs of Ion. wrlnen proof covering the occurrence. the
chlrlCler anel extenl of Ih. loss for which dllm II mode.
Prool1 of Loti: Wrlnen proof, of loss mun be furni,hed 10 the Complny. In case of dllm for Iou fOf which this
policy provldel InV periodic plymenlS conllngenl upon conllnulng loss. wilhln ninety davs after tholermlnlllon ollhe
period for which tI" CompI,.". i, liable. Flllure 10 furnl,h 'uch proof wilhln the lime required "'III nol Invllidllo Of
reduce Iny clllm If It WII nol relloftlbly pos,lble 10 give proof wilhin ,uch time. provided IUCh proof I, furnished II
,oon II rellonlbly possible Ind in no event, excepl In Ihe Iblenee of legal capeclty of the clalllllnllller Ihln one ye..
from 'he dlle of the lime proof i, olherwise required.
Fonn No. 10048 tPel 7n_
Plge 4
)0)111
CERTIFICATE OF SERVICE
I hereby certify that a true and correct copy of Motion in limine was
served by Federal Express mail. this 27th day of February. 1997. upon the following:
David A. Baric, Esquire
O'Brien, Baric & Scherer
17 West South Street
Carlisle, Pennsylvania 17013
.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
Plaintiffs,
v.
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK,
Defendant.
Civil Action-Law
No. 94-4629
BRIEF IN SUPPORT OF MOTION IN
LIMINE
Filed on behalf of Defendant American
International Life Assurance Company
of New York
Counsel of Record for this Party:
G. Daniel Carney
Pa. 1.0. No. 00451
Gregory H. Teufel
Pa. 1.0. No. 73062
THORP, REED & ARMSTRONG
Firm 1.0. No. 282
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7779
...100
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
AUGUST GINTER and LINDEN
R. GINTER, husband and wifa,
Plaintiffs,
v.
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK,
Defendant.
I
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)
)
)
)
)
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Civil Action.Law
94-4629 Civil Term
BRIEF IN SUPPORT OF MOTION IN LIMINE
AND NOW COMES Defendant American International Life Assurance
Company of New York ("AI Life") by and through its counsel G. Daniel Carney,
Gregory H. Teufel, and Thorp, Reed & Armstrong and submits this brief in support of
its Motion in Limine:
STATEMENT OF FACTS
This action was brought by Plaintiffs August and Linden R. Ginter in an
attempt to recover benefits under a credit life and disability insurance policy issued by
AI Life. The documents constituting the contract and agreement among and between
the parties are a Certificate Evidencing Group Credit Life & Disability Insurance
Coverage number 12858 ("Certificate") and Policy number 08313 ("Policy"), which
,.
"'100
are attached to the Motion in Limine as Exhibits A and B, respectively.' Both the
Certificate and the Policy state that the aggregate disability benefits payable as to an
insured debtor under the Certificate/Policy is subject to a maximum of $20,000.00.
Linden Ginter claims to have become disabled as a result of several
workplace accidents occurring between 1985 and 1988. (Complaint' 131 Plaintiffs
purchased the credit life and disability insurance pursuant to a mortgage transaction
with The Money Store in April, 1989. The effective date of the Certificate was April
11, 1989. (Complaint' 8).
Plaintiffs submitted their claim for disability benefits on March 10, 1992.
(Complaint' 211. On April 10, 1992, AI Life denied Linden Ginter's claim for
disability benefits on the basis that Certificate indicated that only August Ginter had
disability coverage under the Certificate. (Complaint Ex. GI On April 14, 1992, AI
Life reversed the April 1 0, 1992, denial because AI Life determined that the Certificate
was in error, and that Linden Ginter had in fact requested and signed for disability
coverage. (Complaint Ex. HI On May 11, 1992, AI Life denied Linden Ginter's claim
for disability benefits on the basis that her injury that caused her alleged disability did
not meet the definition of "Injury" contained in the Certificate and Policy, because that
injury occurred before the Policy was in force as to her. (Complaint Ex. I)
,,, An insured's contract in a group policy includes the master policy 8S well as the
certificate issued to a member of the group." Storti v. Minn. Mut. Life Ins. Co., 331 Pa.Super.
26,28,479 A.2d 1061,1062(19841.
2
( .
10....
Notwithstanding the denial, AI Life made a number of payments to The
Money Store. (Complaint 11 23, 251 On August 16, 1993, AI Life notified Linden
Ginter that it would not pay any further disability benefits under the Certificate
because she was no longer Totally Disabled as defined by the Cartiflcate, based upon
an independent medical examination by Thomas K. Howard, M.D., an orthopaedic
surgeon. (Complaint Ex. JI AI Life has not paid any further disability baneflts to
Plaintiffs since August 16, 1993.
Plaintiffs flied their Complaint on or about August 12, 1994, asserting
two counts; one for alleged breach of contract and one for alleged misrepresentation
of the scope of coverage afforded Linden Ginter by the Policy. At the Pretrial
Conference on February 26, 1997, Plaintiffs withdrew the mlsreprasentatlon count,
and the withdrawal of that count was noted in the record. Thus, the only remaining
claim is for alleged breach of contract. Also at the Pretrial Conference, this Court
ordered AI Life to file a motion in limine and brief in support thereof to address the
following issue:
ISSUE
Whether Plaintiffs' Complaint should be dismissed as a matter of law
because her injury that caused her alleged disability did not meet the definition of
"Injury" contained in tha Certificate and Policy, where that Injury occurred before the
Policy was in force as to her?
3
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lO'toO
ARGUMENT
Plaintiffs Complaint should bo dlsmlssod as a matter of law because her
injury that ceused her alloged dlseblllty did not moot the doflnltlon of "Injury"
contained In the Certlllcato and Policy, glvon that Injury occurred before the Policy
was in force os to hor. The dollnltlon of "Injury" contolnod In both the Certificate end
the Policy is os follows:
"Injury" wherein usod heroin means bodily Injury cousod by an accident
causing total disability occurring whllo tho policy Is In force as to the
Insured Debtor and rosultlng directly and Independently of all other
causes In loss covered by tho policy.
The Certificate/Policy furthor provides that disability bonellts will be paid when "injury
or sickness wholly and continuously disables and prevents the Insured Debtor from
performing the duties pertaining to his occupation . . ."
Where the language of an Insurance contract is clear and unambiguous,
a court Is raqulred to give effect to that language. Standard Venetian Blind Co. v.
American Emolre Ins. Co.. 603 Pa. 300,469 A.2d 663,666 (1983). No interpretation
of contractual language in an Insurance contract is necessary or permissible unless
there Is ambiguity which must be resolved. Steele v. Statesman Ins. Co., 530 Pa.
190,194,607 A.2d 742,744 (1992) (Flaherty, J., dissenting opinion) (citations
omitted). Words and phrases must be construed according to the rules of grammar
and according to their common and approved usage. !S[.
4
10....
Read according to tha rules of grammar, the Certificate/Policy, does not
provide disability benefits where the injury that allegedly caused the dlsebillty occurred
before the polley was in effect as to the Insured Debtor. "There are three verb forms
in English that are known as verbsls: participles, gerunds, and infinitives." Madeline
Semmelmeyer, M.A., and Donald O. Bolander, M.A., Litt. D., The New Webster's
Grammar Guide 195 (1987).2 "A participle is a verbal (verb form) which is used as
an adjective." J.l!. The present participle Is easily recognized; it always ends in "Ing."
!!t. at 197. Because the participle Is derived from a verb, like s verb, a participle may
take complements. 1ft. at 198-199. The participle with its complements Is called a
participle phrase. J.l!. at 199.
Many participles are used as pure adjectives. When the participle Is used
as a pure adjective, it Is usually placed directly before the noun which it
modifies. When the participle is used as a predicate adjective, It is found
In the predicate and modifies the subject. When the DartlciDle is used as
a Dredlcate adiective. it is found in the oredicate and modifies the
sublect.
!!t. at 196 (emphasis added).
"Occurring" Is a present participle. "Occurring while the policy Is in force
as to the Insured Debtor" Is a participle phrase. In the definition of "injury" contained
In the Certificate/Policy, "occurring while the polley Is in force as to the Insured
Debtor" is being used as a predicate adjective. According to the above underlined rule
of grammar, because the participle phrase "occurring while the policy Is in force as to
'An excerpt of this book is attached hereto for the Court's convenience.
5
10'100
the Insured Debtor" Is being ulod 01 II prodlcotll adjective, It modifies the subject of
the sentence in which It II so usod. The subjoct of tho sentence In which "occurring
while the policy Is In force liS to tho Insurod Dobtor" Is being used os 0 predicate
adjective is "injury." Thus, In the doflnltion of "injury" contained in the
Certificate/Policy, "occurring whllo the polley Is in force as to the Insured Debtor"
modifies "injury." Thus, the doflnltion of "Injury" in the Certificate/Policy does not
include Injuries that occurred before the polley was in effect as to the Insured Debtor.
In this case, Plolntlffs admit that the Injury that caused the alleged
disability occurred before the polley was In effect as to the Insured Debtor, Linden
Ginter. Read according to the rules of grammar, the definition of "injury" in the polley
clearly does not include the injury that caused Linden Ginter's alleged disability. Thus,
Plaintiffs are not entitled to any disability benefits under the clear language of the
Certificate/Polley. Accordingly, this Court should dismiss Plaintiffs' Complaint as a
matter of law.
6
10.100
CONCLUSION
For the foregoing reasons, AI Life requests that this Court grant its
Motion in Limine, dismiss Plaintiffs' Complaint as a matter of law, and grant such
other relief as this Court may deem proper.
THORP, REED & ARMSTRONG
Dated: February 27, 1997
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7779
Attorneys for Defendant
American International Life
Assurance Company of New York
7
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10'100
.
CERTIFICATE OF SERVICE
I hereby certify that a true and correct copy of Brief In Support of Motion
In Limine was served by Federal Express mall, this 27th day of February, 1997, upon
the following:
David A, Baric, Esquire
O'Brian, Baric & Scherer
17 West South Street
Carlisle, Pennsylvania 17013
~ B rLpf
.'~1\1
1.r1w O./JIce.
O'BRIEN, HARIC & SCHERER
17 We./ Soutlr Stree/
C",'ll3Ie.l'el/l"yl"lIIla 170lJ
Kern/own Square
Clrambmburg, PA
(717) 267-2927
Rabert L. O'Brien
David A. Baric
Mlclrael A. Sclrerer
Reply /0
Carli.le O./JIce
.. . (l17)ii9:687r" "'7
1'/Lr (717) 249-5755
y
(C(~
VIA HAND DELIVERY
J~
J C2
.~---".
"
--
The Honorable George Hoffer
Cumberland County Courthouse
One Courthouse Square
Carlisle, PA 170\3/-'''---
ctJ~ August and Linden Ginter v, Amerlean International Life
Assuranee Company of New York
Court of Common Pleas or Cumberland County, No, 94-4629
Dear Judge Hoffer: ---, _. .," ...
...-,..,.~........~
._~
..- .........
c::::~...--,-
'j
Presently pending before you is the Motion in Limine filed by American International Life
Assurance Company of New York.
The parties have reached an agreement regarding resolution of this matter and settlement
documents are in the process of being executed. Upon receipt of the funds from the defendant, I
will cause a dismissal with prejudice to be filed. In the event the funds are not received, I will
notity your chambers immediately.
My intention in informing you of the status of settlement negotiations is to prevent any
waste of the Court's time in regard to the motion in limine.
Very truly yours,
O'BRIEN, BARIC AND SCHERER
~h:~'
David A. Baric, Esquire
DAB~c
cc: Gregory H. Teufel, Esq., atty. for American International Life Assurance Company
VIA FACSIMILE
August and Linden Ginter
File
dab,dlrnltlRatlonlRlnterlholfer,ltr
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiffs,
: NO. 94-4629
V.
: PLAINTIFFS' RESPONSE TO MOTION
: IN LIMINE
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY OF
NEW YORK,
Defendant.
PLAINTIFFS' RESPONSE TO MOTION IN LIMINE
AND NOW, come Plaintiffs, August and Linden Ginter, by and through their attorneys,
O'BRIEN, BARIC AND SCHERER, and submit this response in opposition to the motion in
limine filed by Defendant and in support thereof set forth the following:
1. The Certificate and Policy of insurance provided by the Defendant are appended to the
motion in limine filed by Defendant and are incorporated herein.
2. Attached hereto are correspondence from the Defendant's representatives dated May
1 1,1992 and June 9,1992 directed to Plaintiffs and/or Plaintiffs' representatives.
3. For the reasons stated more fully in the brief of Plaint ins, Plaintiffs are entitled to the
benefits of the policy and the policy of insurance issued by the Defendant has been triggered
pursuant to the tenns of the policy as drafted by Defendant.
WHEREFORE, Plaintiffs request that this Court find that the policy of insurance be found
to include disability arising after the effective date of the policy relating back to injuries sustained,
but not totally disabling, incurred prior to the effective date of the policy.
Respectfully submitted,
Y~1(.- Mffu-
L~F'
'-({'-loA!..' Ytlh
-;;1'=-1 ""'-'-
O'BRIEN, BARIC AND SCHERER
~P&:~.
David A. Baric, Esquire
10# 44853
17 W. South SI.
Carlisle, PA 17013
(717) 249-6873
~Amerlcan Internatlol...1 Companies
Accident and Health Claims Division
One Cleveland Center. SUite 2950
1375 East Ninth Street
Cleveland. Ohio 44114
(216) 479.8850
1-800-551.0824
.
...
.
Hay 11, 1992
Linden Ginter
330 pine Grove Rd.
Gardners, PA 17324
RE: Pol. #31303
Claim #001191
Dear Hs. Ginter:
We ere writinq to you with reqaJ:ds to your claim for accident and sickness benefits
under the above captioned policy number.
The above captioned Group Policy defines an injury as "bodily injury caused by an
accident occurrinq while this policy is in force as to the Insured. Debtor and
resultinq directly and independantly of all other causes in loss covered. by this
policy."
Your Certificate of Insurance beCllllle effective on April 11, 1989. Information
received in oonnection with your claim has determined that the injury for which you
are claiminq disability benefits occurred prior to the effective date of this
policy.
Based on this information and the policy exclusion given above, there would appear
to be no benefits payable in connection with this claim.
We reserve all riqhts and defenses of the policy and Jaw, inclUdinq but not limited.
to all of the riqhts and defenses mentioned above. Neither this cOllllllunication nor
our willinqness to review any further information which you may provide, nor our
further communication with you concerninq this claim is intended. as waiver or
abandonment or any riqht or defense, and should not be construed as such.
Sincerely,
Ken Deininqer
Cust. Servo Rep.
cc: Carol Renzi - Honey Store
AIQ un INSURANCE COM"""Y I AMERICAN INT1!RNAnONAL un ASSUIWlCE COM"""Y 0' NEW YORK
AMERICAN HOME ASSUIWlCE COMIWlY I NATIONAL UNION FIRE INSURANCE COM"""Y lW I'ITTSBURQH, I'll
27~12"21
2'M.'2I"1~'
~
. American InternatlonCll Companies
Accident and Health Claims Division
One Cleveland Center. Suite 2950
1375 East Ninth Street
Cleveland, Ohio 44114
(216) 479-8850
1,800-551,0824
-"
June 9, 1992
Mr. Stephen Hogg
401 E. Louther Street, Suite 215
Carlisle, PA 17013
Re: Linden Ginter
Policy #31303
Claim #001191
Dear Sir:
We have reviewed your letter of May 26, 1992. The Certificate
issued to Linden Ginter may be one of a group of certificates where
the wording "., .while the policy is in force..... is misplaced.
As an act of good faith, we have forwarded a check covering the
first 30 days of benefits. In return, we request that you forward
a copy of the front and back of the certificate issued to M~s. Ginter.
Further payment of benefits will depend upon submission of Supple-
mental Reports, the first of which will accompany the receipt for
the initial payment.
Upon receipt of the Certificate copy and Supplemental Statement.
further benefits will be considered according to the terms and con-
ditions of the policy and certificate.
We reserve all rights and defenses of the policy and law, including
but not limited to all of the rights and defenses mentioned above.
Neither this communicaton nor our willingness to review any further
information which you may provide, nor our further commuication with
you concerning this claim is intended as waiver or abandonment of
any right or defense, and should not be construed as such.
Sincerely, /
"
/
~..--.
Paul Morrow
Claims Examiner
AIQ UFE INSURANCE COMPANY I AMERICAN lNTERNAnONALlIF'E ASSURANCE COMPANY OF NEW YORK
AMERICAN HOME ASSURANCE COMPANY I NATlQNAL UNION ARE INSURANCE COMPANY OF PITTS8UROH, M
('
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 94.4629
Plaintiffs,
V,
: PLAINTIFFS' RESPONSE TO MOTION
: IN LIMINE
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY OF
NEW YORK,
Defendant.
CERTIFICATE OF SERVICE
I hereby certify that on March 4, 1997, I, David A. Baric, Esquire, of O'Brien, Baric &
Scherer, did serve a copy of the Plaintiffs' Response To Motion In Limine, by first class U.S. mail,
postage prepaid, to the party listed below, as follows:
Gregory H. Teufel, Esquire
Thorp, Reed & Armstrong
One Riverfront Center
Pittsburgh, Pennsylvania 15222-4895
~.{{
David A. Baric, Esquire
..
rfU
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AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
: IN THE COURT OF COMMON PLEAS
: OF CUMBERLAND COUNTY,
: PENNSYLVANIA
Plaintiffs,
: NO. 94-4629
V.
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY OF
NEW YORK,
: BRIEF IN OPPOSITION TO MOTION
: IN LIMINE
Defendant.
BRIEF IN OPPOSITION TO MOTION IN LIMINE
AND NOW, come Plaintiffs, August and Linden Ginter, by and through their attorneys,
O'BRIEN, BARIC AND SCHERER, and file this brief in opposition to the motion in limine tiled
by Defendant:
Statement of Facts
For purposes ofdetennination of this motion, Plaintiffs adopt the Statement of Facts as set
forth by American International Life Assurance Company of New York (AI Life) with the
following additional notations:
I. The Plaintiffs were never provided with a copy of the group or master policy
prior to or at the effective date of the policy of insurance.
2. The definition of injury set forth in the certificate is as follows:
"Injury" wherein used herein means bodily injury
caused by an accident causing total disability
occurring while the policy is in force as to the
Insured Debtor and resulting directly and
independently of all other causes in loss covered by
the policy.
r- . -
!Iw
May AI Life refuse to extend coverage for an injury which occurred prior to the effective
date of the policy of insurance which injury was not totally disabling based upon a determination
of the policy language which contradicts the prior interpretations of AI Life and is ambiguous?
Al"2ument
A review of the statement of fal:ts as supplied by AI Life indicates that AI Life has thrice
attempted to avoid coverage in this matter.
In its second attempt, AI Life attempted to decline coverage based upon the timing of the
accidents which ultimately lead to Mrs. Ginter being rendered totally disabled. It was in this
attempt that Ken Deininger, a customer service representative for AI Life, supplied a denial of
benefits letter dated May II, 1992. In this correspondence, Mr. Deininger "quoted" from the
Group Policy using language which rel1ects the position now taken by AI Life that the injury
causing the disabling condition must have occurred subsequent to the effective date of the policy
in order to trigger coverage. Mr. Deininger's quote is as follows: "bodily injury caused by an
accident occurring while this policy is in force as to the Insured Debtor and resulting directly and
independently of all other causes in loss covered by this policy." A review of the language
actually contained in the insuring agreement shows that this is !!Q1 the definition of injury as
contained in the Certificate of insurance received by the Ginter's. Rather, Mr. Deininger's letter
rel1ects how AI Life, the exclusive drafter of the Certificate, should have drafted the definition of
injury to reach the conclusion it now urges this Court to adopt. Simply stated, the definition now
asserted by AI Life could have been reached by using the definition as misquoted by Mr.
2
,.
Deininger and adding a conjunctive requiring the disability to also accrue while the policy was in
force.
Upon seeking a reconsideration of this denial, the representative for the Ginter's received
correspondence from Paul Morrow, Claims Examiner for AI Life, wherein Mr. Morow stated:
"The Certificate issued to Linden Ginter may be one of a group of certificates where the wording
'... while the policy is in force...' is misplaced."
Consequently, AI Life's reliance upon Standard Venetian Blind Co. American Empire Ins.
~, is misplaced. The ambiguity in the Certificate is readily apparent from AI Life's own
misinterpretation/misquotation of the definition of injury and was recognized by it in the
correspondence of Mr. Morrow. In Steele v. Statesman Insurance Company, 530 Pa. 190,607
A.2d 742 (1992), the Supreme Court stated that "A contract is ambiguous ifit is reasonably
susceptible of different constructions and capable of being understood in more than one sense."
~, at p. 743 quoting from Hutchinson v. Sunbeam Coal Corp., 5 \3 Pa. 192, 200, 519 A,2d
385,390 (1986). In the event an ambiguity is present, the relevant policy provision is construed
in favor of the insured and against the insurer as the drafter of the instrument. Bateman v.
Motorists Mutual Insurance Co., 527 Pa. 241, 590 A,2d 281 (199]).
The Certificate further provides for certain exclusions. In relevant part, the Certificate
provides as follows:
EXCLUSIONS: This plan of Disability Insurance does not cover loss caused by
or resulting from: (2) illness, disease, or physical condition which totally disabled
the Insured Debtor at any time during the six month period immediately preceding
the effective date of this certificate stated in the Schedule:
3
The Certificate does not provide for a definition of "physical condition", however, an
accident which causes or may make an individual susceptible to becoming totally disabled must
surely fall within the paiameters of physical condition. An insured reading this provision could
reasonably conclude that AI Life would deny benefits oniy if a prior accident which caused a
"physical condition" resulted in total disability during the six(6) month period preceding the date
of the policy, otherwise, the exclusion would not preclude coverage. In effect, AI Life, in this
exclusion, indicates that it will accept the "physical condition" of an applicant for insurance
provided that the condition did not result in rendering the applicant "totally disabled" during the
six month period prior to the insuring agreement. Nowhere in the Certificate does AI Life
exclude from coverage individuals who may be suffering from a "physical condition" alone. Mrs.
Ginter suffered from such a "physical condition" yet continued to work until it became impossible
to work. Again, AI Life, the exclusive drafter of the Certificate, could have reached the
conclusion it now asserts had it expanded its exclusions to include "physical conditions" which
were preexisting at the effective date of the policy which had not yet resulted in rendering the
insured "totally disabled". Moreover, this exclusion indicates that AI Life, for purposes of the
exclusion, connected physical condition to total disability and further shows the ambiguity arising
in the definition of injury which does not make the same connection of accident and total disability
as being required to coexist subsequent to the effective date of the policy. The interpretation of
the policy now asserted by AI Life would require applicants to guess as to their future physical
condition. Ifan applicant were to suffer an injury from an accident prior to the effective date of
the policy yet continue to work, the applicant would be required to estimate the future effects of
4
the injury and then weigh those possible future effects against the cost of procuring credit
disability insurance recognizing that the insurer may decline coverage.
The Ginters, as purchasers of credit disability insurance, were motivated by the fear that,
in the event Mrs. Ginter was rendered disabled, they would be unable to meet their obligations
and purchased this insurance believing that they were protected against such a potentiality. AI
Life accepted the present physical condition of Linden Ginter when they accepted the premium.
No attempt was made by AI Life to determine the then existing physical condition of Linden
Ginter. At the time of purchase, Linden Ginter was working and did not consider herself to be
"totally disabled." A plain reading of the insuring agreement provides that, provided you are not
dissbled presently or were not disabled during the six (6) months preceding the effective date of
the policy, you are entitled to the benefits of the insurance regardless of the time during which you
may have suffered the accidents leading to your disability. AI Life, as the exclusive drafter of
the Certificate, had the ability and capability to produce a writing which clearly and directly
effected the interpretation they now promote. The failure of AI Life to so draft a clear and direct
exclusion of the claim of Linden Ginter is no fault of the Ginters and should not be the basis for a
denial of the benefits they expected. As drafted, the Certificate is susceptible to different
constructions and certainly can be understood in more than one sense.
5
David A. Baric, Esquire
10# 44853
17 West South Street
Carlisle, PA 17013
(717) 249-6873
Conclusion
For the foregoing reasons, the Ginters request that this Court deny the motion in limine as
filed by AI Life.
Respectfully submitted,
O'BRIEN, BARIC AND SCHERER
~?~,
6
, ,
AUGUST GINTER and LINDEN R.
GINTER. husband and wife,
Plaintiffs,
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 94-4629
V.
: PLAINTIFFS' RESPONSE TO MOTION
: IN LIMINE
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY OF
NEW YORK,
Defendant.
CERTIFICATE OF SERVICE
I hereby certifY that on March 4, 1997, I, David A. Baric, Esquire, of O'Brien, Baric &
Scherer, did serve a copy of the Brief In Opposition To Motion In Limine, by first class U.S.
mail, postage prepaid, to the party listed below, as follows:
Gregory H. Teufel, Esquire
Thorp, Reed & Armstrong
One Riverfront Center
Pittsburgh, Pennsylvania ] 5222-4895
. ~.{(,
David A. Baric, Esquire
hili! .~. i!J97
-~~
AUGUST GINTER and LINDEN R.
GINTER. husband and wife,
: IN THE COURT OF COMMON PLEAS
: OF CUMBERLAND COUNTY,
: PENNSYLVANIA
Plaintiffs,
: NO. 94-4629
V.
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY OF
NEW YORK,
: BRIEF IN OPPOSITION TO MOTION
: IN LIMINE
Defendant.
BRIEF IN OPPOSITION TO MOTION IN LIMINE
AND NOW, come Plaintiffs, August and Linden Ginter, by and through their attorneys,
O'BRIEN, BARIC AND SCHERER. and file this brief in opposition to the motion in limine filed
by Defendant:
Statement of Facts
For purposes of determination of this motion, Plaintiffs adopt the Statement of Facts as set
forth by American International Life Assurance Company of New York ( AI Life) with the
following additional notations:
1. The Plaintiffs were never provided with a copy of the group or master policy
prior to or at the effective date of the policy of insurance.
2, The definition of injury set forth in the certificate is as follows:
"Injury" wherein used herein means bodily injury
caused by an accident causing total disability
occurring while the policy is in force as to the
Insured Debtor and resulting directly and
independently of all other causes in loss covered by
the policy.
1
( .
.
Jaw
May AI Life refuse to eKtend coverage for an injury which occurred prior to the effective
date of the policy of insurance which injury was not totally disabling based upon a detennination
of the policy language which contradicts the prior interpretations of AI Life and is ambiguous?
Anrument
A review of the statement of facts as supplied by AI Life indicates that AI Life has thrice
attempted to avoid coverage in this matter.
In its second attempt, AI Life attempted to decline coverage based upon the timing of the
accidents which ultimately lead to Mrs. Ginter being rendered totally disabled. It was in this
attempt that Ken Deininger, a customer service representative for AI Life, supplied a denial of
benefits letter dated May II, 1992. In this correspondence, Mr. Deininger "quoted" from the
Group Policy using language which reflects the position now taken by AI Life that the injury
causing the disabling condition must have occurred subsequent to the effective date of the policy
in order to trigger coverage. Mr, Deininger's quote is as follows: "bodily injury caused by an
accident occurring while this policy is in force as to the Insured Debtor and resulting directly and
independently of all other causes in loss covered by this policy." A review of the language
actually contained in the insuring agreement shows that this is !!Q1the definition of injury as
contained in the Certificate of insurance received by the Ginter's. Rather, Mr. Deininger's letter
reflects how AI Life, the eKclusive drafter of the Certificate, should have drafted the definition of
injury to reach the conclusion it now urges this Court to adopt. Simply stated, the definition now
asserted by AI Life could have been reached by using the definition as misquoted by Mr.
2
Deininger and adding a conjunctive requiring the disability to also accrue while the policy was in
force.
Upon seeking a reconsideration of this denial, the representative for the Ginter's received
correspondence from Paul Morrow, Claims Examiner for AI Life, wherein Mr. Morow stated:
"The Certificate issued to Linden Ginter may be one of a group of certificates where the wording
.... while the policy is in force...' is misplaced."
Consequently, AI Life's reliance upon Standard Venetian Blind Co. American Empire Ins.
~,is misplaced. The ambiguity in the Certificate is readily apparent from AI Life's own
misinterpretation/misquotation of the definition of injury and was recognized by it in the
correspondence of Mr. Morrow. In Steele v. Statesman Insurance Companv, 530 Pa. 190,607
A.2d 742 (1992), the Supreme Court stated that "A contract is ambiguous ifit is reasonably
susceptible of different constructions and capable of being understood in more than one sense."
~, at p. 743 quoting from Hutchinson v. Sunbeam Coal CO'll., 513 Pa. 192,200,519 A.2d
385,390 (1986). In the event an ambiguity is present, the relevant policy provision is construed
in favor of the insured and against the insurer as the drafter of the instrument. Bateman v.
Motorists Mutual Insurance Co., 527 Pa. 241, 590 A.2d 281 (1991).
The Certificate further provides for certain exclusions. In relevant part, the Certificate
provides as follows:
EXCLUSIONS: This plan of Disability Insurance does not cover loss caused by
or resulting from: (2) illness, disease, or physical condition which totally disabled
the Insured Debtor at any time during the six month period immediately preceding
the effective date of this certificate stated in the Schedule:
3
The Certificate does not provide for a definition of "physical condition", however, an
accident which causes or may make an individual susceptible to becoming totally disabled must
surely fall within the parameters of physical condition. An insured reading this provision could
reasonably conclude that AI Life would deny benefits only if a prior accident which caused a
"physical condition" resulted in total disability during the six(6) month period preceding the date
of the policy, otherwise, the exclusion would not preclude coverage. In effect, AI Life, in this
exclusion. indicates that it will accept the "physical condition" of an applicant for insurance
provided that the condition did not result in rendering the applicant "totally disabled" during the
six month period prior to the insuring agreement. Nowhere in the Certificate does AI Life
exclude from coverage individuals who may be suffering from a "physical condition" alone. Mrs.
Ginter suffered from such a "physical condition" yet continued to work until it became impossible
to work. Again. AI Life, the exclusive drafter of the Certificate, could have reached the
conclusion it now asserts had it expanded its exclusions to include "physical conditions" which
were preexisting at the effective date of the policy which had not yet resulted in rendering the
insured "totally disabled". Moreover, this exclusion indicates that AI Life, for purposes of the
exclusion, connected physical condition to total disability and further shows the ambiguity arising
in the definition of injury which does not make the same connection of accident and total disability
as being required to coexist subsequent to the effective date of the policy. The interpretation of
the policy now asserted by AI Life would require applicants to guess as to their future physical
condition. If an applicant were to suffer an injury from an accident prior to the effective date of
the policy yet continue to work, the applicant would be required to estimate the future effects of
4
the injury and then weigh those possible future effects against the cost of procuring credit
disability insurance r~cognizing that the insurer may decline coverage.
The Ginters, as purchasers of credit disability insurance, were motivated by the fear that,
in the event Mrs. Ginter was rendered disabled, they would be unable to meet their obligations
and purchased this insurance believing that they were protected against such a potentiality. AI
Life accepted the present physical condition of Linden Ginter when they accepted the premium.
No attempt was made by AI Life to detennine the then existing physical condition of Linden
Ginter. At the time of purchase, Linden Ginter was working and did not consider herself to be
"totally disabled." A plain reading of the insuring agreement provides that, provided you are not
disabled presently or were not disabled during the six (6) months preceding the effective date of
the policy, you are entitled to the benefits of the insurance regardless of the time during which you
may have suffered the accidents leading to your disability. AI Life, as the exclusive drafter of
the Certificate, had the ability and capability to produce a writing which clearly and directly
effected the interpretation they now promote. The failure of AI Life to so draft a clear and direct
exclusion of the claim of Linden Ginter is no fault of the Ginters and should not be the basis for a
denial of the benefits they expected. As drafted, the Certificate is susceptible to different
constructions and certainly can be understood in more than one sense.
5
"
Conclusion
For the foregoing reasons, the Ginters request that this Court deny the motion in limine as
filed by AI Life.
Respectfully submitted,
O'BRIEN, BARIC AND SCHERER
~~.({,
David A. Baric, Esquire
10# 44853
17 West South Street
Carlisle. PA 17013
(717) 249.6873
6
I.'
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
PlaintitTs,
: NO. 94-4629
V.
: PLAINTIFFS' RESPONSE TO MOTION
: IN LIMINE
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY OF
NEW YORK,
Defendant.
CERTIFICATE OF SERVICE
I hereby certifY thst on March 4, 1997, I, David A. Baric, Esquire, of O'Brien, Baric &
Scherer, did serve a copy of the Briefln Opposition To Motion In Limine, by first class U.S.
mail, postage prepaid, to the party listed below, as follows:
Gregory H. Teufel, Esquire
Thorp, Reed & Annstrong
One Riverfront Center
Pittsburgh, Pennsylvania 15222-4895
, ~.{{,
David A. Baric, Esquire
AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs,
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
: 94-4629 CIVIL TERM
V.
: CIVIL ACTION-LAW
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY
OF NEW YORK,
Defendant.
PLAINTIFFS' PRETRIAL MEMORANDUM
I. Statement of Facts as to Liabilitv
In April, 1989, August and Linden Ginter entered into a mortgage transaction with The
Money Store. This second mortgage was for the principal amount of$ I 9,500.00, interest on the
obligation was 15.25%. The note accompanying the mortgage required payments of $279. I I per
month with payments beginning May 15, 1989 and the final payment scheduled for April 15,
2004.
In connection with the Money Store loan, the plaintiffs purchased credit life and disability
insurance coverage from American Intemational Life Assurance Company of New York. From
the loan proceeds, $2,782.50 was paid for the credit life insurance and $984.00 was paid for
credit disability insurance. The monthly disability benefit was set at $279.11 per month. The
effective date for these policies of insurance was April II, 1989.
At the time of the loan closing, the plaintiffs received a Certificate Evidencing Group
Credit Life & Disability Insurance Coverage Schedule ("Certificate") from the defendant.
At the time of the closing, Linden Ginter was employed as a dietary aide at the
Cumberland County Nursing Home and was working. In September, 1991, Linden Ginter was
diagnosed as having a ruptured disc at CS.6. Her surgeon placed her on restriction and, as a
result of these restrictions, the Cumberland County Nursing Home terminated her employment.
On February 17, 1992, Linden Ginter underwent an anterior cervical fusion to address the
ruptured disc and was discharged from the hospital on February 23, 1992. The Ginter's filed a
claim form for disability insurance benefits with the defendant in March, 1992. The defendant
denied benefits based upon the order of signatures on the Certificate. Subsequently, the defendant
reversed its prior decision and made payments for the months of February, March and April,
1992.
In May, 1992, the defendant declined coverage quoting language from the Group Policy
as follows: "The above captioned Group Policy defines an injury as 'bodily injury caused by an
accident occurring while this policy is in force as to the Insured Debtor and resulting directly and
independently of all other causes in loss covered by this policy." This is a mis-quotation of the
language set forth in both the Certificate and the Group Policy.
In August, 1993 the defendant declined further coverage finding Linden Ginter was no
longer "Totally Disabled" as defined by the Certificate based principally upon an independent
medical evaluation performed by a physician retained by the defendant.
Linden Ginter's condition since the operation of February, 1992 has caused her to be
totally disabled from gainful employment. She has and continues to experience difficulties in
performing everyday activities of living and experiences significant and reoccurring pain. Mrs.
Ginter has a learning deficiency, limited education and has always worked in physical jobs. Her
primary treating physician has opined that she cannot perform any job and is severely restricted in
her physical abilities with no expected recovery in the near future.
The Certificate and Group Policy require the defendant to pay benefits "as long as the
Insured Debtor remains wholly and continuously disabled, as defined herein, so that he is
prevented from engaging in any occupation or from performing any work for compensation or
profit for which he is reasonably qualified by reason of education, training or experience...."
II. Statement of Facts as to Dam8l!es
The defendant has failed to pay the monthly benefit of$279.11 since July 8, 1993. To the
anticipated date of trial, these monthly benefits would amount to $12,808.84 ($279.11 per month
x 44 months).
Prospectively, from the anticipated time of trial, plaintiffs request an award of the monthly
benefit amount through the final payment date for the Money Store loan being $23,445.24
($279.11 per month x 84 months).
As a direct consequence of the defendant's refusal to pay the benefits due and owing, the
Ginter's were required to make application to the Pennsylvania Housing Finance Agency to obtain
assistance to cover the Money Store loan and delinquent real property taxes. The payoff amount
for the sum loaned to the Ginters' by the Pennsylvania Housing Finance Agency is $18,502.12 as
of February 28, 1997.
Based upon defendant's negligent misrepresentations as to the scope of the insurance and
its applicability. plaintiffs' experienced pain and suffering, including, the financial inability to
obtain medical services as a direct and proximate result of the defendant's breach of its duties
which caused and continues to cause Linden Ginter to experience great personal pain and
suffering without relief that could be afforded by treatment.
III, Stattmtnt of hsuts as to Llabilltv and Dama2ts
Liability
I. Has American International Life Assurance Company breached its obligations as
established by the Certificate of insurance and Group Policy?
2. Is Linden Ginter totally disablcd within the terms of the Certificate of insurance and
Group Policy?
3. For what period of time has Linden Ginter been totally disabled within the terms of the
Certificate of insurance and Group Policy?
4. Did American International Life Assurance Company misrepresent to the Ginters the
scope of the insurance the Ginters had purchased?
S. Did American International Life Assurance Company properly deny coverage after
receiving the independent medical examination in July, 1993?
6. Is American International Life Assurance Company's continuing refusal to pay benefits
since July, 1993 supported by the evidence?
7. Did American International Life Assurance Company misrepresent to the Ginters' the
conclusions of the independent medical examination as a basis for denying future coverage?
Damagts
I. Are the Ginters entitled to recover the benefit amount which would have been paid
from July, 1993 to the date of trial?
2. Are the Ginters entitled to recover the amount of benefits which would be payable
prospectively to the termination date of the Money Store loan?
3. Are the Ginters entitled to recover additional costs and expenses incurred as a
consequence of having to obtain a loan from the Pennsylvania Housing Finance Agency to cover
the Money Store loan?
4. May the Ginters recover for their pain and suffering resulting from the denial of
benefits by the defendant and the consequent inability of the Ginters to afford medical treatment?
IV, Summary of Legal Issues
Plaintiffs do not anticipate issues arising regarding the admissibility of testimony or
exhibits to be relied upon by the plaintiffs.
The first claim made by plaintiffs sets forth a breach of the insuring agreement by
defendant when it failed and refused to continue making disability payments to the lender. Since
the insuring agreement was drafted exclusively by the defendant, the agreement is to be strictly
construed against it. Moreover, coverage determinations are to be made favoring a finding of
coverage.
The second claim asserted by plaintiffs is premised upon negligent misrepresentation.
Elements of a cause of action for negligent misrepresentation are as follows: 1) misrepresentation
ofa material fact, 2) the representor must either know of misrepresentation, must make
misrepresentation without knowledge as to its truth or falsity, or must make representation under
circumstances in which he ought to have known of its falsity, 3) representor must intend
representation to induce another to act on it, and 4) injury must result to party acting in justifiable
reliance on misrepresentation. Gibbs v. Ernst et als., 647 A.2d 882, 538 Pa. 193 (1994).
VI, Wllnes e . . .
August Ginter, Linden Ginter, Belinda Croback (Vocational Exp rt), Rodney Hough,
M.D. ( testimony to be provided through his deposition testimony). Plaintiffs may also call
adversely a representative of the defendant to authenticate documents of defendant.
, Htf.Bshlbl~"
I. Closing Statement and Itemization of Amount Financed- this document was prepared
for the loan closing with the Money Store and sets forth the costs of closing and the terms of the
loan obligation.
2. Federal Truth in Lending Disclosure- dated April II, 1989, discloses annual percentage
rate of to an, total of payments and premium amounts for credit life and disability insurance.
3. Secondary Mortgage Loan Promissory Note- Dated April II, 1989, sets forth the
terms of the Money Store loan.
4. Certificate Evidencing Group Credit Life & Disability Insurance Coverage- a summary
form of the terms of insurance purchased by the plaintiffs from the defendant provided to the
plaintiffs at the closing of the Money Store loan.
5. Mortgage Dated April II, 1989- the mortgage executed by the plaintiffs over to the
Money Store in connection with the loan.
6. Creditor Disability Claimant's Proof of Accident or IIIness- claim form submitted by
plaintiffs to defendant dated March 10, 1992.
7. Letter dated April 10, 1992 from defendant's representative, Ken Deininger declining
benefits for plaintiff.
8. Letter dated April 14, 1992 from defendant's representative, Ken Deininger, amending
certificate of insurance.
f'
9. Amendment to Certificate for Insurance Made to American International Life
Assurance Company- amends disability coverage provisions to include Linden Ginter dated May
29, 1992.
10. Letter dated May II, 1992 from defendant's representative, Ken Deininger, declining
benefits for plaintiffs.
II. Lettcr dated August 16, 1993 from defendant's representative, Paul Morrow,
declining benefits for plaintiffs based upon independent medical evaluation.
12. Pennsylvania Housing Finance Agency Delinquent Mortgage Repayment Agreement-
sets forth the repayment obligation of the plaintiffs to PHFA and the loan to be made by PHFA to
plaintiffs.
13. Payoff statement from Pennsylvania Housing Finance Agency- sets forth the loan
payoff amount as to the er.d of February, 1997.
14. Open End Mortgage of Pennsylvania Housing Finance Agency.
IS. Curriculum Vitae of Rodney K. Hough, M.D.
16. Attending Physician's Supplementary Statement- form dated July 9, 1993 completed
by Rodney Hough, M.D.
17. Letter dated September 16, 1993 from Rodney K. Hough, M.D. to Steven Hogg,
Esquire.
18. Letter dated October 12, 1993 from Rodncy K. Hough, M.D.
19. Notcs of Rodncy K. Hough. M.D. as appcnded to the deposition transcript of Dr.
Hough.
20. Report prepared by Belinda Croback dated December 5, 1996.
.-
,.
21. Payoff from The Money Store- reflects the outstanding indebtedness of the plaintiffs
to The Money Store
22. Documents identified by defendant in its pretrial memorandum.
VII, Status of Settlement Negotiations
In June, 1996, plaintiffs demanded SI9,OOO.00 from defendant. The Defendant rejected
that offer and held to a prior offer ofS]O,OOO.Oo'Defendant has recently increased its prior offer
ofS10,OOO.00 to SI2,500.00. Plaintiffs believe that further reduction of their demand is not
warranted. The Pennsylvania Housing and Finance Agency has a lien of subrogation to the
amount ofits payoff (SI8,502.] 2). This subrogation obligation impedes plaintiffs' ability to settle
for less than the subrogated amount. Further, Linden Ginter remains totally disabled and the
Money Store obligation continues to run until April, 2004, consequently, the plaintiffs' damages
continue to accrue and plaintiffs' seek recovery of the anticipated losses based upon the testimony
of plaintiffs' primary health care provider indicating that he anticipates no change in Linden
Ginter's physical condition.
Respectfully submitted,
O'BRIEN, BARIC AND SCHERER
~;p?~/Z...
David A. Baric, Esquire
ID #44853
17 West South Street
Carlisle, PA 17013
(717) 249-6873
AUGUST GINTER and
LINDEN GINTER, husband
and wife,
,.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiffs
v.
94-4629 CIVIL TERM
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY
OF NEW YORK,
Defendants
CIVIL ACTION-LAW
CERTIFICATE OF SERVICE
I hereby certifY that on February I Y . 1997, I, David A. Baric, Esquire, of O'Brien.
Baric & Scherer, did serve a copy of the P1aintitrs Pre-Trial Memorandum, by first class U.S.
mail, postage prepaid, to the party listed below, as follows:
Dan Carney, Esquire
Thorp Reed & Armstrong
One Riverfront Center
Pittsburgh, Pennsylvania 15222-4895
b-p/~.
David A. Baric, Esquire
--
. ,
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
In The Court of Common Pleas of
Cumberland County, Pennsylvania
No. 94-4629 Civil Term
Complaint in CIvil Action Law
and Notice
August Ginter and Linden R. Ginter
VS
American International Life Insurance
Company of New York
R. Thomas Kline, Sheriff, who being duly sworn according to law,
says that he served the above Complaint in Civil Action Law and Notice in
the fOllowing manner: The Sheriff mailed one of the within named defendants,
to wit: American International Life Insurance Company of New York, a notice
of the pendency of the action by certified mail, to their last known address
at 1375 East Ninth Street, Suite 2950, Cleveland, Ohio 44114. This letter
was mailed under the date of August 17, 1994. Letter was received by
American International Life Insurance Company of New York on August 19, 1994
with return receipt card signed by K. Seaucic. Return receipt card is hereto
attached.
Pd. by Atty.
8-22-94
.!
/R.
::'.~,_,.~--:<"/ ,or. _,~
Sheriff's
Docketing
Surcharge
Certified
Costs:
14.00
2.00
Mail 4.13
20.13
So Answer:
Thomas Kline, Sheriff
Sworn and Subscribed to Before Me
This ,J'} If-
1994, A.D.
D~y of f)"t' ' j-
1......11' - (,'. 71u6:_ Ul1i
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I. 'l'Jm CODT 01' COXIIO. l'LIIU 01' CUllBDLUlD
COUJITY, l'BIlII8YLVUIA
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
Plaintiffs,
v.
AMERICAN INTERNATIONAL LIFE
INSURANCE COMPANY OF NEW YORK,
Defendant.
Civil Action-LaW
94-4629 civil Term
l'RABCIl'B J'OR Al'l'BARMlCB
Filed on behalf Defendant
American International Life
Insurance Company of New York
Counsel of Record for this
Party:
Craig E. Frischman
Pa. I.D. No. 46603
THORP, REED & ARMSTRONG
Firm I.D. No. 282
One Riverfront Center
pittsburgh, PA 15222
(412) 394-7724
1M 'l'JlII COUll'1' 01' CODO. PL.u 01' CUJUIDLUlD
COUll'l'Y, PDIIl8YLVaJlIA
AUGUST GINTER and LINDEN )
R. GINTER, husband and wife, )
)
Plaintiffs, )
)
v. )
)
AMERICAN INTERNATIONAL LIFE )
INSURANCE COMPANY OF NEW )
YORK, )
)
Defendant. )
civil Action-Law
94-4629 Civil Term
PRABCIPB .OR APPEARANCE
'1'01 Prothonotary
Kindly enter the appearance of craig E. Frischman on
behalf of defendant American International Life Insurance company
of New York in the above-captioned action.
THORP, REED & ARMSTRONG
Dated: September 12, 1994
Cra 9 . Fr schman
One R verfront Center
pitts urgh, PA 15222
(412) 394-7724
Attorneys for Defendant
. '.
p~_N.. '>-~6
CBRTIrICATB or 8BRVICB
I hereby certity that a true and correct copy ot the
toregoing praeolpe for Appearanoe was served by first clas., United
state. mail, postage prepaid, this 12th day ot September, 1994,
upon the tOllowing:
David A. Baric, Esquire
O'Brien, Baric' Scherer
17 West South Street
Carlisle, pennSY1Vani~7~~
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AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
94-4629 CIVIL TERM
v,
AMERICAN
INTERNATIONAL LIFE
INSURANCE COMPANY OF
NEW YORK,
Defendants
CIVIL ACTION-LAW
REPLY TO NEW MATI'ER
Plaintiffs, August and Linden Ginter, by and through their attorneys, O'Brien, Baric
and Scherer, hereby file the following Reply To The Answer And New Matter Of
Defendant,
43. Denied,
44, Denied,
45, Denied,
46, Denied.
47, Denied,
48, Denied that any action could have been undertaken by Plaintiffs to avoid or
mitigate the damages accruing,
WHEREFORE, Plaintiffs request that judgment be entered in their favor and
against the Defendant as requested in Plaintiffs complaint.
/'
4
Respectfully submitted,
O'BRIEN, BARIC & SCHERER
~"C/~~,
Date:
~ /1'S/7~
, .
David A. Baric, Esquire
1.0, #44853
17 West South Street
Carlisle, Pennsylvania 17013
(717) 249-6873
&enIiI/Klnler,~p
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VERIFICATION
I verify that the statements made in the foregoing Reply to New Matter are true and
correct, I understand that false statements herein are made subject to the penalties of 18
Pa,C,S,A, ~4904. relating to unsworn falsifications to authorities,
~~~~:.~
GUST GI TER
~/:;~~ f?~J~~
LINDEN GINTER
DATE:
3_/Y-9S
DATE: j-/9-ff
.
,
.
AUGUST GINTER and
LINDEN R, GINTER,
husband und wife,
Pluintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
94.4629 CIVIL TERM
v,
AMERICAN
INTERNATIONAL LIFE
INSURANCE COMPANY OF
NEW YORK,
Defendunts
CIVIL ACTION.LA W
CERTIFICATE OF SERVICE
I hereby certify that on Murch /fl, 1995, I, David A. Baric, Esquire, of
O'Brien, Baric & Scherer, did serve a copy of the Reply To New Matter, by first class U,S,
mail, post.age prepaid. to the party listed below, as follows:
Craig E, Frischman, Esquire
Thorp, Reed and Armstrong
One Riverfront Center
Pittsburgh, Pennsylvania 15222-4895
~/t:~.
David A. Baric, Esquire
Date: March /Y, 1995
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AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
94-4629 CIVIL TERM
v,
AMERICAN
INTERNATIONAL LIFE
INSURANCE COMPANY OF
NEW YORK,
Defendants
CIVIL ACfION-LA W
STIPULATION
WHEREAS, the complaint filed in the above matter designates the Defendant as
American International Life Insurance Company of New York and the proper designation
should be American International Life Assurance Company of New York. the parties hereto
by and through their counsel stipulate and agree that all pleadings, papers, captions and
docket entries in this matter be amended and that this matter hereinafter proceed under the
I amended name of Defendant.
I
I~t:~,
David A. Baric, Esquire
O'BRIEN, BARIC & SCHERER
17 West South Street
Carlisle, Pennsylvania 17013
Cra' E, Frischman, Esquire
T ORP, REED & ARMSTRONG
ne Riverfront Center
Pittsburgh, Pennsylvania 15222-4895
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AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v,
94.4629 CIVIL TERM
AMERICAN
INTERNATIONAL LIFE
ASSURANCE COMPANY OF
NEW YORK,
CIVIL ACTION-LAW
Defendants
ORDER OF COURT
AND NOW, this ~ day of _:r..~.l..., , 1995, upon consideration of
\
the Plaintiffs, August Ginter and Linden R, Ginter's Motion To Compel Discovery From
Defendant A~ To Plaintifrs First Set Of Interrogatories and First Document Request, a rule
is issued upon Defendant to show cause, if any there be why the relief requested in the
Motion should not be granted,
Rule returnable twenty (20) days from selVice,
BY THE COURT,
,
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Jut 20 2 15 PH '95
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,.
AUGUST GINTER and
LINDEN R, GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v,
94.4629 CIVIL TERM
AMERICAN
INTERNATIONAL LIFE
ASSURANCE COMPANY OF
NEW YORK,
CIVIL ACTION-LAW
Defendants
PLAINTIFFS' MOTION TO COMPEL DISCOVERY FROM DEFENDANT
AS TO PLAINTIFFS' FIRST SET OF INTERROGATORIES
AND FIRST DOCUMENT REOUEST
1. Plaintiffs, August and Linden Ginter, bring this motion pursuant to Rule 4019
and Rule 4oo6(a) of the Pennsylvania Rules of Civil Procedure which authorizes this court
to:
(a) Compel Defendant to file full and complete responses to
Plaintiffs interrogatories;
(b) Compel Defendant to respond fully and completely to
document requests contained in Plaintiffs First Request For
Production Of Documents To Defendant ("document requests"),
2, On or about March 31, 1995, Plaintiffs served upon Defendant its
interrogatories and document requests,
3, True and correct copies of Plaintiffs interrogatories and document requests
are attached hereto as Exhibits A and B and are incorporated herein by reference,
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4, Pursuant to Rule 4006(a)(2), answers to the interrogatories were due on or
about May I, 1995,
5, Pursuant to Rule 4009 (b)(2), answers to the document requests and
production of responsive documents were due on or about May I, 1995,
6, More than thirty (30) days passed after the date of service of the
interrogatories and document requests without objections or a motion for protective order
being filed by the Defendant,
the interrogatories and document requests now some seventy (70) days past the time set by
the Rules of Civil Procedure,
and respond to the documents requests,
Order,
Date:
7, The attorney for the Defendant has been notified that responses are overdue,
8, Defendant to the date of this pleading has failed to respond in any fashion to
WHEREFORE, Plaintiffs, August and Linden Ginter requests the court to:
1. Order the Defendant to provide full and complete answers to interrogatories
2, All of the foregoing to be completed within twenty (20) days of the Court's
Respectfully submitted,
7/1'/ /1 S-
f (
O'BRIEN, BARIC & SCHERER
/JwJ / tL-.
David A. Baric, Esquire
1.0. #44853
17 West South Street
Carlisle, Pennsylvania 17013
(717) 249-6873
Attorney for the Plaintiffs,
August and Linden Ginter
AUGUST GINTER and
LINDEN R, GINTER,
husband and wif~,
Plaintiffs,
IN THE COL'RT OF CO~lMON PLEAS OF
CUMBERL~\1D COUNTY, PENNSYLVA.NIA
94.46~9 CIVIL TERM
v,
A.'vlERICA. 'l
INTERNATIO!'AL LIFE
ASSURANCE CO~IPA."Y OF
NEW YORK,
Defendant,
CIVIL AC1l0l'\-lA W
INTERROGATORIES OF PL.1JNTIFFS DIRECTED
TO DEFENDA.'IIT, A.\1ERICA.\1I:-.iTERNATIONAL LIFE
ASSL'RA.\;CE CO~IPA.\;Y OF NEW YORK
PLEASE TAKE NOTICE that you are hereby requir~d pursuant to Pennsylvania
Rules of Civil Proc~dure .1005 and 4006, as amended, to fil~ the original and serve upon the
undersigned a copy of your Answers and Objections, if any, in writing and under oath, to
the following Int~rrogatori~s within thirty (30) days after service of the Interrogatories, The
Answers shall be ins~rted in the spaces provided, If there is insufficient space to answer an
Interrogatory, th~ remainder of the answer shall follow on a supplemental sheet,
These shall be deemed to bc continuing Interrogatories, If between the time of filing
your Answers and the time of trial of this maaer, vou, or am'one actin!! on v'our behalf,
. . . ....
learn of any further information nOI contained in your Answers, or if you learn that
. ..
iniorm:lljon -ct ionh in your Amwcrs is or has hecome inal'curute or incorrect, vou shall
. .
prom;llly file and serve supplemental answers.
EXHIBIT "A"
INSTRUCfIONS AND DEFINITIONS
, .
(A) "You" or "your" means the Defendant to whom these Interrogatories are
propounded, including its directors, officers, agents, representatives, and employees; any
depanment, division, subsidiary or other subdivision thereof; or any person acting on its
behalf,
(B) "Person" means any individual. corporation, partnership, joint venture, firm,
association, proprietorship, depanment. division, subsidiary or subdivision,
(C) "Document" means any original written, typewritten, handwritten, printed or
recorded material, as well as all non.duplicate copies thereof whether different by way of
interlineation, notation or otherwise, now or formerly in your possession. custody or control:
and without limiting the generality of the foregoing definition, but for the purposes of
illustration only, "document" includes, notes, correspondence, memoranda, business records,
diaries, calendars, address and telephone records. photographs, tape recordings, financial
statements and records,
(D)
"Identify" shall mean'
. '
1. As to a person (as defined): state the name, business and residence
address(es), occupation, job title. and dates of employment; and if not an individual. state
the type of entity and the address of its principal place of business; and
2. As to a document: state the type of document (letter, memo, etc,), the
identify of the author or originator, the date (or if undated, the date it was prepared or
received) the identity of each person to whom the original or copy was addressed or
delivered. the identity of such person known or reasonably believed by you to have present
( .
.
possession, custody, or control thereof, and a brief description of the subject matter thereof,
(E) "And" and "Or" shall be construed conjunctively and disconjunctively to bring
within the scope of these interrogatories any information which might otherwise be
construed to be outside of their scope,
(F) If you claim that the subject matter of a document or oral communication is
privileged, you need not set forth the brief statement of the subject matter of the document,
or the substance of the oral communication called for above, You shall. however, otherwise
"identify" such document or oral communication and shall state each ground on which you
claim that such document or oral communication is privileged,
INTERROGATORIES
1. With respect to paragraph 45 of the ~ew Matter filed by you, please state all
factual bases you are aware of for your contention that Linden R, Ginter is not totally
disabled,
2, With respect to paragraph 48 of the New Matter filed by you, please state all
actions you are aware which the plaintiffs could have taken to mitigate their damages,
3, Please identify all information in your possession upon which your representative.
Ken Deininger, relied in determining that the injury to Linden Ginter occurred prior to the
effective date of the policy as referenced in Exhibit "I" to the complaint,
"
4, Please identify the document from which your representative, Ken Deininger,
obtained the quoted phrase in his correspondence of May ii, 1992 as follows: ''bodily injury
caused by an accident occurring while this policy is in force as to the Insured Debtor and
resulting directly and independently of all other causes in loss covered by this policy;"
5, Have any changes and/or modifications been made to the Master Policy and/or
the Certificate Evidencing Group Coverage for the policy at issue since 1985,
6, If the answer to interrogatory number five is in the affirmative, please describe
all changes and/or modifications,
Date: S/$1/7)-
I ,
eenllt/lintor.int
Respectfully submitted,
O'BRIEN, BARIC & SCHERER
bw./ ~ ~,
David A. Baric. Esquire
I,D, #44853
17 West South Street
Carlisle, Pennsylvania 17013
(717) 249-6873
Attorney for Plaintiffs
.' .
AUGUST GINTER and
LINDEN R, GINTER,
husband and wife,
Plaintiffs
IN TIlE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v,
94.4629 CIVIL TERM
A.\4ERICAN
INTERNATIONAL LIFE
ASSURANCE COMPA.'1Y OF
NEW YORK.
CIVIL AcrION.LA W
Defendants
CERTIFICATE OF SERVICE
I hereby cenify that on March 31, 1995. I, David A, Baric, Esquire, of O'Brien, Baric
& Scherer. did serve an original plus one copy of the Interrogatories of Plaintiffs Directed
To Defendant, American International Life Assurance Company of New York, by first class
U,S, mail, postage prepaid, to the party listed below, as follows:
Craig E, Frischman, Esquire
Thorp, Reed & Armstrong
One Riverfront Center
Pittsburgh. Pennsylvania 15222-4895
~//~l
David A. Baric, Esquire
Date: March 31, 1995
AUGL"ST GINTER and
L1NDES R, G1STER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
Ct.:MBERLAND COUNTY, PENNSYLVA.'IIlA
v,
9~-~629 CIVIL TERM
AMERICA..'II
INTERSAll0:-:AL LIFE
ASSt.:RA.\;CE CO~lPA.\;Y OF
NEW YORK.
CIVIL ACTION.L-\ W
Defendants
REOl'EST FOR PRODl'CTION OF DOCl'MDiTS
To: American International Life Assurance
Company of :-:ew York and ~hdr attorney,
Craig E, Frischman. Esquire
Thorp, Reed and Armstrong
One Riveriront Center
Pittsburgh, Penmylvania 15222.4895
Pursuant to Pa.R.c.P. 4009, as amended. the Plaintiffs, August and Linden Ginter
and their attorneys, O'Brien, Baric and Scherer, request you to produce copies of the
following documents, at its expense within thirty (30) days of service of this request.
I:\STRl:CTIOi'iS
If you object to the production of any document on the grounds that the attorney-
cliem, attorney work-product or any other privilege is applicable thereto, you shall with
respect to that document:
(a\ State its date:
(h) Idemify its author:
(c) Identify each person from whom the document was received:
(d) Identify each person who received it:
EXHIBIT "B"
,
. .
(e) Identify each person from whom the document was received;
(t) State the present location of the document and all copies
thereof:
(g) Identify each. person who has ever had possession, custody or
control of it or a copy thereof: and
(h) Provide sufficient information concerning the document and the
circumstances thereof to explain the claim of privilege and to
permit the adjudication of the property of that claim.
As referred to herein, "document" includes written, printed, typed, recorded, or
graphic matter, however produced or reproduced, including correspondence, telegrams,
other written communications, date processing storage units, tapes, contracts, agreements,
notes, memoranda. analyses, projections, indices, work papers, studies, reports, surveys,
diaries, calendars, tilms, photographs, diagrams, drawings, minutes of meetings. or any other
writing (including copies of any of the foregoing) regardless of whether you, your former or
present counsel, agents, employees, officers, insurers, or any other person action on your
behalf. are now in possession, custody or control.
DOCUMENTSREOUESTED
1. All documents identified in your answers to Plaintiffs interrogatories,
2. All documents in your custody, possession or control referencing or relating
to claims made by the Plaintiffs under the Master Policy as referenced on the Certificate
Evidencing Group Credit Life and Disability Insurance Coverage presented to the Plaintiffs,
Respectfully submitted,
O'BRIEN, BARIC & SCHERER
b~ r: ~~
Date:
3 /; I /9<;;'"
,
David A. Baric, Esquire
I,D. #44853
17 West South Street
Carlisle, Pennsylvania 17013
(717) :!49.6873
Attorney for Plaintiffs
pnlil/pn..r.req
. .
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,
AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY. PENNSYLVANIA
v,
94.4629 CIVIL TERM
AMERICAN
INTERNATIONAL LIFE
ASSURANCE COMPAI'iY OF
NEW YORK.
CIVIL ACTION.LA W
Defendants
CERTIFICATE OF SERVICE
I hereby certify that on March 31. 1995. I, David A. Baric. Esquire, of O'Brien, Baric
& Scherer. did serve a copy of the Request for Production of Documents. by first class U,S,
mail. postage prepaid. to the party listed below, as follows:
Craig E, Frischman, Esquire
Thorp, Reed & Armstrong
One Riverfront Center
Pittsburgh, Pennsylvania 15222-4895
~/L
David A. Baric, Esquire
Date: March 31, 1995
AUGUST GINTER and
LINDEN GINTER, husband
and wife,
Plaintiffs
v,
t..o '-
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
94-4629 CIVIL TERM
AMERICAN INTERNATIONAL:
LIFE ASSURANCE COMPANY:
OF NEW YORK,
Defendants
CIVIL ACfION-LA W
CERTIFICATE OF SERVICE
I hereby certify that on July It!, 1995, I, David A. Baric, Esquire, of O'Brien,
Baric & Scherer, did serve a copy of the PlalntllTs' Motion To Compel Discovery From
Derendant As To PlalntllTs' First Set or Interrogatories and First Document Request, by
first class U,S. mail, postage prepaid, to the party listed below, as follows:
genlil/ginlcr.mOI
,
.,
Craig E, Frischman, Esquire
Thorp Reed & Armstrong
One Riverfront Center
Pittsburgh, Pennsylvania 15222-4895
~;/l?~,
David A. Baric, Esquire
AUGUST and LINDA GINTER,
Plaintiffs
v.
I
I
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I
I
I
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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
AMERICAN INTERNATIONAL LIFE
INSURANCE COMPANY OF NEW
YORK,
Defendant
NO. 94-4629 CIVIL TERM
AND NOW, this
ORDER OF COURT
:5l~1rday of July, 1995, upon consideration of
the attached letter from Plaintiffs' counsel, David A. Baric, Eaq.,
Plaintiffs' Motion To Compel Discovery From Defendant As To
Plaintiffs' First Set Of Interrogatories and First Document
Request, is DEEMED WITHDRAWN.
BY THE COURT,
J
David A. Baric, Esq.
17 Weat South Street
Carlisle, PA 17013
Attorney for Plaintiffs
Craig Frischman, Esq.
One Riverfront Center
Pittsburgh, PA 15222
Attorney for Defendant
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JU( 31 i 1i1 fN '95
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Law Offlcts
O'BRIEN, BARIC" SCHERER
17 West SuU/l. Street
Carlisle, Pellnsyil'anla 170lJ
Steven }, Flsllman
0/ Counsel
Robert L, O'Brien
David A, Baric
Mlcllael A. Scllerer
(717) 241).6873
FAX (717) 241).5755
July 26, 1995
The Honorable J, Wesley Oler, Jr,
Court of Common Pleas of Cumberland County
Cumberland County Courthouse
One Courthouse Square
Carlisle, Pennsylvania 17013
RE: August and Linden Ginter v, American International
Life Assurance Company of New York
No, 94-4629 Civil Term
Dear Judge Oler:
On July 19, 1995, you issued an Order to show cause as to the plaintiffs' motion to
compel discovery,
On July 24, 1995, the defendant provided Answers To Interrogatories and Answers
To Production Requests,
The responses would appear to make the motion moot and we would respectfully
withdraw the motion at this time,
Very truly yours,
DAB/jc
cc: Craig Frischman, Esq,
Thorp, Reed & Armstrong
One Riverfront Center
Pittsburgh, Pennsylvania 15222
File
O'BRIEN, BARIC & SCHERER
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AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v,
94-4629 CIVIL TERM
AMERICAN
INTERNATIONAL LIFE
ASSURANCE COMPANY OF
NEW YORK,
CIVIL ACfION-LA W
Defendants
ORDER OF COURT
AND NOW, this ~ day of
, 1996, upon consideration of
the within Petition To Seek Leave To Amend Complaint, a rule is issued upon Defendant
to show cause, if any there be why the relief requested in the Motion should not be granted,
Rule returnable twenty (20) days from se~,
BY . OURT,
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AMERICAN
INTERNATIONAL LIFE
ASSURANCE COMPANY OF
NEW YORK,
CIVIL ACl10N-LA W
'. '
AUGUST GINTER and
LINDEN R, GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v,
94.4629 CIVIL TERM
Defendants
PETITION TO SEEK LEAVE TO AMEND COMPLAINT
NOW COME, Plaintiffs, August and Linden Ginter, by and through their attorneys,
O'Brien, Baric and Scherer and set forth the following:
1. Plaintiffs initiated the foregoing matter by complaint filed on August 17, 1994,
2, Defendant filed an Answer and New Matter to which Plaintiffs filed a Reply.
3. Plaintiffs have received responses to interrogatories and document request
from Defendant.
4, This matter relates to Plaintiffs claim that Defendant has wrongfully failed to
make payments under a Credit Disability policy of insurance,
5, On September 21, 1995, Plaintiffs deposed Rodney K. Hough, M,D" the
primary treating physician for Linden Ginter,
6, No other discovery has taken place in this matter,
7, Plaintiffs seek leave to amend their complaint to include additional causes of
action supportable through the information developed in discovery to date,
Attorney for the Plaintiffs,
August and Linden Ginter
8. Plaintiffs' counsel has sought concurrence in this request from counsel for
Defendant but to date has not received agreement.
9, Amendment at this stage of the litigation will neither prejudice Defendant nor
result in duplication of discovery,
WHEREFORE, Petitioners request that they be granted leave to file an Amended
Complaint in this matter.
Respectfully submitted,
<Y.RI~N. ;c:z.RER
David A. Baric, Esquire
1.0, #44853
17 West South Street
Carlisle, Pennsylvania 17013
(717) 249.6873
Date: Z/, /f~
~ I
genlil/ginlcr..md
.
. .
AUGUST GINTER and
LINDEN GINTER, husband
and wife,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiffs
v,
94-4629 CIVIL TERM
AMERICAN INTERNATIONAL:
LIFE ASSURANCE COMPANY:
OF NEW YORK,
Defendants
CIVIL ACfION-LA W
CERTIFICATE OF SERVICE
I hereby certify that on February B ,1996, I, David A. Baric, Esquire, of O'Brien,
Baric & Scherer, did serve a copy of the Petition To Seek Leave To Amend Complaint, by
first class U,S, mail, postage prepaid, to the party listed below, as follows:
Daniel Carney, Esquire
Thorp Reed & Armstrong
One Riverfront Center
Pittsburgh, Pennsylvania 15222-4895
~;?} ~ t!
David A. Baric, Esquire
, ,
.
.
IN THE COURT OP COMMON PLBAS OP CUMBERLAND
COUNTY, PENNSYLVANIA
AUGUST GINTER and LINDEN R.
GINTER, husband and wife,
Plaintiffs,
Civil Action
No. 94-4629
v,
DEPENDANT AMERICAN
INTERNATIONAL LIPE INSURANCE
COMPANY OP NEW YORlt' S ANSWER
AND NEW MATTER
AMERICAN INTERNATIONAL LIFE
INSURANCE COMPANY OF NEW YORK,
Defendant,
Filed on behalf of Defendant
American International Life
Company of New York
Counsel of Record for this
Party:
Craig E. Frischman, Esquire
Pa. I,D. No. 46603
To: Plaintiffs
Yoo Jre hmcby notilk'll to lile a wriUcn
response to the enclosed Answer and
NQf.l MJ:at-r~,..
THORP, REED & ARMSTRONG
Firm I.D, No, 282
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7724
within twenty /201 days lrom 5r.lvicc hr!reol
or a judyment may be entered a!lain~t YOll.
Crail: E. FriRchrmn
AUorneys lor Defendant
."'1431
IN THB COURT or COMMON PLEAS or CUMBBRLAND
COUN'l'Y, PENNSYLVANIA
AUGUST GINTER and LINDEN R,
GINTER, husband and wife.
Plaintiffs,
v,
Civil Action
94-4629 Civil Term
AMERICAN INTERNATIONAL LIFE
INSURANCE COMPANY OF NEW
YORK,
Defendant,
DBrENDAN'l' AMERICAN INTBRNATIONAL LIrB INSURANCB
COMPANY or NEW YORK I S ANSWER AND NEW MA'l"1'BR
Defendant American International Life Insurance (sic)
Company of New York, through its undersigned counsel, hereby files
the following Answer and New Matter to Plaintiffs I Complaint
("Complaint") ,
1, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 1 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at the time of trial.
2, The averments contained in paragraph 2 of the
Complaint are denied,
It is specifically denied that American
International Life Insurance of New York is the proper defendant
to this action or that the same is a Delaware corporation, To the
contrary. the proper party defendant to this action is American
International Life Assurance Company of New York ("AI Life"), which
."6~31
is a corporation organized and existing under the laws of the State
of New York and with its principal place of business located in New
York.
3 . The averments contained in paragraph 3 of the
Compliant are admitted.
4, The averments contained in paragraph 4 of the
Complaint are admitted.
s. No response is necessary to the averments of fact
contained in paragraph 5 of the Complaint relative to the contents
of Mortgage and Promissory Note execute by the Ginters in favor of
The Money Store, because the Mortgage and Promissory Note, being
in writing, speaks for themself. To the extent that a response is
deemed to be required, after reasonable investigation, AI Life is
without knowledge or information sufficient to form a belief as to
the truth of the remaining averments contained in paragraph 5 of
the Complaint, and the same are therefore denied and strict proof
thereof is demanded at the time of trial.
6, The averments contained in paragraph 6 of the
Complaint are admitted,
7, The averments contained in paragraph 7 of the
Complaint are denied as stated. It is admitted that premium
payments were paid to AI Life for the life and disability insurance
policy at issue in this case. The averments pertaining to how the
2
.'''42'
premium payments were paid and the Loan Closing Sheet refer to
written documents, the contents of which speaks for themself,
8, No response is necessary to the averments of fact
contained in paragraph 8 of the Complaint relative to the contents
of the Certificate, because the Certificate, being in writing,
speaks for itself. By way of further answer, Exhibit "0" to the
Complaint does not contain page 2,
9, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 9 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at trial. By way of further answer, Exhibit "0" to the
Complaint does not contain page 2,
10. No response is necessary to the averments of fact
contained in paragraph 10 of the Complaint relative to the contents
of the Certificate, because the Certificate, being in writing I
speaks for itself.
11, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 11 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at trial.
3
,1I1t4t1
12, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 12 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at trial,
13, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 13 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at trial,
14. After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 14 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at trial.
15. After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 15 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at trial.
16, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 16 of the Complaint,
4
.'16&431
and the same are therefore denied and strict proof thereof is
demanded at trial,
17, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 17 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at trial,
18, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 18 of the Complaint,
and the same are therefore denied and strict proof thereof, is
demanded at the time of trial.
19. After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 19 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at the time of trial.
20, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 20 of the Complaint,
and the same are therefore denied and strict proof thereof is
demanded at the time of trial.
5
,.
,1111411
21, No response is necessary to the averments of fact
contained in paragraph 21 of the Complaint relative to the contents
of a Creditor Disability Claimant's Proof of Accident or Illness
Form ("Form") because the Form, being in writing, speaks for
itself. AI Life does admit that it received the Form in March
1992,
22, The averments contained in paragraph 22 of the
Complaint are admitted.
23. The averments contained in paragraph 23 of the
Complaint are admitted,
24. No response is necessary to the averments of fact
contained in paragraph 24 of the Complaint relative to the contents
of the correspondence dated May 11, 1992, because the Group Policy,
being in writing, speaks for itself, As to the remaining averments
set forth in paragraph 24 of the Complaint, after reasonable
investigation, AI Life is without knowledge or information
sufficient to form a belief as to the truth of these averments, and
the same are therefore denied and strict proof thereof is demanded
at trial.
25. The averments contained in paragraph 25 of the
Complaint are admitted,
26, No response is required to the averments of fact
contained in paragraph 26 of the Complaint relative to the contents
6
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of correspondence dated August 16, 1994, because the letter, being
in writing, speaks for itself.
27, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 27 of the Complaint,
and the same are therefore denied and strict thereof is demanded
at trial,
28. After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 28 of the Complaint,
and the same are therefore denied and strict thereof is demanded
at trial.
29. After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 29 of the Complaint,
and the same are therefore denied and strict thereof is demanded
at trial.
30. After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 30 of the Complaint,
and the same are therefore denied and strict thereof is demanded
at trial,
7
,Il'"~l
31, After reasonable investigation, AI Life is without
knowledge or information sufficient to form a belief as to the
truth of the averments contained in paragraph 31 of the Complaint,
and the same are therefore denied and strict thereof is demanded
at trial,
32. The averments contained in paragraph 32 of the
Complaint constitute conclusions of law to which no response is
required, To the extent that a response is deemed to be necessary,
the averments contained in paragraph 32 of the Compliant are
denied, By way of further answer, AI Life denies that Plaintiff
Linden R, Ginter is totally disabled within the terms of the
Certificate,
COUNT I
(Breach of Contract)
33, AI Life hereby incorporates by reference thereto its
answers to paragraphs 1 through 32 above as though the same were
set forth fully herein at length,
34, The avermente contained in paragraph 34 of the
Compliant constitute conclusions of law to which no response is
required, To the extent that a response is deemed to be necessary,
it is specifically denied that the plaintiffs have performed all
conditions precedent to the Certificate necessary to receive the
disability benefits thereunder, To the contrary, Plaintiff Linden
8
,.
.-.
,11'1431
R, Ginter is not disabled within the terms of the Certificate and,
therefore, is not eligible for the disability benefits thereunder,
35. The averments contained in paragraph 35 of the
Complaint are denied as stated. It is admitted that the plaintiffs
have made a claim for disability benefits pursuant to the terms of
the Group Policy. It is specifically denied that the plaintiffs
are entitled to disability benefits thereunder.
36. The averments contained in paragraph 36 of the
Complaint constitute conclusions of law to which no response is
required. To the extent that a response is deemed to be necessary,
it is specifically denied that the AI life has breached the
contract of insurance by failing to make disability benefits to the
plaintiffs for the period subsequent to July, 1993 to date. To the
contrary. AI Life denies that the plaintiffs are entitled to
receive said disability benefits,
WHEREFORE, AI Life respectfully requests that this Court
enter judgment in its favor and against the plaintiffs, and that
the Complaint be dismissed with prejudice, all at the cost of
plaintiffs,
COUNT II
(Misrenresentationl
37. AI Life hereby incorporates by reference thereto its
answers to paragraphs 1 through 36 above, as though the same were
set forth fully herein at length.
9
10
.'''I43t
38. No response is necessary to the averments of fact
contained in paragraph 38 of the Complaint relative to the contents
of the correspondence of May 11, 1992, because the May 11, 1992
letter, being in writing, speaks for itself, By way of further
answer, AI Life avers that paragraph 38 of the Complaint appears
to accurately state the language which is contained in the quoted
portion of the May 11, 1992 letter,
39, No response is necessary to the averments of fact
contained in paragraph 39 of the Complaint relative to the contents
of the Certificate, because the Certificate, being in writing,
speaks for itself, By way of further answer, AI Life avers that
paragraph 39 of the Complaint appears to accurately state the
language which is contained in the quoted portion of the
Certificate.
40. The averments contained in paragraph 40 of the
Compliant constitute conclusions of law to which no response is
required. To the extent that a response is deemed to be necessary,
it is specifically denied that AI Life has misrepresented that
policy provision in effect for the insurance issued to the
plaintiffs,
41, The averments contained in paragraph 41 of the
Complaint constitute conclusions of law to which no response is
required, To the extent that a response is deemed to be necessary,
.'169431
it is specifically denied that Plaintiff Linden Ginter is totally
disabled,
42 . The averments contained in paragraph 42 of the
Complaint constitute conclusions of law to which no response is
required. To the extent that a response is deemed to be necessary,
it is specifically denied that AI Life has at any time
misrepresented the scope of coverage afforded plaintiff Linden R,
Ginter by the Certificate and Master Policy,
WHEREFORE, AI Life respectfully requests that this Court
enter judgment in its favor and against the plaintiffs, and that
the Complaint be dismissed with prejudice, all at the cost of
plaintiffs.
NEW MATTER
By way of further answer and defenee, AI Life asserts the
following New Matter:
43, The Complaint fails to state a claim upon relief
which relief can be granted,
44. The plaintiffs' claims are barred by the statute of
limitations,
45. The plaintiffs cannot recover any disability
benefits pursuant to the terms of the Group Policy, because
Plaintiff Linden R. Ginter is not totally disabled.
11
.Il''''~'
46, The plaintiffs cannot recover any disability
benefits pursuant to the terms of the Group Policy because
Plaintiff Linden R, Ginter's alleged injuries occurred prior to
the issuance of the Certificate,
47. Any and all injuries and damages sustained by the
plaintiffs are the result of the conduct of other entities and
persons over whom AI Life had no control,
48. To the extent that the plaintiffs could have acted
to avoid or mitigate their alleged damages, their claims for
damages are thereby barred or limited,
WHEREFORE, AI Life respectfully requests that this Court
enter judgment in its favor and against the plaintiffs, and that
the Complaint be dismissed with prejudice, all at the costs of
plaintiffs.
Dated: March 7, 1995
THORP,] iZL-
Craig ,Frischman
One R erfront Center
Pitts urgh, PA 15222
(412) 394-7724
Attorneys for Defendant
American International Life
Insurance Company of
New York
12
flip-~"',"-'.'
.Ill"~'
VBRIPICATION
I, Deborah A. McGra.th ,have read the foregoing Defendant
American International Life Insurance Company of New York's Answer
and New Matter. The ave~~ents of fact made therein are true and
correct based on knowledge, information and belief,
I understand that false statements herein are made
subject to penalty of 18 Pa, C,S,A, paragraph 4904 relating to
unsworn falsification to authorities,
I am authorized to sign this Verification on behalf of
American International Life Insurance Company of New York because
of my position as I itig,tinn C;p",.h1lst,
Dated: YnaJc-t'IL .3,191:::-
o&dJr:1-'1 rt~
(). "}n(J.fJdfrA;t::A
/
.'111431
CERTIPICATE OP SERVICE
I hereby certify that a true and correct copy of the
foregoing Detendant Amerioan International LIte Insuranoe Company
ot New York's Answer and New Matter was eerved by first class,
United States mail, postage prepaid, this 7th day of March, 1995,
upon the following:
David A, Baric, Esquire
O'Brien, Baric & Scherer
17 West South Street
C.,'i"e, 'enn'y'vani. ;;,)o~~
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G, Daniel Carney
Pa, I,D, No, 00451
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
AUGUST GINTER and LINDEN R,
GINTER, husband and wife.
Civil Action-Law
No, 94.4629
Plaintiffs,
v,
RESPONSE IN OPPOSITION TO RULE
TO SHOW CAUSE WHY PLAINTIFFS
SHOULD NOT BE ALLOWED TO
AMEND COMPLAINT
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK.
Defendant,
Filed on behalf of Defendant American
Intarnational Life Assurance Company
of New York
Counsel of Record for this Party:
Maureen p, Kelly
Pa, I,D, No, 51123
THORP, REED & ARMSTRONG
Firm I.D. No. 282
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7779
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
RESPONSE IN OPPOSITION TO RULE TO SHOW CAUSE WHY
PLAINTIFFS SHOULD NOT BE ALLOWED TO AMEND COMPLAINT
AND NOW COMES defendant American International Life Assurance
Company of New York ("AI Life") by and through its counsel G, Daniel Carney,
Maureen P, Kelly and Thorp, Reed & Armstrong and submits this Response in
Opposition to Rule to Show Cause Why Plaintiffs Should Not be Allowed to Amend
24201.
AUGUST GINTER and LINDEN
R. GINTER, husband and wife,
Plaintiffs,
v,
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW
YORK,
Defendant,
Complaint as follows:
)
)
)
)
)
)
)
)
)
)
)
)
Civil Action-Law
94-4629 Civil Term
1. The Petition does not allege the factual basis upon which piaintiffs
seek to amend nor the additional causes of action that plaintiffs seak to include,
2, The Petition does not aver and plaintiffs cannot allege the factual
predicate for a bad faith claim.
3, Plaintiffs should not be permitted to amend their Complaint,
presumably in reliance upon a recently obtained medical opinion that has been
Dated: March 4. 1996
, Daniel Carne
Maureen p, Kelly
241011
construed to say that wife-plaintiff is disabled, because AI Life previously obtained a
medical opinion through an independent medical evaluation that wife-plaintiff was not
disabled, AI Life has properly relied on said opinion,
4, Plaintiffs should not be permitted to amend this Complaint because
such amendment may be barred by the applicable statute of limitations,
6, AI Life will be prejudiced by any amendment In light of the fact that
this litigation has already been proceeding since August 1994.
WHEREFORE, defendant American International Life Assurance Company
of New York respectfully requests that this Honorable Court refuse to permit plaintiffs
to amand their Complaint.
One Riverfront Center
Pittsburgh, PA 15222
(412) 394-7724
Attorneys for Defendant
American International Life
Assurance Company of New York
2
242011
CERTIFICATE OF SERVICE
I hereby certify that a true and correct copy of RESPONSE IN
OPPOSITION 1'0 RULE TO SHOW CAUSE WHY PLAINTIFFS SHOULD NOT BE
ALLOWED TO AMEND COMPLAINT was served by first class, United States mail,
postage prepaid, this 4th day of March, 1996, upon the following:
David A, Baric, Esquire
O'Brien, Baric & Scherer
17 West South Street
Carlisle, Pennsylvania 17013
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and subnitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
please list the within matter for the next Argunent Court.
---------------------------------------------------------------------------------------
CAPTION OF CASE
(entire caption must be stated in full)
AUGUST and LINDEN GINTER,
husband and wife,
( Plaintiff)
vs.
AMERICAN INTERNATIONAL LIFE
ASSURANCE COMPANY OF NEW YORK,
( Defendant)
No. 4629
civil Term
1994
1. State matter to be argued (i.e.. plaintiff's llDtion for new trial. defendant's
demurrer to complaint. etc.):
MOTION FOR LEAVE TO AMEND COMPLAINT
2. Identify counsel who will argue case:
(a) for plaintiff: DAVID A. BARIC, ESQUIRE
~s: O'BRIEN, BARIC & SCHERER
17 WEST SOUTH STREET
CARLISLE, PENNSYLVANIA 17013
(b) for defendant: DAN CARNEY, ESQUIRE
~s: THORP, REED & ARMSTRONG
ONE RIVERFRONT CENTER
PITTSBURGH, PENNSYLVANIA 15222-4895
3. I will notify all parties in writing within t:w days that this case has
been listed for argunent.
4. Argurent Court Date:
JUNE 26, 1996
~~~ ti-,
Dated:
Attorney for PLAINTIFFS
APRIL 30, 1996
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AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
94- 4 ~;).1 CIVIL TERM
v.
AMERICAN
INTERNATIONAL LIFE
INSURANCE COMPANY OF
NEW YORK,
Defendants
CIVIL ACTION-LAW
NOTICE
You have been sued in court. If you wish to defend against the claims set
forth in the following pages, you must take action within twenty (20) days after this
complaint and notice are served, by entering a written appearance personally or by an
attorney and filing in writing with the court, your defenses or objections to the claims set
forth against you. You are warned that if you fail to do so, the case may proceed without
you and a judgment may be entered against you by the court without further notice for any
money claimed in the complaint or for any other claim or relief requested by the plaintiff.
You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET LEGAL HELP.
Court Administrator
Fourth Floor
Cumberland County Courthouse
Carlisle, Pennsylvania 17013
Telephone Number (717) 240-6200
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AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
94. 'If., :J1 CIVIL TERM
v.
AMERICAN
INTERNATIONAL LIFE
INSURANCE COMPANY OF
NEW YORK,
Defendants
CIVIL ACTION-LAW
COMPLAINT
AND NOW, comes Plaintiffs, August Ginter and Linden R. Ginter, husband and wife
by their attorneys, O'Brien, Baric & Scherer and files a Complaint in this action.
2
1. August Ginter and Linden R. Ginter are adult individuals with an address of
330 Pine Grove Road, Gardners, Cumberland County, Pennsylvania. 17324.
2. American International Life Insurance Company of New York (uAlLlFEU) is
a Delaware corporation with its principal place of business at 1375 East Ninth Street, Suite
2950, Cleveland, Ohio 44114.
3. At all times relevant hereto, AILlFE offered policies of insurance in the
Commonwealth of Pennsylvania and otherwise conducted business in the Commonwealth.
4. AlLlFE is registered to provide insurance policies in the Commonwealth of
Pennsylvania having registered with the insurance commission on or about May 3, 1957.
(.
5. In April, 1989, the plaintifrs entered into a mortgage transaction with The
Money Store. A true and correct copy of the mortgage and promissory note documents are
attached hereto as Exhibits "A" and "B" and are incorporated by reference.
6. Pursuant to the referenced mortgage transaction, the plaintifrs applied for
credit life and disability insurance from AlLlFE.
7. Deductions of $2,782.50 and $984.00 were made from the loan proceeds and
were paid to AILlFE for life and disability insurance respectively. These deductions are
reflected on the Loan Closing Sheet, a true and correct copy of which is attached hereto liS
Exhibit "C" and is incorporated by reference.
8. Plaintiffs received a Certificate Evidencing Group Credit Life and Disability
Insurance Coverage ("Certificate") from AILlFE. A true copy of the Certificate is attached
hereto as Exhibit "0" and incorporated herein by reference. The Certificate established the
effective date of the policies of insurance as being April II, 1989.
9. At no time did the plaintiffs receive any further documents defining or
describing the policies of insurance issued by AILlFE.
10. The Certificate provides, in relevant part, on page two (2) under the heading,
Disability Insurance, the following:
Injury, wherein used herein, means bodily injury caused by an accident
causing total disability occurring while the policy is in force as to the Insured
Debtor and resulting directly and independently of all other causes in loss
covered by the policy.
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MONTHLY BENEFIT: When injury or sickness wholly and continuously
disables and prevents the Insured Debtor from performing each and every
duty pertaining to his occupation at the time the disahility occurs for more
than 14 consecutive days the Company will pay for each and every day of sick
disability a daily benefit calculated at the rate of 1/30 of Monthly Benefit as
sated in the Schedule for the period...
EXCLUSIONS: This plan of Disability Insurance does not cover loss caused
by or resulting from: (I) intentionally self-inflicted injuries or flight in non-
scheduled aircraft or (2) illness, disease, or physical condition which totally
disables the Insured Debtor at any time during the six month period
immediately preceding the effective date of this certificate stated in the
Schedule, (3) normal pregnancy.
11. Payments under the Certificate were to be paid to The Money Store for the
mortgage account of August and Linden R. Ginter.
12. Linden R. Ginter became employed as a dietary aide at the Cumberland
County Nursing Home in or about July, 1985.
13. Linden R. Ginter suffered several work place accidents from 1985 through
1988, including the following incidents:
May 20, 1987: trays from a cart fell onto her
November 3, 1988: injured herself while bending over to pick up fork and fell
14. Beginning on or about January, 1989, Linden R. Ginter received several
physical therapy sessions to address her injuries.
15. From January, 1989 to February, 1992, Linden R. Ginter continued to perform
her duties as a dietary aide at the Cumberland County Nursing Home.
16. Linden R. Ginter did seek medical treatment for her injury and continued to
work at the Cumberland County Nursing Home.
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17. In September, 1991, Linden R. Ginter was diagnosed as having a ruptured disc
at C5-6.
18. Linden R. Ginter was released to work hy Dr. Beutler, her surgeon with lifting
restrictions on or about December 17, 1992. A true copy of the release is attached hereto
as Exhibit "E" and incorporated herein by reference.
19. On February 17, 1992, Linden R. Ginter underwent an anterior cervical fusion
to address the ruptured disc and was discharged from the hospital on February 23, 1992.
20. Based upon these restrictions, the Cumberland County Nursing Home found
that Linden R. Ginter was unable to perform her duties and terminated her employment
on or about December 17, 1992.
21. Linden R. Ginter submitted a Creditor Disability Claimant's Proof of Accident
or Illness form to AILlFE on or about March 10, 1992, a true copy of which is attached
hereto as Exhibit "F' and incorporated herein by reference.
22. AIUFE denied disability benefits on or about April 10, 1992, based upon the
order of signatures on the Certificate. This decision was communicated by correspondence
of AIUFE dated April 10, 1992, a true copy of which is attached hereto as Exhibit "G" and
incorporated herein by reference.
23. AIUFE reversed their decision on or about April 14, 1992 and communicated
their changed position by correspondence dated April 14, 1992, a true copy of which is
attached hereto as Exhibit "H" and incorporated herein by reference and AlLlFE made
payments to The Money Store for the months of February, March and April, 1992.
5
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24. By correspondence dated May 11, 1992, a true copy of which is attached
hereto as Exhibit "I" and incorporated herein by reference, AIUFE declined coverage
quoting from the Group Policy definition of injury as bodily injury caused by an accident
occurring while this policy was In force (emphasis supplied) as to the Insured Debtor and
resulting directly and independently of all other causes in loss caused by this policy. AIUFE
relied upon this definition and the policy effective date to allege that the injury of Linden
R. Ginter pre.dated the effective date and was, therefore, not a covered injury.
25. Notwithstanding this coverage denial, AIUFE made payments to The Money
Store for the period May 4, 1993 through May 31, 1993 in the amount of $260.40.
26. By correspondence dated August 16, 1993, a true copy of which is attached
hereto us Exhibit "J" and incorporated herein by reference, AIUFE notified the Plaintiffs
that Linden R. Ginter was no longer totally disabled as defined by the Certificate of
Insurance issued by AIUFE to the Plaintiffs.
27. As a direct consequence of the actions taken by AlUFE, Linden R. and
August Ginter have been unable to meet their obligations to The Money Store and the
arrearages as of May 6, 1994, were $2,841.11.
28. The Pennsylvania Emergency Mortguge Assistance ("PEMA") has found that
Linden R. und August Ginter are qualified to participate.
29. On or about May 6, 1994, PEMA advanced the sum of $10,782.71 to the
Plaintiffs to bring current The Money Store obligation, pay back taxes and document
preparation fees as follows:
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(_ c,~.cc
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$2,841.11 to The Money Store
$3,207.76 to the Cumberland County Tux Claims Bureau
$ 300.00 preparation fee for evaluation and recording of loan documents
30. PEMA has began making monthly mortgage payments to The Money Store
on behalf of the Plaintiffs in the monthly amount of $279.11.
31. The Plaintiffs are obligated to repay PEMA as reflected in a Delinquent
Mortgage Repayment Agreement a true copy of which is attached as Exhibit "K" and
incorporated herein by reference.
32. Linden R. Ginter remains totally disabled within the terms of the Certificate.
COUNT I-BREACH OF CONTRACT
33. Plaintiffs incorporate by reference thereto the allegations contained in
paragraphs 1 through 30.
34. Plaintiffs have performed all conditions precedent to the Certificate of
Insurance to receive disability benefits.
35. The Plaintiffs have made demand upon the Defendant for the disability
benefits due.
36. The Defendant has breached the contract of insurance by failing to make
disability benefit payments to the Plaintiffs for the period subsequent to July, 1993 to date.
WHEREFORE, in consideration of the foregoing, the Plaintiffs demand judgement
uguinst the Defendant as follows:
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A)
recovery of the past due payments, interest and late charges on
The Money Store obligation in the amount of $2,841.11;
recovery of the $3,207.76 paid to the Cumberland County Tax
Claims Bureau;
B)
C)
recovery of the fees charged by PEMA in the amount of
$300.00;
D)
recovery of monthly amounts paid to The Money Store by
PEMA on behalf of the plaintiffs;
E)
F)
interest on the past due amount; and
any other relief the Court deems just and proper.
COUNT II-MISREPRESENTATION
37. Plaintiffs incorporate by reference thereto the allegations contained in
paragraphs one through thirty-six.
38. By way of Exhibit "L" (letter dated 05/11/92) AIUFE declined disability
benefits based upon the following definition of injury from the Group Policy:
"bodily injury caused by an accident occurring while this policy
is In force(emphasis supplied) as to the Insured Debtor and
resulting directly and independently of all other causes in loss
covered by this policy"
39. The Certificate provided to the Plaintiffs contains a distinctly different
definition of injury, as follows:
"hodily injury caused by an accident causing total
dlsabl11ty(emphasis added) occurring while the policy is in force
us to the Insured Debtor and resulting directly and
independently of all other causes in loss covered by this policy"
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40. AIUFE has misrepresented the policy provisions in effect for the insurance
issued to the Plaintiffs.
41. Linden R. Ginter did not become totally disabled until such time as she
underwent surgery in February, 1992.
42. AIUFE has misrepresented the scope of coverage afforded Linden R. Ginter
by the Certificate und Master Policy.
WHEREFORE, in consideration of the foregoing, the Plaintiffs demand judgement
against the Defendant as follows:
A) recovery of the past due payments, interest and late charges on
The Money Store obligation in the amount of $2,841.11;
B) recovery of the $3,207.76 paid to the Cumberland County Tax
Claims Bureau;
C) recovery of the fees charged by PEMA in the amount of
$300.00;
D) recovery of monthly amounts paid to The Money Store by
PEMA on behalf of the plaintiffs;
E) interest on the past due amount;
F) an assessment of court costs and attorney fees against
the Defendant; and
G) any other relief the Court deems just and proper.
9
Date:
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Respectfully submitted,
O'BRIEN, BARIC & SCHERER
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F/;Z/fY
( r
David A. Baric, Esquire
Pa. 1.0. 44853
17 West South Street
Carlisle, PA 17013
(717) 249-6873
Attorney for Plaintiffs
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VERIFICATION
I verify that the statements made in the foregoing Complaint are true and
correct. I understand that false statements herein ure mude subject to the penalties of 18
Pa. C.S. f 4904, relating to unsworn falsification to authorities.
// ~:d;-
4~...,,-,,~/ ~
August Ginter
DATED: 7-/9- ?'f"
VERIFICATION
I verify that the statements made in the foregoing Complaint are true and
correct. I understand that false statements herein ure made subject to the penalties of 18
Pa. C.S. ~ 4904, relating to unsworn falsification to authorities.
/:
. '/. /?A -
~(/l4I2Au' - _ rLu
Linden R. Ginter
DATED:, L ~ ~ / r;. /9'lc;
[,hlhlt I
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3503-01lf,90-"
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,I. ^I,,'"".II,," lOr "0'11I'"", 11111,'\\ "I'I"ilalol,' lall 1"lIIi,11'\ 111101'1111'.,', ul/,''')III''II1\ 11'11'111,.110)' "'11I11'1 11I111",
.hr Nllle nll"l'nI:lI/U'I'h\ I ullol 1 10""'111' \hal/h" "I'I"i,',II.,\ ',"11.11-, lil\l ill 11,1)1111'111111 :111111111111 I'ayulol,' '" ',1,,"1... Ioy
""11 11M" 1111"1'11':11"11'''1'10 111l',elll~ ""'11111 ;""''''\II'u)':,Io11- 1111"11' Nil"', :1111,.10"11'""'" I'rill"I':11 1111111' NII'c,
,I. 1',10' /110"""111'1 nlld Ur.eI. 0' '1',./1', ('101111<\' l,h'lIl, 11111111111" \10,,1/ 1""'111111 ulllll 11111111"1"" IIIoIiWII;III11
IIIIIIL" nll~' 1U'1I11!:I~". d""11 ..fllll\1 tit 111111" \I'fllth," il,:II"'III,'ul "ith u 1i"1I "hid. h.l\ ,lIll11h)' tln.t .hi" MUIIJ~n'!I', in.
dUlIIII): 1111"11"'" \ l'UU'I1.1II11\ h' lIIill("I';I)'III"III" "'11'111111", 11111 I ,'" l'l ,110111 ,-:1\' lit ,'UII"" II' II,' Ilni.1 t1111..".lt. :I\\"\\III"lIh
nllll'llhL't dUII):"\. lillclIj; :11111 hnp,,\i1III1I\ :1I1.illlllilll','ln.h,. l'llll't"'~' "hith Ilia) ill'aill i11Ililllh.,.II\....lhl\ 1\"llf'!:lf.:'"
nlllllt'u'wh..hll':I.'IIH'lIlliU' plllllllll U'III\. if.....\'
.". IIn/lud hl!Ulrnlll'r. IIIIIIII\H'I \h:IIIl.\',,1' IIIl' 111I1'11I".11I1..".... IUm' ni\lillJ: lit' 1I1.'Il'ulin ,.u.,...... 1111 .,,,. 1'11I1'\'11)'
;'lIiuu'll :I,::lill\llu\\ h)'lill',lulI.nlll\ i"dUlI"11 nilhilllhl' h'lIl1 ",,',\Ic,"Il'I"'UH'IiI':C", rille' \U....llllh,.r IUI1.nrd, ".. .....,ukr
lIIil)' ""luiH' illlll ill "1,,:11 :11111111111\ :Ullllnr \11..11 1"'1 hul\ il\ 1A'llIh'l IlIil}' ""Iui,,'.
'I hI' ill\III'nnl"l' "ill.lll'f 11111,..lhll: Ih,' hl\IIIOII"',' \h..1I11I' dlU\'!II h~ n.tl,m\n \"hiL."11lI ill'l'llI\nl h)'I."llIh'r: 'IImitll-el.
Ih;1I \1Il'h nl'lIwUl1 \h:III'1II1 h,' uflll'n\nU:lhl~' "ilhlll''''. All ill\WUII""lu,lid", :11111"''''.'':11\ IhL'I\'ul'\II..1I hI! In n 1'11'11I
mT"I"ilhlt. In 1A.'1I1Il'f tIIullth:lIl inl'lullt.' II \1:III1'illllllllllll:=l,:I' d.III\l' ill lil\lIl' 1" :11111 ill .. "11111 :l1""'fllnhl,' In 1.l'IIlIl'''
'.l.tttln \1...11 h""'lhl'li,:hll.. hulcllht'l'lIlidl'\ :IIU''''III''':11'. 1III'II'nl. \1111;1'1'11" "u, h'llII\ Itl illl)' 1I111t1J:iI,~,.. th",'1I U'IIII,I
lit fllh,', \,',.... il)' nl!l""lIh'UI "hit n 1i"1I "hklt h:l\ I" iltl ilr mi" I hi-. MlIIIHa,:t..
In fhl','nnl nllu\\. l1unll"'ct \hull nino 1'"IIIIIIIIWli,'c ". .lIl' iU\III:IIU:,'..:II .il~r :IIICI',clIll,'r. l.l'lIeI,.t 11I:1)' IImlc... ,nt"lf
"' 1111\ 1111I1111I:1111' 1"1111I/,.1) hy 11111111""1.
11.101' I',,'/,ell) I, 1111/1111111111',1 h)' 1111111111\", III II 1111111111'" .:.11\ III "'\1",,"1111 /,",,"1," IIlIhlll .III eI,"'\ 1",," "ll' .11111'
uH.in'l" 1I1:1i1,'d 1')'I.~'IIIIl'r Iu IImlu'H'r Ilwllhe i"\III:1I1l"'I'illlil'l'lllh'I-"lu \l'llh' n duirnliu ill\Uli.tln' h':lIl'1il\.l.cllclct i\
nlllhll,I",oI," ~III""" n,"II1I'I"" Ihl' illllorullCl' IIIlIel',',l\ "I 1"II,k,\ "1'lillll l'ilhn '"11'''"",111111 nr lI'I,,,i, 1111101' 1....I'Cllf
nr It, 1111""1111I' lIj"('IIr"cI "."Ihi" MlIllJ:nne.
h. 1"e's",,,,,ln.. MllIll\lnllllrnnllrr ..r l'ru,u',fJl 'A'U\t"llUl.ltt: ('11I11111I11111111111\; l'IUI,o" : ; 'ul. Ih'ulu,lIIlrlll', 11m-
'"""1 \hall .""1' Ih,' 1',ulI"II,\' ill ,:","llI'l'illl ,lIltl \hilllllll' "'lIl1mit ".....h.llt p"lIlIit 1I1I1';IIIIIII'nl III th,It'lluIUlintll"II...
I.WI"'II)' illlIl \hull 4'1111I1"). ",illt Ih,' ,tlm'hillll\ III illl)' I"il'.,' illll;" MIlII)!;I,:.. i\ 1111 II II'il\l"hlllll. II' Ihi\ M""n:lJ~I' i\ nil iI
IIni, ill :11'111Ullllllillill1ll Itl n ,llnlllllll Hllil ,h'lt"III1I11I'III. lIulIlI\"" \hillll""'"1I1I ;lfI Itl UUllm,,','" U'IIi,!ill;.UI\ 1111111'1'111,'
.1l'dill:l.illll IIr ".",,"11;11I1\ ,.....lIill,: Ifl' J:'''I'llIltlJ! IIII' I'lIlhllllllillhllll III I'lillllh'll 111111 e"'''''I'I''''''II', Ih,' It) la\\\ ill II I
11'J!III.llillll.. "' "". "1111I11 111I1 lIilllll Itl f1lallnnlllllillktl"'IIIIIll'III. iIIlIIIUII\liltll'III,lllfllllll."'\.
7. l'tnlrrUIt" or 1",,"clcor'l S(,l'urU,. IIIIUIIII\\"" filii.. '" 1'1'1111111I 'h.. ..lI\l'II.1II1\ lIlIel UI:"'\'II1\'III\ ,'ulllni""I) ill Ihlli
p..lnrl'!iI'W. lU II nn.\' :lL'lillll II' I'tcll"'l'llhl'~ 1\ "UIIII1I"lIl',',1 "hfl'la lIIul"1 i..II)' :I"n.\ , t'lIth~:"" 11II1'1l'\' in I ilL' l'nlpl'II)'.
.111'11 l,t.'IlIl'I,:1I h'mla'l\ ",IIiHII. 1I,'llIIlIlIlin'llf IIUII"'''''. 111;1.\ 1n.II.t' ..11I11 t1"III'illillh'l'\.IIi..ItIll'.,' \1I..h \IUII\. illtlullhll!
"';l\lIlIil"'" ;11I11111I'." . Ii',,'" :uulln~" 'II, II ..dillll .1\ h w'n'......., III 1'111'1'11 I I'lId,',,,, illh'I' ','. 1II,'.lIllI:r 1I"lnh"IIII"t1I'~il':t'
i...ml:JIU',' UIIj; :1 "l1IllliliulI ullllilkitlJ: Ih,' IlIilll \1"'1111'" Ii.,' Ihh f\'""'~iIW" 11111111"'" \hilll'lol,\ Ih,' 1'"'lIlilllll\ ""I"ir,.tllll
lII:1ill'aill .-..1'11 illllj;ltI:1l1n' ill,'I'cl'f UUliI \111.'111;1111' or\ IIII' 11"llIitl'1I11'llllnr- \lith ;11'.111:1111'1' h',mill:",,\ ill ill.,....lIillll'\' "i1h
111l1"'''rr\ :l1I111.1'llIft'l\ ",ith'lI uw ,.,.ItI"1I I III' llllplinlhh'lil\\.
1\11,\' i1111f1lt1l1\ .lhhlll\,..1 "-"I"'lIlln 11I1I\lIiUII lit thi.. 1'i1la,:I.ll'h ~'. \\ith illl.......,IIII.IIIIII. ill "ll' Nu.,. 1:11.... \11.,11
l'l"'UIIII' iltlclililUHl1 in,"'hh.tllI"'" 11111'11111""1 \lTII'nl ".\ Ihi-. MIIIIJ:iI.:t.. 1'111.'''' 11111111\1\'1 :',11111"'1111.... iI,:n'I' In "11Il"
h'llll,.; nll':1\III1'II', \llI'h :11I11111111\ \h.lflltI' 1':I,'al,'" 111'"11 lIolin' IIlIm "Iu'n hi IIUIIII""I 1l'lllIl.'th'H 11:1~'IIII'IIIII1"II.III,
NII.hillJ: ""!Ilaiu,'11 ill Ihl" I'nln,:llll'h 7 \hilllll"llIil" "'1111,., ... illn" all\'I"I'III'.,. "' ','~l' UII\' :lllilltl h,'I"IIIII"'I.
,ft. ""llr""ulI. '."l1Ih', 11I:1)' mil~I' III ,':lU'.c' 'n hi' llIilll.. '1',I'.fllI:I',II' ","Ii,'" "1"111 :11111' h"'I"'I'lil'll\ It" Ih,' ""II'I'II~.
11111\1.1..,llh.t' I "Ihl,', "h.111 ,tl," lIul,,,.\I'1 U'llit',. Illi'l! I,. ;111'. III II itl'I"'"i"1l "I",,'il'.in.. It':I'.I'II.."',' ':111\" .h"'t'I."
,dilll'll ,..I,'lIlh..'\illh'll'\1 illllll"'II'!'I'I'\.
'I. ("1II1I11'1II1I"lInn. "hc' 11lUI.'l'l'cI\ Itl illl\ ;I\\ill,III, ,I,lilll "'1 ,1111111'1'\. .h,,', I tll l'III'.I'II"I't1li.11. in ""!lllt'l,i"u "illt
ill1~ t'1I1111"lIl11alillll'lI 1I1h,', tilkill,: III IIII' "1"1""" "I I'ltl Il" 1I"f. "' '"' II.",. ,.111,'1' ill Iii II "r. uol"lIltl.ltitll1, ;u.
hl''''II) :1\\i,:lInl all,l ..11,,11 hI' ,mill.u "'1111.'1. '.III.;n I 'ulll' It 1111.. "I illl\ ltI," 1".11'1'. tllT,llI' II 11\' "I "llh" \1'111I ih' :1"11'"
11".111 "ilh :11;"11 "h 11:1\ l"illlil)''''I''''';\ 1\1,1,'";,,,,, ,
350)-0111.90-/,
.
. f\"'''l'i1i'''' .IIUlllu,' Nllh.' IUllllltI Ih,l\'l"I:llil1l1 ''',\1111111: th. IIUIIU\""I llll\', illl hh'adll" tll ;III~ H,h,,'1 \'U\\'lHlllh '"
a.'I\'\'III\'1I1\ nllhlll"'''''' \'l1l1whll'd IJllhi\ ~"ul,'a"t'; 'r.lIlt"II\\t.'1 I':l~' ull fl'lhUllah'" \"1,,'11"" ilh III 11.'" h~ I "'hll" iu
t.'lIhlldUl' rllt' t.'U\l'UlIll" UlIl' ""1\''''1111'111\ tI' lie II II"'," t 111I1:Iill\'11 illlhi, MUII!,l"'\' IIlhl ill 1'111111\'111" 'l.'luk,', 1..'lIh',fir'
"' I'lI,thln' illl'illt1,'tul'h l1'Il'u'u't illdmlillJ', hlllllll"illlllnlllt. u'iI\I'llahlt.' all..tlll'~" h:l'\: nm' hi, 1I1t1l"'\\'lla'.\"
,,,dlllrliulI "' Il'llIh,', 1111I)' "'n\l"mhl~ ""llIi"'11' il\\UI\'lhal,I,,'lkIlUllhi, I\hllll'lIf"'o I \'llIk.o, illl,'.,'" ill 1111,.' 1'1111"
t'll~ 1II11IIIlUIIHU'.', uhli"llli""llll'a~ till' \1I"h '\'\, II Il"I 11\ 11th t\hlflJ':"", ..hall fllII.illlll' Illlillll'lIh,'(I. II""" '"," I'a~:
11I\'111 :IIul nil'" h~ ItlllI U\\l'1, 11th f\hlll,lill'" ;IIHllh('lIhh,':llil1lh \(','11"'11 hrld,\ ,hall I ,,'IIl:li.. ill lull "'h'". 1111I1 ,.'lln. 11\
iI III' mnlrfillillll hml U\',,'ulII.'Il.
I"'. ,\"IJ:ullu'nl ul' 11,'111'.: '\,'llIIlnlllll'II' ul UnI'iH': 1."lllh', lul'II\\,'"lulI. ,\, nalllilillllal ''''''IIIi1~ 1t,.It'lIIlIkl.
'''",.m,.'. h"',d,) :1"';"11\ t., "'111"-" Iht' 1t'111\ 111 .It,. l'II'IIt'II\. pt."i,lnllhal It'U'I''\''' ,hall. IlIilll III ;tn....h,:tlillll
tIlHh:lllllllt,l.ltl"h 17 h"I\'ul tit nhitlhhltlltl"1I1 IIlllh'llllIl'l'Il\. h;I\"',II,' li"h. hi \'IllIn. illUIH'will \fhh '\,111'. a.. .11('\
h"'\'I1I11'" tlm' Ullel pu~'nhl,,'.
l'l'tlll Ih:u'll.taliutl flllck. 1':1111"1.11,1. I; Ill'I"I.1111 al'OIIIIII'IIIII,,'11I flllh,,'I""I" '1~',II.'lItl"I. III I'""'111I, h~'III!I.'IIII"
h~ IIl1lidall)' UI"I'"illh'tlu,\,,'ht't \hllll h,,' t'llIill,',1 hi ,.It":1 "1""11. la~'" 1'1I,\",..iUII ..I UII\IIIUIII:.,.,.' .Iu.. I''''I''''II~ UIHlln
1:,,11"1.'1111,,'11.'111\ 1IIIIu""""l'l"I~ illlhltlilll' Ihn\(' pa"IIIIl'. ,\111"111\ "tllI,....nl h~ I ,',ukl III Ilu' Ind\l" \ltitll h"lIl'l'linl
Ii". 1111'11)11I"'111 nllh,' ,:..,1\ nllllulIll.','IIU'1I1 ..lilt,. l'It'I''''' :11111 "'lllk,'lillll nl "'111\. illdudilll'. hili 11111 lilllih'.I,...
u'n'i,,',', "'I.'\.I'II'lIIhllll\ 4111 H'I.'l'h...', hOllth 1II111 h';I'o.III;IIII\' 111111111"'" In".lIlttllhl'lI 'u .It". \11111' \\','wrtl It) Ihi,
MUlI.~II'll'. I ,'mh:. 1111I1.1". "'.\....iu.. ,"ulll'l' liallk hI .h\IIIIIIIIIIII\ ItU .11..". 1\'111\ 11"1111111) u'n'hul.
In. UI'I"II,r. Ilpl1l1l'il~Ill""1I tll 1111 'IlIll\ ,,'rUlnl It\ .hi. f\ltlll......'.. l,t'IIIII.'1 ..hull tli,dml"I.' Ilti\ MIIII.'U.'I.'" illllltll
...11:111'" In nUll 11\\ ,'1 , IItlfltl\"". ,hall flll~' all 1.,1,,, ul h,,"III:lIillll. UUIt)..
21. 'nh'u',IU.I'" ,\ I h', ."ulnlttl''''. 11111111\\1'1 a..ltt'" Ihal.h,' illh'h...llitll.'l'il~lIhlt- :.lh'l a ;11I1"11I1.'111 i\ ,'11"'11...1 till
"it.' NUl,,' III ill:1II .n,i".. UIIlIlIl'I'a.',' l.u,.tI...."',. '.hall Ii., .h,' ..Ih' 'liI'nl ill .11,' Nil',,'.
III 1.1111 S I I lilt Nfl 1 /l I III Ill' "Ill I
,\NI, 1111111 It 1';1 Iltl IINII'It ~;III'I II/fill
MIlIt II ;,\1 a ~ fill III I Il~ fll 1111 IS I
lleu,u\\\', :UIIII "UCI"'I'"'lltIl.... Iln'lltllll... 'II iIIl\ 1111'1 I,'a"t', tlrnll"'III\"tllllhl'II.'l1l'IIIf1II1UlIl'l' "lIh uli,'u \\hidl
hil\ 111 itlliI)' un'l .hi\ MWI,'lIll\'IU rh,,' NII.in' 11I1.l"III,'I. :III ...,ulr.', iuhh,"",j. ,,,., hl..1I IIIIJlUI'I.' till'" ul.hi\ f\hU"llIl'''',
..I UII)' tlduuh IIIl1ll" ,h,,' \tll"'1 im "111.'1111.)11:1111"1' :till I III all\ '.al,' '" 111111" ICllnlu\IIII.' :1I:liulI.
IN \\'1/ NI \\ \\'111 III tll, """"\\~I lra"''''...'I...II'';' hili..,.",'..,
\\illl\''':
^,rrY' ^'( i.iili 'iii '1''\' . ", ,
. ...... ........... .............
IL........
^II,:U,'t calltcr
............................,.................
.............,................................
I.IlIdclI It . CIlltcr
,....,"~.I
I h"ldl)'''''''lil\' IlliIll'll' IU",,'j""'llIlth,'\\ 1I,.hl'II"lIk. 1~llltll'nl"'\'I h:....,... ......,.. ...............
.......... ,",201. ,(:,!r !,I,,!'c..f~lk~..l:"'lIl', nllJ ',I'^. 11111.1" ",'.......... '.,...,.,.. .,.....""
(,,,1,,",,,,11 ..I' Ilh' f 1',iIIo-" II)':, , , . , , . , , . . , , . . . , , , , , , . , , , . . , , 1 ;1"':, , . ~I!'!'N~~ ~ , , . , . , , , , , , , , , , , , , , , , , .
lIyrulI I.. Wl,t/lllll
('IIM\lIINIII..1I 111111 1'1 NN\II \',INI,I, , . , ,l:I!lI.'I!';f,I.",".", , , , , . , , , , , . , , , ('1111111) ,,:
O,,,"i'.IIr., , , , . , ,I, t, ~I! . , , , , . . , , , , ,IIa)'''1 , , , , .^I'f I !, , , . . , , , , . , . , . , , . , '. f"'~~ , , .. h"',"~ III~. . , ,
n lIotllry ,
. . . . . . . '11' . . . . . . . . . . .. . . .. . . . . . . . . . . . . .. . . . . . . .. ... .............. .Ih,' 1t1lt11.'1 '1,'II".tI,II"I'''II:III)' nl'I''''lIlnl
...,..,..~III,II.n~:!:Il1tcr " 1.llIlh", 11.1:1.111"'1'
..................,... .... ..,...........,......,.................................
Lrul\\I1II1I11'" (m ..U.;,t'ul'llnil)'I'III\l'l1) In II,. I Ill' Ill',"I" ,,1111\1' 11;11I11'. . .n .,Ir.o . . . . . . . . . . \t1h\c:tih,,'d ,".It,. \\hllin
;1I''''lIIh'III:1",1 1II'~'III1\"'II,..'II ,hll',. ",' .. h,'y. " , , , , , . " , . ,. , , '" , ". ,,1,\\,\,,"...11111' '11I'11"'" Ilh'IIIIII"",'"
h'.,l'illl.lllllnim....
IN \\'1/ NI \\ \\'1I1111.1I. 11"'11'1111I11 "'. "')' Ir;o'hl 1111I1 ..lIiI i:tl \I';or.
"'~, ('Ulllllli\\lclll \'\I';'l":
.................
11I1"t,ll"".,"
1!iIIUr.f1 nnlllw 'hi, tllIf! Ih~'u"Yml ('or t"lul", nltflltucofl'm'
(1IIIIIIUU"It"uhlll1ll'l'lIu""unia I
. \,.
(""11I\111 , .
Un"II'n' ill I'". f Ulil,. I" Ih. U....'I",. Itlllnth ill llll.1 rl" ,,,i.1 (fllllll\ 1III"Il'
.Iil\ III . III . ill M'III"lIl'" 1111111. \ f1lutlll' .I'al'"
\\il'" ,\ IIt\ "-uIII .11111 1 Ill' '.' .11.,1 .1I,1..lli'l. II... 11.1\ ;11111 \,..It ;"11'"'''01111
I~t . "I .f. I
.
.
in. lIu...."rr '\... Ih.I"II\I',1; ......".IU.WIl. lit '.'rllln ~1I1 :t \\nll.... I \hlhi.... ..I Ih. IlIlh 1.1 1'.1'1111111 It'
, .
"..~Iirl' ;11 hili ,.1 ,lIl1l1lli,illiHII ,II I hi' '1I11h \., 1111'.1 II, .lli, MI""',II!" 1~1.III1I'11 1.\ "'Iltlu ,.. ;111\ .111, t ','III in IIlh'''.,' ..I
It''IIII'\\' ,11.111 "'IIIII~'lah: III Il''''a", , III .111.' 111.111111" Ih.' h.lllllih t"IIll' 1'li,~jIlOlIIl'Il'''\'''1 ,11I,111,11111"",\ ,111.'''''',1,1\
III illh'U',' I uhl"1 t.lI.tlllltll h,' "'111111",'111, 1111111" Ill" 1"'.,I....lillt., .1l!.li..... ,II. II '"n l".\Il' lit I,lthl' "II'\h'II,lli....: 1111
1',I\II1t'II1 tit Illlh"IIi,,' ...."lih itlll'llllI,ltittll 1.1 Ih,' 'lllllh ',f 11111'1111\ .hi, M"IIt:;I)~I' h. 11'",'111111' .tll\ ,1I-1II;llhllll;II'"I,\ .11l'
"' i.liI...1 ""lIll\\tt .111I1 JlolI""'" \, \11" .'\........ ill 1I11t'" \"\11.\ 11111'1',11 ;lIh" ht I ,'lIlh I ill "U'I\ i,illJ! ;11I\ 11..:11. HI 1I'lIIllh
h"h'III1II.", 'II IIlhl'''\I''tl' :111"..1\"11 It., .ll'l'liti.hl,'I..u, ,hillllllll h. a uili-I'I "'"1 11Inlllll.' ,h.' "\r.d"',,1 .111\ ,II. II li':"I ....
.,'11I1'1'1.
II, ...........""1\ ,,,"I .\\\IUII' lIulIlIIl; .I"ln'ltu,' S,....II.II,lIf.lllhf ('u\IJ!IU'I\, lilt.' """'11.11I1\ ;III" .IJ!"'I'1I1t 111\ hl,,,'i,,
"11I1,.illn' \h;11I hhlll, allll II... li.!llh hlldllllll'l ,11.111 illllll' III, lilt" "'''I~'di,,' '11.'.........1' lilli' il"i,!II' It' 11,1It11'1 111111
111'1111~.n. ,"It,n'l h' IJH'llnui,iIIU" 'III',II",!I,','" ,',111"1",1', \11 .1"1'11:11I1, illl.1 .1,'ln'U"'III' IIIIII"IIH'" ,h..III... illilll 11111
,."",1,1. \f1\ It 1It11" I 'IIIIH'If.li'lll' Ihi, MIIII,:ill!'" Iltll ,lltI:" 11111 nn IIh"ll.. Nil"" ',111\ "~I ,i,~lIill,: 1111, ~III'I"ill~" IllIh III
t111111'!i',:I'.I!I:m' ill..1 \'tll.....I. 11,.ll 1',,". . "1'. illl,'11 ',1 lullh 1""1""1,\ 1111 ,'wk, tlllllt-I "h' h'IIII' 1lllili, MlltIUUI!", till h
1111'1"'1\,",;.11.1 Itilhk 1I1111h' Nllh' III 111111" Ilti-. "lflllt';I::I. ,III.! h' il,:II, I 1!li,1 I ,'It.'I'1 .11'1' .111\ IIlh... 11111,,"'," 11111'1111I1..
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\udl p,'IicIII. Il'llllt', III")", nillllllll '"tlh"1 tlllli,,' ,It ,1t'l1I:1I111 n.. 11111111."'1, ill\'II"" :1tI~' It'III''llh.'\ 1"'lInilh'cI h~'
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Exhibit B
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Ce:=1TiFIED TO as
'A TRUE COpyi
. .
SECONDARY MORTOAOE LOAN
PROI.1I$$OIW NOTE
THIS PROMIS~ORY NOTE IS SUIIJECT TO TM~ ~t10VI~ION~ OF THE SECONDARY MORTOAOE LOAN ACT.
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I a";t:,1I hJ )'urJ. ~UI..s Ji,..:r.:1 ..IIY iU'lulI:r lu lI;l)' ..1lllo'l.:'ll)' 11.1 )'uu, dll)' funu, \"hi.:h IIIOIY Ulo'r.:UIII': 1':1)';llJl.: IllIuu~h ill-
\\1I;U1-':lo' ulIlhlo' Io'ul,..I~:I..l ..I.'.....uiltc Ihi.. I&)all u. ,,1"11110'11 in .,:UIIII......liulI \..ith thi\ IUtllI ,11I..1 aUlht.l,i/... )..u IU ".II..IUI\Io' all)'
JIJII in )'t.JU' l1~uil": "'I III) n;IIII': i\'loulo'.J U)' ;11I)' ill'.w,,:!. '1 Iii.. ;1'.\ic"I11Clll ill.:lucJ...\ .Chllll ur UII,,';III1.:U ill\ur:Utlo'':
pr":lIIiu.lI\ ur .:II."CC\ "hi-.:h \..ill u... :~flpli!:&J tU lilY ulIlI.u.I h~".U11o''''. ~l' ;lfHIo..P:I)'III1,:'II.
b, IIllltltll\\'I:Il'~ 1',\ nil-XI ~ 111-:1-'0111': Till-:\' ,\111-: llUI':
I h..",. Ih,,' 111'hl I~I 11I:11.",' P;I)'IIH'III\ \If pi ill....lpal al ;'11)' 111111.' h..'I"&JI': Ill...)' ar.' "'U... ,\ 1';I)'JII..'1l1 uf f1rill,,'ill~11 ulIly i\
'oIIU\"'I:I\.1 "l'h'I':I'tllh'U1." \\'h.'1I I rl1a~~. :IIHt.'P;I't'llh'lIl. I \\ill Idl III.: Nu".lh,I.lt." ill:1 h.ltt.'r 111:11 I :lIl1lhlilll~ '..1.'\
l.l:IIr'~:YI.'.'t.III.\-T:.!.: .I/I:~ - i..tJt.I.~.'~~I:cnlf1) :'1' )I"I'I::~L";J:
I'r'I',')'II'"1 011'.11 "I' ,hc lI"p.,J 1'"11"'1'.1 .. ~I"l\'" .1\,' "lulll,r'I',')II"'II," ,\ I'rcl',')II,"'1 OIl ,",1)' 1,"11 ullh. uIIl'a,u
Ilrllh,: 1 1'.& 1 1\ ~1I11"'1I .1\.1 "I'.lfllalllll.'pOI)"IIlCIII,"
111I.,), III,'~C a full pre l'aYIII' II I ur a p"rllall'r'I',')'IIl'"1 ","huul I'"vio,: "oY l'ell,llly, Th. NOlie lIulder "'III uw all III'
0'1 I'r,p;,)IIIeIlI' III r.duce th. a lIIuU II I .,1' p,""il'.1I Ih.11 uII,"I11I,r 1111\ NOlie, 1I1111,'~e ;'I'.lIl1al 1'''l'a)'III'"I.lh.r, WIll
h. 1111 dd,,)" "' Ih. due li,I'" ur Ch;III,:" ill Ih. a 11\1111 II I'. IIf IIIy'II\Ulllhly pa)'o"OI' uol." Ih. NOlie 1I111.ler agr.", ,0
wrllio,: III Hlllw del,,), IIr .holl'I:'" IIII"Y lIIa.e.1 filii I",,!"')'III' II I :,1 allY lillie, II' I.h",'" '" "",.e a l'"rli,1I p"l'a)'II,,'III,
Ihe NIlIe Iluhler OI,'y re~ui" me hI "",.e Ihe pre P,,)'II 11'11 I ,'"lhe 'a Ole d.y Ih.1 Ulle OIl' III)' "'"l1lhly 1',,)"""1\ i, uue, The
Nu.. IllIhler 111;') ;II,u "quire Ih;,llh. .11"'0101 "I' "')' ll,lrli"'I',,'paYlllelll he '<lu;,IIO Ih, aOlO'"11 "I' rrill.il':1I Ih;,1 woulu
h.a\'!,: be':lI p.trl"f 111)' 11\,'\1 un": or ntllrl.' 11101\1111)' p.l)'IIH:lIl\.
7. 1l0lUlO\\'t;Il'S WA1\'1:ItS
I ",ai,,' "'Y ri,:hl\ III re\juire Ih. Nu.. lI11hl<'r 101 dll ..n"ill Ihilll:" TllIl\e Ihiog' .11" IAl 10 u'III""U pa)'1I1e1l1 IIf
."'''"01' dlle 1~lIuwn ,1\ "I'r.,cllt",elll"): lllJ 101 gi'c lIullC. th"l ,ll1'UUIIl' du. h.ve 11011 l,c," I',.ill (."11"" ., "lIl1lie. OIl'
dl\huIIII'''); ICI,.' uhl,'"1.11 0111.,..11 .crli,,'.'"I1I1,'f 1I.1Ij1"J"'CllllkIlUWII :',,, "l'rol.,I"), AIIY"II' d\C ",ho .I:re.- 101 k..p
Ih. I""",i," ,",,,k io Ihi, 1'1.'11\, IIr ",ho "g"'" lU "",1:0' l,ay",..,I, Iu Ihc ~;"IC lI"idcr ,I' I I'"illll '''1' OIl I'rollll;'" ulllier
Ihi, ,....lle. ur wil" ,i.:o, Ihi, N.ll' In Ir:,o',fer it Iu ,,,"I1',,"e .,1... .,1\11 wail'", Ihe," ri.:III\, 'I'h"e l'erwI" ar.: I.IIuWII J'
");u.1rtlllhlr\. \un:lic\ ;and I.'mIUr\L'f".'"
H. GI\'IN(; 01' NllTlCI::S
AllY o"lIee Ih,,1 11111\1 be 1:1\ ell tn lIIe III"ler Ihi'. N".. will he hivell hy ,Icliverilll: illll' \1f 1Il"ilillg it \1y ce"ili.d 1II"i1
a,hlre"..1 III Ole :rl Ih. I'roll'.n)' A,IJre',\ :rlll'VI', ,\ llI'li~, \1111 he .lelllered ur ,"."I~d IU lIIe "I .I,hlferenl :,dMe" ill
J.:ln: the NUll: Iluh.h:r., noti~l:...f my dlll~rl:nl ;nhln....'..
,\ny ",,"ce Ih:rIIllU,1 l>. J:"'~O to' the Nil" 1I,,1.l<'r ",,,,", Ihi, NIlle "",IIl>e I:"'ell h)' 1\I,lIlinJ: ilhy .ertii'reu nlolllllllhe
N"le 11"lder "t Ihe ,,,I.I,e',, \1.,,,.1 "' Secti,," J .dllln', ,\ 1I01i.. ",II he ",ailed In Ihe NolC II"hler al a dilr.,,'nl aullrc\\ if I
.,1II.:I\I.II.II1Uli...~.llllh.11 ~lllr"'ll'1I1 .1I1.lr\.'.."
'I. JtJ-:~I'UN~IIIILrn' 01' l'I;II~()NS U;-IllI:1I TillS NllTI:
II nHIIL' thilll Hill' j'l'r\Vn '11-:'" Ihi, f"hllC, \.';II:h uf U', j.. 11111)' ;wd I'C'\I'II"lIy obli.:ah.'ll 1\111;1)" the full .1111\111111 uwcd
,,,"I to, I..el' all.,f Ihe \'''''111',., lI\,IIIe in 1111\ NIlIe, ,\11)' I:II,II,IIIIM, ,""IY. ur elld,mcr of 1111\ ~1"IC 1,1\ ,Ie,"nheu in ~ec'
""" 7 ,.tlllld ". ,Ii". "(,\,,:,,IC.I 10,10 Ihele Ihillt:'" '\ he ~.'Ie 11,,1.ler OIl,')' ."Iuree ;1\ "I:'''' ollll.. Ihi, 1'1111. a,:,lill\1 .".h
,.1 u, 1I1111\hlu.llh' lU '\I:.HII\l JII 1.11' \I'll IU~:l.'lhl.'r. 'I hl\ 11I1.:.111\ lh.11 .IIIY 11111: or u, "'.Ir 111: ''''lIu1rl.'ll In I'a)' .111 ul' Ihl.:
'"111111111\ 1I~,'.II1,"ler II"" ~.."., ,\IIY I'er','"' ..:,,, 1,,1.''',11'.' Ill)' "11hl', or Ohhl:ali"n, III1r1er Ihi, N,"e ,,,II have ,iii nfOll
rll:hl' ,,",1"111\1 ..""I' "I: IIi' n.)' I'rlllll",,'\ """," ill 1111\ ';"CC, AllY per,on "hll la... "V':I 1111' ,i,:'II', nr IIhlij:"III"1\ \If a
gu,II,,"I,'r, ,,,,el)'. ur ell.lll"cr 011111\ N,'" I"" ."",,"1,,'.1 ill ',eel'''" 7 ,110"..1 1\ .d," III,h,:,,'e,1 '" ...'1' "II "f Ihe
prol11i,c\ m.ull..' in Ihl', ~""c.
................................................................................
Augutit Glntl!f
/111""1"1"
\\.1(11.....\
................................................................................
Linuen H. Cint~r /lu"","'"
................................................................
.
.............................................................................
/lurrll"'."
AT'L"{ .\1' LAW IN P,\
........................... ..j;,:;;;::,..:;..........................
1',,," 'I'll '1'111': Ultlllm UI'
'1'111: ~IU~mY S'I'OIU: l'lNANCIAI. CO LNC
~lana~c r
~
Exhibit C
~
.~'",.."'f-"I"l
.,,'" .~ .-~
'.. ~ : .. ,... 'JIt.......I!f'..~."" .....
C~~SI~~,~AT~~E,N~;,,:";:: !
ITEMIZA T10~ OF AMOUNT FINANCED' ,
"'.' ,',' ..",..," 1m ,J'
' : "....!\~'fll:""'~~~;;:\!i;~:.\j,~; ;"(\": .' ACCT.' 35 03 011490-, ,~
I ,'I t I. I . ".\i ..,,,If.~ I,.'" I "
Co.. Ina .",":':;::: ,', ~:j.~,: l~~'/.'I' ifl!! ,~, I,' :,;' ii ' ,", ',\,
. .,:" ',' ,'~ ,,>.1' , ~\"t ".,.1 .'~~,ll "It ~ \ ' .
. ". ". I I, 1\. f.1~ I'" t~~,.. b " ~
, ,,' '"" ,;~ "," ,1/' ,!'~~I i' J'( h'...-
, " '" '. 101"', . ,1, . I 'l"iJi
\.\' :.'t "'~"\II,I..t~ ~~Jl""j"",,br'l ~
", I ,.','. l... ~Ii :: I....... j'",t; 1" \'
,'I .':j :";Ol,'~r" .'.;.J .". h. ~... "
AUlu.t Gillter , Lind.n R, Gintu ' "..,' "
8811'9-42-7202 891330-49-2620
"
Lender: THE MONEY STORE Pin.nala!
, '4201,C..-11I1. Plk.
:';";Cup Hilli ".. 17011
. ;. .'/,'" -:,'.
.',' .
.... ;
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: " :i'~;' :,BorrOW'iler(I):
. '!: .
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PremlHI Mortgaged: 330 PiliP. GtOVO Roftd ~', . .'. ' . " , .. " .', ,; l-
Oa cIn 1" '173'4" ..' "." ill' ,','.. ':," it ,i1'.",),;",..,, . "
-...;,'....'.,.", "Y' nL::~' ~~~~,'fi..1t.,','~.'N..~~:,',ir"~l;~'.,(~~l,,.~~ ..' _"~.'rl.':,....\",:" : ;'" '
"., ....... I < .,'I.r~-r,t I , .t~"'~'~':J..
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,..
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~' :. .'( ....., 't,! I ..../:.., ..1
I,i . " "'.FI/l:~i...I~~~!1'...1J.:~~;;..:..:,'i L ". "'r." '..
itemization of Amooht..F1nanced , ,';,":!!~I~~ ~\lti.~\)~.:~r.1W~~J~!~I~;~l:J;j;;/;ly'.. ,:'
, :. "I:~':J~ll\' t\lr6tft.'~.,rr1t,~1il.. '.I!' ,1 ~..~ 'J..' .'
t. Attorney Fee To, lobut C. 8aidi8 : $ ,~':: :,'100.0Q Jh'l ,', ; t:,.., .
, .' 1 ~";, " . \.
,2" ,L1'e,!I1I11rance,"'." $ 2.782..50,,'i,:, :,;'~ " .1;" ',:,: ,',' "
~'. . ~ . '; .'r{;J' '1';tJf.\~'~':;i,J ...;:.,~:..;;..:.~'~;'. ," :-.
3, Dlsabl!IW}.I!I~!~!l~~,.;."" ;',$ ':';::r'~~1~R~,Wi6t.1jiJ~~r'.~;r:!rj~l!;(~.,;,;'.. ,;, ' :',
4, Prior ~c~~nt Wiih"THE MONEY STORE $" . ',". ~oO~~'~~IN. tit1l<!'fn.1I'W"j\'.I~~,.,!;!f:';: .;,
.," ;. I " .... ~ _.: ......!!~.s:ti..~..:._
&, Apprall8,-Tu'Jorilt-ROV8 $ 70.00 "?,~' " ,'.'.
$
$
$
.
$
Melling Addrel8 (I' other than above):
.!::.,._,..;t":;'l~"l':\' ~,,'~i",~-':. '1,,1~',
., , .'.
It
Date 0' Clollng~, April 11. 1989
^,"our~ 01 loan:
$
@$
$
$
19,'00.00
2711.11
Monlhly Paymenls:
180
T oIa1 01 Payments:
50.239.80
AmOUI~ ollnlllfesl:
\
30.739.80
" '
I. Tille Insurance To Robart C. SlIidi8
7. Recording Fees
I. Credit Report
,; ,t;,:',
"
I",:";:r.f~ ., ~"""P"'t""'71"-';-'''''''''''''''''''"
' I frr~ t !l' I, . ..' ~ I' '. " ,~
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Due Dale: ';,11." 1.5. ,!lie,),:: :.,~ ~
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"', '".'. ':"\,t.~: .'h'. · .
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Annual Percentege ' ",'
Rale: 1.5.87
"
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2'8.00, . ,...', '
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12.00;1"" '
.' .'\
2.90,' "
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"
1;'
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.00
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" 2.328.00
2..730,00' ',,:'
1.906.00 :..
251.00, '
2.100iOO':
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iEL Ijo, t:lpr 013.92 9:30 P.Ol
AMr':~ICAN INTERNA:IONAL LIFE '.
ASSURANCE COMPANY OF NEW YORK
70 PINE STREET, NEW YORK. NEW YORK 10270
A CAPITAL STOCK COMPANY
(Herelnefter Called The Compeny)
CERTIFICATE EVIDENCING GROUP CREDIT LIFE & DISABILITY INSURANCE COVERAGE
SCHEDULE
, InformaUon Section
'Insurance elleclive only If a premium appears In this box,
crrCCTrvc OAft SCHCO. IHIT&AI. AfetOUNT TorAL ""'U"''' TOTAL '''.MlU...' MOH'"l.y........nv
QlIHSURANCt urc DllAIlUn ICHto, Blttcrn
Cl!H1N-tCA" TEA.. 1"14"
1lA,I....tn U.. DlI,
1olO, ...., 'A. IMOI.I . can. t C,OTA . CCOT. 1"'lA, ,
12858 4 11 89 110 30. .00 2.782 '0 98409, , 120
The Credit Life Insurance Coverage limit Is $, 30.000.00
Tha Monlhly Disabilily Benelll limil is $, 179.11
Name of Insured (1) Allnae r::1Deer
(Age) 36 D.n.lI. 6-23-52
Name of Insured (2).. Ll""'en J. C1nce1.'
37 D.O.B. 5-19-51
(Age)
COVERAGE
CREDITOR BENEFICIARY
LIFE INSURANCE
Decreasing Term:
a; Joint L1le
the Honey SCore
GROUP POLICY NO.
OISABlllTY BENEFITS ON INSURED (1) ONLr
lJ Relroacllve to first day il disabled at least 4 days,
U ElImlnallng first 0 days of any conUnous period of total disability,
8313
Caccnd eena:::lnrj:
; "":Ie: 1. C"~e&~ ...
("10"' TO CHANGe C~D IUINII"ICW\Y IS "'~R"'O DiY IN~UncD)
,\apse GaUl:
INSUREO'S STATEMENT
~7~~~,:n~aledISI~eandCOrrerA~
~;;f" 11. Nam..!:!..l!,r)nsu~' .: (1)
Vl(.''\''~ I'( ~~'-'"
Name ot Insured
(2)
PLEASE
-
yo. DAY ,It.
DATE OF
TERMINATION
(1) Complele lhe information on Ihe righl ~
(2) Check one of the fallowing reasons lor lerminallon:
RETURNED PREMIUM
I
~
f"',
Exhibit E
. ,
,
,
',. ~,
ATTENDIN9J~HYSICIAN'S SUPPLEMBNTARY STATBM.BNT
" ",..,.,.,_ ,Ij qUOItl"".'
PaUenl'INlme: T ~"rt,:an II rHnt'p,,-
1, (a) NaMa 01 slcknell or Injury and compllcalloOs, ,'any, causing onsel of Ihls p""od 01 tOlal dlsablllly
cervical spondylosis neck pain
(b) Explain subsaquent compllcellons, If any, whiCh have or are now allecllng this periOd of lotel dlsablllly
2, Whel operellons, If any, wera pet formed since 1881 slalemenl?
3, Give dales 01 Ireatmanl since lasl slatemenl: Home
Olllce 12/3/92
4, Was pallent hospltellzed since lest statement?
From
To
Name and Address 01 Hospital:
5, Have any other physicians been In attendance or consultallon upon the claimant since laslsletament?
II yes, give their names and addresses:
&, How long wes or will petlent be totelly and conllnously disabled?
~~ ~~
From "17/Q? 19 P.M, Throughl"'7/Q? 19 P,M,
7, How long was or will pallenl be partially and conllnously disabled?
A,M,
From 12/17/9219 P,M. Through 12131/9219
on 12/17/92 51b weight limit
Y't"\.,.tr 4='1"\11"- hnn,..a 4='41ra rtaya Fn,.. rt.Jn
then full time hours
A.M,
P,M,
8, Currenlllmllallona and raatrlctlonl. If any:
9, II this patlan! 10lally disabled Irom each and every occupation?
If no, please explain:
10, Whalls Ihe prognosll?
Doctor's Slgnelure et///.. .,~. l?:u,_:?m.'
.~,.~
1"R,Q?
. .
Dale
',,~'
Ooctor'sName(plaaaeprinlWi 1 H Am R""1'1 ",. M n Telephone Number V 1 7 )';Q7-~Rnn
Office Address
920 Century Dr. Mechanicsbur~. PA 17055
NumbIf a... CllJor TCMft ....
,
. ,
UDa,<s
ZIp Carlo
~
~
.
,
1
\
Exhibit F
~
~
Exhibit F
. .
American International Life Assurance Company ot New York
1375 EAST NINTH STREET. SUITE 2950, CLEVEL.f.ND, OHIO 44114
Any prrson who knowlnQly end wilh Inlinl to defraud any Insurance company or olher person Illes a Ilalement 01 claim
conlalnlng any meleriAlly lalse Inlormlllon, or conceols for Ihe purpose 01 mlsleeding. Inlormallon concernlnQ .ny I.ct
mllerial thorelo, com mils a froudulenllnsurance aCI, which Is a crime,
CREDITOR DISABILITY
CLAIMANT'S PROOF OF ACCIDENT OR ILLNESS
IMPORTANT: The lurnlshing ollhlslorm, or lis ncceplence by Ihe CompAny, musl nol be conslrued II an admission 01 any
lIabllily on the part ollhe Compnny. nor a waiver 01 any ollhe condlllons of Ihe Insurance conlract
Full Name L, .ufl"l1! (~ (~i ,VIer
Currenl Add,rss rk' ,l,/}t" d"..,<.'t' /2.1
Policy or Cerllllcala Number
AuIO Dealership
Employer & Address C. ",,,I',", /" ,'\J n (' " "",i"
,
Telephono Number(717] iJ'lr;". JI ,):(~,
Oalo of Blrlh 'i . 1'1 ....Ii I
Ellacllve Dale 01 Ins.
Occupallon 0; ;T - /J; ()
llJ...".'iIA)S "..Itt~
a,m, Jl! '
p,m, 0
2l
c
e
:l
CII
.5
Oelo accident occurred or sickness beQan
1917 Hour 10,,/;1
r,"619 '1,l. Hour (.:0"
Ie"
a,m, ill
p,m, 0
-
o
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t:
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u
...
:l
o
>-
-
o
>-
a.
o
u
,.,
.c
u
i
51
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ii:
When did you cease work?
Whnn were IIrsl symploms obsorvrd?
JLVt) 1'11(,
When WRS lirst Irf'Atmp.nt r~ceiYed?
..,; 'l!;'.!.~.:.l..L__ __.J.1Lc'W-J:L'1'
U:UIlD nnl. :uld,,..,!\ 01 :I<<"f'ldln9 phY"lcl:ll1ls)
.IJ..,._,-,.',-,!.JUII~il,e....j/(.-'J:. _ lJ1Il:_5-1lP,_c...c..,yT:;?Ja/rJ..,.J1tJ 11I;(' ~.t.U7JI!l"'ltJ~
II afcldr.nl. mdlCi1M hO'N 'Nhen and wh"re ,'occurred
Oo.cripllon of Illness or injury
~J1;.l::l.U.L(-ItI."'I....J;/.'1".fJ ...-;4~.z. r;.J: ('-?'-t.,_~/~"(l1.t' ~p.J..'
Wero you hospllallzed? II yes. g'vo doles . ,
(hr.l~ ~I ,lIe lI1e~. C.."" DOle Enlered O,schA'llOd
';aOl e nntladd'e", ,:f ~~,p'lnl __I: ~!,....n.T.L'l7.'! __ ,_" __'_ .. I.~ ...1,--2.3 ~!i"./).
Have you been Iroubled prev,ousiy wilh Ihis disease? Ves 0 !'lo 0, II yes, ploase exploln onJ Indicale dale(s)
~
<It
Ii:
o
Q,
~
Have you relurned 10 work, II so on whal dale? Ves 0 Dale
II nOl, when do you expecllo relurn? No tB Dale (. I
Indlcale names end add'esses 01 any olhor companies making poymenls lor Ihis same dlsabillly
.19
.19
I hereby assign to 'r ..
N.",. 01 (';,. oln' ^drl'"''
10 Ihe exlenl of IIslnle,osl as cred,lor, any Indemnily peyable under this cln,m,
Permission Is hereby g,ven 10 any phYSIcian, hospllal, "sociaUon Qr employer 10 give InlormaUon requesled in connecllon
with any Injury or sickness. treatment. prescription or on employmfmt to the "rjJO A'f",,~'t!'?'17~p
or ,Is rnpresonlel,ve, A pholoslal of Ih's aulhorrzal~n may bo accepled wllh the same eUI~OllIY
IIlhe ollginA' .~" 0 '
Dole /7.'-7"",4-..-1_':_"+/7 5.-!:::-- 5'gn.lu,p 01 CI.'IlI.OII r.--.L:-:L "'N. f..Q..~"y -Iu.~'-:-er..~'V
:'1"'" (1In'l
."
'-
J ATTENDING PHYSICIAN'S REPORT
1\ (To be lurnllh.d Wllhoul ..p.nl' 10 Ih. complny)
Nlm. 01 Pall.nl Ag.
Linden Ginter
Nllure of Ilckn'll or InJury
SIP cervical diskectomy and fusion
Wh.n did Iymploml lilll app..r or .CC'danl happ.n?
5/20/87
Wh.n WII iIIn... lilll known 10 p.li.nl?
5/20/87
Inlllallrealm.nl d.l. if Olher doctor(I' conlull.d pre.loully,
patient was first treated by Dr. lIarmslcomoany MOI,,!- Hmro nr iRj\UY
Wh.n did pall.nl 11111 consull you 'or Ihis condilion?
12/11/91
Give del.s 01 ".almenl.
12/11/91. 3111192 in office:
HII paU.nl ever h.d lam. or limil.r condlllon? Ves
hO!lpi!-,,'
No 1('t
?"'/Q?
(II ..y.... gl.e d.tes & descrlb.)
Describe any other dl..... or Infirmity all.cllng prusenl condlUon.
GI.. d.,es hp was TOTALLV DISABLED Irom p.,lorming .ny .nd every duly p.na,nrng to his occup.lion:
FROM 2/17/92 To 3-4 months
Have you dlscharg.d p.li.nt? II Y's, g,.e dale: Vas 0.1. . 19_
II nOl, eslimate d.te he may resume work NoX:: oale-nQSsibly__J::..A-IIlcnt-h" . 19_
o.te 3/-1+1-9:1 S'gned ft-/lt' -: ~- ::tlA: oM/)
A"'~ Ph"'''''"
Address - n 0 _C~n t.ur't-l)J:i.llCl--._lJcch.:micspurg , IlA-17 0-5 5
Sit.., "II, 51,a.
STATEMENT OF CREDITOR
,. tJame olln!aUfed
,n lull a, MaSllr Conlracl No,
3a. Termination b. Policy or CaUlhenle No.
b, Date of Loan c, Account No,
4, Orog,n.t Amounl ""',.",.,.".",. , , , ' , , , ' . , , , , , , . , , . , , , , , , , , , ' , , , , , . " S
.. Amounl 01 monlhly P.ymenl., .. , , ' , .. , , , , , , . . ' .. .. , .. , " '..,,'... S
b, Amount Paid", ,'. "",',',,""," ",5__._
C, Nel Bal.nce, , ' , , , , . , , , , , , , , " S
5,
Name 01 C"d'lof
MIS'..,
CII,
51111
I hereby cenity Ih.llhe .nswer. .bove given .,e lull .nd true:
Comp.n,
d.led Ihls
19 By
Subscribed and sworn to before me Ihis
d.y 01 19
5'11".111'.01 Null,', 1M Jwtl.u
EMPLOVER'S STATEMENT
Employeu's 'iame 0010 Hlf8d_ NOlnl8 01 Company
11l\)'Jfr..\ (1,I.\"'il:-X -1-l1',~"" rllth~, 1'(' /.\I'~c:..I"\(\ ~1r','l'Il:
On what date dId he lust slep work entirely because 01 thiS On whOI date did he resume any pari 01 hiS \IIork. supervisory or
sickness or Inlur:y? otherWise?
, ~~I\ , II. , 19 r~ /,)
O.le ".) ( , 19 ~ S,gnalure ot e"/f'oyer :...JtjJ.J,. , ,
Phone No (111 )~l,"IC'~ I Addres.37S ('IIII~,fil'l'~"
1$"..t and No I
,19 _
1.1'."11' )'.(
II
" J'thf Jnfu. -~
\).~ ('I-'I<l.'
. lell, Sial.,
flr\'/~'1-I ,
. "."1 .
r r itA
11/.':',
II.eoc..l
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Exhibit G
~
~
II,
11fWW 12m)
- .
American Internatlol.dl Companies
Accident and Health Clalma Division
One Cleveland Center, Suite 2950
1375 East Ninth Slreet
Cleveland. Ohio 44114
(216) 479.6650
1.600.551.0824
April 10, 1992
Linden Ginter
330 pine Grove Rd.
Gardners, PA 1732<1
RE: Pol. #08313
Claim #
Dear Mr. Gintar:
We are writinq to you with reqards to your c:1.aim tor accident and sickness benefits
under the above captioned Policy number.
The certificate of Insurance provides that DISABILITY benetits are payable to the
Primary Insured (1) only. gn; benefits are payable to both the Primary Insured (1)
and the Joint Insured (2). As you are named as the Joint Insured (2) you are not
eliqible to receive Disability benetits. Theretore, there will be no benetits
payable in connection with this claim.
We reserve all rights and defenses of the policy and law, includinq but not limited
to all ot the rights and defenses mentioned above. Neither this communication nor
our willinqness to review any turther intormation which you may provide, nor our
turth~r communication with you concerninq this cLaim is intended as waiver or
abandonment or any riqht or detense, and should not be construed as such.
Sincerely,
Ken Deininqer
- lJf'E INSURANCE COMPoUn' I AMERICAN INT1!RN/illOMAL lJf'E ASSURANCl! COMPoUn' 0' NEW YORK
AMERICAN HOME ASSURANCE COMIWO' I NATlOMAL UNION FIRE INSURANCE COMIWO' 0' PrnlllIURGH. ""
Exhibit H
~
(",
American International Companies
Accident and Health Claims Division
One Cleveland Center, Suite 2950
1375 East Ninth Street
Cleveland, Ohio 44114
(216) 479,8850
1,800,551,0824
April 14, 1992
Linden Ginter
330 pine Grove Rd.
Gardners, PA 17324
RE: Pol. #08313
Cert. #0012858
De3.r !~!:. Gint.9r~
We are writing to you with reqards to your claim tor accident and sickness benetits
under the above captioned Policy number.
In a letter sent to you on April 10, 1992 it was indicated that you could not tile a
disability claim as you were Insured #2 on the certif'icate. only Insured #1 is
eJiqible tor disability Coverage; Insured #2 is the Joint Insured tor Lite Coverage,
We have recently received a Truth-In-Lending Disclosure which notes that you
requested and signed tor Disability coverage, and that August Ginter requested and
signed tor Joint Insurance tor the Lite Coverage.
In light ot this we are considering the information on your certiticate #0012858 to
be in error. We will honor Linden Ginter as being Insured #1, and August Ginter as
Insured #2. Be advised that ONLY Linden Ginter has Disability Coverage, and both
Linden Ginter and AUgust Ginter have Life coverage. There is no Disability Coverage
tor August Ginter, and no Disability claims can be tiled on his behalf.
Please retain this letter with your insurance records as it will be required to be
torwarded along with any tuture claims that you may tile.
We reserve all rights and defenses ot the policy and law, including but not limited
to all ot the rights and defenses mentioned above. Neither this communication nor
our willingness to review any turther intormation wnich you may provide, nor our
turther communication with you concerning this claim is intended as waiver or
abandonment or any right or defense, and should not be construed as such.
Sincerely,
.~ F
^:-.. '--"--l
--
Ken Deiningar
cust. Servo Rep.
cc: Carol Renzi - The Honey Store
Karen Stevens
AIG LIFE INSURANCE COMPANY' AMERICAN INTERNATIONAL LIFE ASSURANCE COMPANY OF NEW YORK
AMERICAN HOME ASSURANCE COMPANY I NATIONAL UNION FIRE INSURANCE COMPANY OF PInSSUAGH, PA
21M..,~Q;'
.
~
Exhibit I
~
;!'M4(2J'n)
American Internatlol...i Companies
Accident and Health Claims Division
One Cleveland Center. Suite 2950
1375 East Ninth Straet
Cleveland. Ohio 44114
(216) 479,6650
1.600.551.0624
May 11, 1992
Linden Ginter
330 pine Grove Rd.
Gardners, PA 17324
RE: Pol. #31303
Claim #001191
Dear Ms. Ginter:
We are writinq to you with reqards to your claim for accident and sickness benefits
under the above captioned Policy number.
The lIbcve captiDned Group Policy defines an injury as "bodily injury caused by en
accident occurrinq while this policy is in force as to the Insured Debtor and
resu1t.inq directly and independently of all other causes in loss covered by this
policy."
Your Certificate of Insurence became effective on April 11, 1989. Information
received in connectiDn with your claim bas deta..'"IIIined that the injury for which you
are c',,;m;'lq disability benefits occurred prior to the effective date of this
Policy.
Based on this information and the policy exclusion qiven above, there would appear
to be no benefits payable in connection with this claim.
We reserve all riqhts and defenses of the policy and law, includinq but not limited
to all of the riqhts and defenses mentiDned lIbcve. Neither this communication nor
our willinqness to review any further information which you may provide, nor our
further communication with you cODcerninq this claim is intended as waiver or
abandonment or any riqht or defense, and should not be construed as such.
sincerely,
Ken Deininqer
Cust. Servo Rep.
cc: Carol Renzi - Money store
AIQ U'I! IHSURAHCI! COMPIUlY I AMEAICAH IN11!ANA11ONAL U'I! ASSUIWlCE COMPIUlY 01' NEW YORK
AMEAICAH HOME ASSURANCE COMPIUlY I NATIONAl. UNION fIRE INSURANCE COMPIUlY 01' PrTTIlIUAOH, I'll
t"'-\
.
Exhibit J
~
< ,,~
2'M412.921
.
American International Companies
Accident and Health Claims Division
One Cleveland Center. Suite 2950
1375 East Ninth Slreet
Cleveland. Ohio 44114
(216) 479.8850
'-800-551-0824
Auqust 16, 1993
Mrs. Linden Ginter
330 pine Grove Road
Gardners, PA 17324
RE: Policy I: 31303
certificato #: 12BSAO
Dear Ms. Ginter:
Wo have received the report from Dr. Howard reqardinq the examination of July 9,
1993.
Dr. Howard indicated his examinatiDn showed only mild limitation of motion in the
neck and back. In addition, your current symptoms from low back pain are not
disablinq to the point where you would be unable to work.
under these circumstances, you are no lonqer Totally Disabled as defined by the
Terms and Conditions of your certificate. Accordinqly, the check issued for the
period of June 1, 1993 throuqh July 8, 1993, payable to the Money store, is the
final benefit payable under your claim.
We reserve all riqhts and defenses of the policy and law, includinq but not limited
to all of the riqhts and defenses mentiDned lIbcve. Neither this communication nor
our willinqness to review any further information which you may provide, nor our
further communication with you concerninq this claim is intended as waiver or
abandonment of any riqht or defense, and should not be construed as such.
Sincerely,
Paul Morrow
Senior Claims Examiner
cc: The Money Store
AJG UF'E INSURANCE COMPANY I AMERICAN INTERNATIONAL LIF'E ASSURANCE COMPANY OF NEW YORK
AMERICAN HOME ASSURANCE COMPANY I NATIONAL UNION FIRE INSURANCE COMPANY OF PmsOURGH. PA
.
~
.
t".
Exhibit K
.
,.
PENNSYLVANIA HOLSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
DELINQUENT MORTGAGE REPAYMENT AGREEMENT
(Continuing)
.
,
Mld.thl. day 01__ _.19__..__._.byandbelween _.___ _._ __. _.____m___. -------
_ . ___AWQuat._ainllk and_Linden R.-Cinter-..--.. - ---..----------
lhfreII\Ilt.. ..I..'ed to a. "Borrow..' ,..Idlng al __3JO..Plna_arove .lloIld.. _ _.. . __ . --. --------------
- '" a6m I Pennsylvania
___172U._.__.(h"lInllt.. ,.I..,ed 10.. "P,.mIHI"I- ClIA'bllrland County
AND
__~.! ~ Store ~'O~~3-QOOU4904__.
bull"",.t P.O. - 1"'-, _.._tn, CA..9S8l6
~-_....
.'I"'l'NL 1lal:1D11 Hutnick
.. . _ __. h.vlng 1 ploc. 01
_ (he,.,nalt.. ,.I..red to a. "MarlgagILend..,.
AND
lh. PENNSYLVANIA UDUSING FINANCE AGENCY, (heroin "PUFA"I, n public corpo,allon and gov.rnment In.l,umonlallly. c,..led by.nd ..I.llng
purluant to the' tOUl1f'O finance Agency Law (35 P .5. Section 1680 10' elseq.. 81 Rmended. hereinafter ret,rred 10 8S the "AcI1 hiving III principal oUc.
!."talO.I .t~IhF""!tS~~.Of~..~~.otq~, .
THIS AGAEEM~NT Ii 'made be,~e;;n't~bo;,owe', the Mortgage lendn" and the Pen~svlvanja .'ousing Finance Agency In conneclkH1 with loan
di.bu'Hmenl.lurnl.hed on beh." ollh. Bor,ow., und.,'he Uomoowner'. EmOlg.ncy Marlgoge As.i.l.nc. P'ogram. a. e.llbUshed by Act 91 011983.
In coolideraUon ollhe mutual promlH' contained in Ihis Agreemenl. the parties inlend to be legally bound. and agfee es follows:
I. PHF"AGREES:
A. PHFA agr... that It will make a p.yment 10 _'ZI1LBclneY_Store .__ . IS Marlgage 1.8nder, In tha
.mount of $ , ,~1 J 1 . (Thl. payment .halllnclud. a conl,lOOllon 01 $_-0-.. ___Irom _..) this payment
,epreoenl. 1 utl"lctlon 01 ell dellnquenl mortg.g. poymenl.. lalo cha'g.s, InlOlesl. I...... coSIo .nd lee. owed by Ih. Borrow.. to Ih. lendlf through
4/30/901 ___'" PHFA eg,ee.IholIt will make paymenl to ..._1..... ""","I'y 'IY'R
lor Detlnquent Reel Eol.t. T....1n Iheemounl 01 $ __3.201.76 n__ __. ._______,
B. PHFA ag'... to loan 10 Borrower a sum In Ihe amounl 01 s_ 300.00 . . _._ to pay ..per.... Incident 10 Ihe preparellon.
evaluation and recOf'ding 01 the loan documents for this transacllon.
C. PHFA eg'... to pay the .um 01 $ 27~ .11 pe' monlh 10 the Mortgag. lend.r on behelf ollh. ~orrow., lor
addlllonel mortgag.1oan dlsbullementl which would ,,,ullln paymenls lor a perlod nolln ..c... 01 Ihlrty-.,. months lrom 12123 93 .
The total payment to rhe MMgage Lender wal be'_ ___--2'19..11.__. Borrowe, wat cOnfrlburee mOnrhIY paymenr 01$ . O. on In
aCCrmMnc. wilh Secfion /If or thl. ag'eement. Th. obllgallons 01 PHFA 10 pay Ihl. sum I. conllngent upon Ih. lollowlng.
" If Ih. financial cl,cum.lences 01 Iha Borrower change.lhen such nmounl may be chnnged a. aUlho,I,ed by Act 9t of 1983.
2. If the Borrower breaches anyol the (ermsol this Agreement, Of 01 ils Mortgage or Nole Agleement With PHr A, or vlolalesany 01 the requlfements
01 Ac191. of PHFA Guldelln.. 0' Ragulallon.. then loan dlsbu'semenl. may be I.,mlnaled if PHFA deIOlmln..IhalIt lsapprop,lal.o, required
10 do 00.
D. PHFA'I obllgollon. pursuant 10 Ihl. Agreement a'. lurth.r contlngenl upon funding being evoll.bl. ror the Homeown.... Em..gOf1Cy Marlg.g.
Assistance Pfogram.lf lunding Is nolavailabte for this program, then PHr^ will have no fur1her obligation 10 disburse funds on behalf of the Borrower.
11.__ __ . _ ._ _n'!'he Money. Store.. , AS MORTGAGE lENDER. AGREES AS FOLLOWS:
A. Upon payment of a sum 01 money by PHFAon beh.1f 01 Ih. Borrow.. pulSu.nl to Ihl. Ag,eement .ullielent 10 ulisly all delinquent 1n1....I. prlncipat.
lale charg.., la.e., co.l. and fee. owed 10 It by lha Borrow.. a. .et forth above.lhe Mortgag.Lend.. will ,eIn.tet. the _.... account toc:urront 'Iotus,
B. Upon 1he paymen1 of such sums. all pending Jegal acllon arising out of Ihe delinquency of the Borrower will be discontinued.
C. The Mortgage Lend..wlllaccepl monlhly mortgage payments on behalf 01 Ihe Borrower by PUFA for a period of up 10 Ihlrty-Il.(381 monlh.. These
paymenl. may be mad. by PHFA a. long a. Borrower meel. Ihe requl,emenl. 01 Act 91 of 1983, and conform. to Ihe conlraclual and procedural
,equlremenl. of PHFA.
D. The Mortgage Lender agrees to reimburse Ihe Borrowers' PHFA loan accounl for any duplicate payments made. The accounlls not 10 be paid ahead.
E. The Mortgoge Lender egr... to pay PUFA any dlsablllly 0' credill,le Insu,ance proceeds received on behalf of I borrow.. pertaining 10 mortgage
payment perkxls encompassed by the Mortgage assistance payments.
F. The Mortgage Lender further agrees that It will maintain any existing escrow accounl for the payment 01 taxes and homeowner's insurance owed
on Ihe Preml.... and thlt paymenl 01 lho.e sum. will be made p,omplly when due. PHFAI.lo be named as an addition.' mortg.geeon.1I such homeown....
In.u'enc. pollcl.s,
G. II lha homeo_'.lnourenceon the Premises has been allowed 10 lapse. Mortgage Lender ag,... Ihalll will be 'eln.lated not lal.. than lhe ellecUve
date 01 Ihl. Agreemenl.
III. BORROWER AGREES AS FOLLOWS:
A. Borrower ag,e..l. 0 make m\l.nl!l!.'\'"P paalymenlslo PIlF A 10 he npplied towa,d Ihe mortgage obligallon 10 Ihe Mortgage Lender. Th..e paymenl. .hall
be In an amount of S. _ _ ____~~~innlng . _ _ _ n/a. until determined otherwlso
by PHFA pulSuant 10 the requl,emenl. 01 Acl91 01 1983.
B. IIlh. Borrow., lall.,o pay 10 Ih. PHFA Iny amounl. due directly unde, Ihl. oectlon within lllIeen (15) d.ya 01 the due dal.. PHFA shall review the
Bonowers' financial circumstances t~ delermine whelher the delinquency Is the resutt of 8 change in the Borrowers' flnanclBl circumstances. " the
delinquency Is not the result of a change In Ihe Borrowers' financial circumstances, PttFA shalllerminate the Emergency Mortgage Loan Disbursements
and any mortgagee may at any time Ihereafter take any legal action 10 enfofce lis mortgage without Rny further restriction, If Ihe delinquency Is the result
of 8 change In the Borrowers' 'inancial circumstances. PttFA shall modify Ihe Borrowers' requiled payments to PHFA 8S PHFA shall determine.
C. Bo"ower aglees to lurni'Sh Pllr^ wilh linnnClQlslAtcnlellts nnd 1Itf!01 wIlh p.lrA consullnnt! whnn 'equested by pur^- fUfther, Borrower shnll
Immediately provide nollc.,o PHFA 01 Iny chang. In ,.oldence. employmenl, Incom. 0' othe, I,nanclalolelu..
D. Borrow., will keep Ih. Premls..lnsured agoln.t Ilr. and olh.. hazo,d., and eg.In.,lIabllity on .cc~iit ;;tt~iu.vio Pi<sons ana property. encI furnish
annually 10 Mortgag.L.nder and PUFA proollhOleof. All such pollcle. shall be In amounl.. from and wllh companies .aUsfactory 10 PUFA. shan name PHFA
as additional mortgagee and loss payee and shall pfovlde 'or not less thnn thirty (30) days notice to PtlFA Pfior to termlnallon or cancellation thefeof.
E. Borrower will comply with all requirements 01 his/he, Mortgage Rnd Nole Aoreemen1 with PI IF A. as well as with procedufal requl,ements Imposed
by PHF A under Acl 91 011983.
r. Borrower agrees 10 Ihe Immediate reimbursem~' 01 lunds 10 pttr ^ horn Rny disnblllty 01 Cledlt insurance pt'oceeds received by Of on behall 01 the
borrower pertaining to mo'tgage paymenl pe,lods enc:ompnssf!d by 1ho fI1or1nl1nO nssislnnce Jlaymen1s.
G. Borrower agrees to repay all sums lOAned on 'lIs/hof behalf by PltrA. as wen as all future ndvances made pulSuanllo this Agreement or lis
accompanying MOltgage and Note. Borrower agrees to begin '~PR"'lnf) illl Stl"'S loomed upon being notified by PttFA thai Borrower IS obligated to begin
repayment. Borrowefs' obligation to repay ~BII be 5ubJ~1 to thl" Itl"'Wlllg terms nnd C'indlhons which a'e required by Act 91 of 1983,
(1) If the Borrowers' "housing expense" (asdellf1f'(nlr, I,..~" 111.1n thir1y. 'Ive 135)pe,cont of his or her "net effective Income". (os defined), Ihe BOffower
shall pay Ihe PHFA the dlflefence between 1Illlt ( fl"" n'i) percent of the Oo"owms' ~nel efleclive income" and the Borrowe,s' "housing
expense", The amount due undor thiS paraglaph may b4t mduced I' It IS dAtfnmillfm by PHrA. nUm exnminlng the Borrowors' financial
circumstAnCe! and nbillly to conlubutA 10 '''Po'Vm",,1 01 thl' lUOfIQilq... n!i!tl!ttanr:... 10al1. 10 bA RJlpropriale to do so.
"UIA" OIM'
.
.
.
" . . . ". , ,- ... .l
. *. ~."'" "
!i') It Ihe BOfrower." .'ng expen.e'ls mor.lh.n Ihirty."'" (3G) pffcenl of hi. Of her "nel eIJacllve Income'. rep.ymenl of Ihe mortg.ge .,,'.).nce
.h.1I be d.ferred u til the Borrow.... .hou,'ng .xpen.." illeaa then thlrty.f1v. (35) PjWCenl o. hi. or her "nol eltactlv.'nconllt." . . .
,
. (31 It repaymenl of mo<108ga .,,'.I.nc..I. nol m.d. by Ihed.l. any mo<1g.g.'. p.ld, Ihe Borrower .hall m.ke mortg.ge ..si.l.nce lo.n rep.ymenl.
In .n .mounl nolle.. Ih.n Ih;, molfg.ge p.ymenl unllllhe morlgaga ...,.I.nce lo.n I. rep.ld.
(4) Inl.'I.t on Ihese obltgations Will Rccrue al the rate of 9'K per vear. unless o~herwise proyKJed undef lhelerm ~' Acl91 of ~3. Inle,est shall
only accrue du'lnQ 11m. period. when Ih. Borrowel h.. an oblig.11on 10 rep~tlt1:" lo.ned by PHF A. .. provlll; In section (1~ 'hi. p.r.gr.ph.
I f ~~'l, .
(5) As used In this paragraph, .'h'lerm~ "ho.using 'll~n... and ~~~~~:'?Jtjv~ tnt?~..~ are defined 8S oll--(iS:
I. "Houlk\g e.pen....'. the.um of Ihe mortgagor', ~ihlV mortgage paYrn&r1t~ including escroWI. utility cosl., hazard insurance expens's,
rl.1 property tax.. and In lhe C"I 01 cooper_ltv.. and condominiums. rTlOfl'MY maintenance Illpenses.
b."N.1 Effactiv.Incom."I' Ih. gro.. hou..hold IncoIne lea. clly. .1.le And fed.r."ncome .nd .ocl.'.acurlly I.xea.
All paymerll~ will be opp/llCllirat'1o Inler..,lhen due.nd lhe bal.nce 10 prlncip.l.
.
IV. MISCELLANEOUS
.. ,"..
, .'
I '(,' ,'.~,
I ",
A The Borrower rOpt""'I..nd warr.nl. lhal: ." .;.
1. nus .nd Occup.ncy: Borrower h.. good .nd m.rkeloble 111I.'o.n ..,.Ie In fee .'mple 10 Ih. Preml.e.. Ih. Prem'.,,', nol.ubjacllo .ny lien
or encumbrance exCepllng Iho.. exl.,lng on Ih. d.'e hereof .nd .pproved by PHFA..nd Ihe Borrower occuple. Ihe Preml...... prlnclp.1 pl.ce
0' residence. A requlremenl 01 eligibility 01 Ihllloan illhlllhe properly mU.' be owner occupied. VloIellon will r..ullln the entIt.1oan becoming
:' Imrned18tlfydueandPlyabte.' .:,.. '....f.'.llr 'l"""tr.,'........ .,'...,.....,.,..........."..._.-...:.... 0..
,.'2. Fln.ncl.llnfortnaUon., 1 he 'InBflclol Ilntomont$ at the Borrower tJeliverftd 10 rt fr ^ ill connection wilh the PI fr ^ lOlln co"eclly represen' Ihe
currenl IInanclil condillon 0' th. Borrow~r end .'^ci Ihe d.le ci' .Uch IIfIIncIIll "'.'f118nl.,'fIer!'C'''I'>"!>.no m.I,"" Chan~.1n Ih. 'm.nclol
condlllon o. th. Borrower. 4 ' , I
B. No coura. of dealing between Mortgage lender Of PHFA. Jointly or Individually. with the Borrower, nor any forbearance. delay or omission on either
Mortg.ge lender'l Of PHFA'I part In exercl,'ng .ny rlghl. under Ih. PI1FA No'.. PHFA MOIlg.ge. or exi,';ng Morlg.g. Of Nole shell oper.I.... w.'ver
0' any righl. Of remedl.. by Mortgage lender Of PI1F A. A w.iver on one Of more occ."on. .h.1I nol be consl,ued IS . w.lver 01 eny rlghl. on any olher
occa.lon.
C. Nollc... Any nollce. required to be given por.u.nt 10 Ihl. Agreemenl m.y b4 given by ""her '"sl cl... Of ragl.lered or certllled m.iI. NOllce. .h.1I
be aanllo the .ddr.....lndlceled ., the baglnnlnQ of Ihl. Agreemenl. unl... "'her perty no'll,..'h. olher In Willing o. . change In .ddre...
D. DoI.ult. PHFA moy termln~le o,..','.nce under Ihi. Agr8tlmenlln the evenl 9f eny of Ihe fOllowing Incldenl. of d.'.ull by Ih. Borr,ow~r.
1. Bre.ch 01 any loW,; 01 Ihl. Agreement. ;' . ' .,: . '. . . :..
2. Breech o. any term 0' lhe Mortg.ge Of Nole belw8tln I~8orr~~~ and PHFA. . . ..'
3. Breach of any term of the Mortgage or Note between the Borrower and lhe Mortgage Lender, It ,. ':", ," ; '.,1' I 'h".:" t'. '.' . ", .' to "
4. Vlolellon of any requlremenl~' Act 91 of 1983. or of .ny procedurel requlr.ment. G~II~e or Rogulatl~ ImpOjea bY PHFA porsu.nllo Ih.1 Act.
5. If the BOf,ower no longer m.'nl.'ns Ihe premls.. e. hi. or her.llri!!E!!>o! pl.ce 0' re.ldence.
6. Sele Of olher Ir.nsfer of ownership Inl.r.'lln Ihe mortg.ged p,operty:---...
E. RO_I.ln Ihe evant 0' def.ull by Borrower.lhe remedle. provided In IhlS Agreemenl sh.1I be In .ddlllon to .ny remedi.. provided In Ihe olher
loan document..
F. Ac' gl 011183. Relerence In this Ag,eemenl 10 Acl 91 of 1983 .ncomp..... any .mendmenl. m.de 10 Ih.t Acl by lhe Gener.1 As.embly end
.pproved by Ihe Governor.
G, SUCCIIIO,. Ind AlIlgn.. This Agreement shall be binding upon and inure to the benefit 01 the parties hereto Bnd their successprs. assigns and
h;",.dndeX'&e:otontandaOrrilnlstralors,1'arfy..1 t z,..'., ',1.1 f,',!...1 .,...., ......1 .'1 ~t .~
H. Nothln" he'.ln copl.lned sh.II.lle, 0' be con.trued to oil., the cov.nenll. lennl .nd c.ondlUo.nl o. ,he mortg.". not. ...out.d batwo.n
Mortg."o L.ndor .nd 8prrowor unl... hereello, It.l.d: '. . .. .. . .
,
~ wmiess WHEREOF. Ihe pertl.. h.ve cau.ed Ihi. Agreem.nllo ~ duly execuled .nd d.llvered .s Iii Ihe day .ridv~.; ;I"i 8bO~. ;';;ii.n.
WITNESS;
(BORROWER) ~,.
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ATTEST:
IMORTGA~ElENDERJ '~l- 'L-.
By Yl')r1:.!.f(J1-L-. _ .__{[.~'!:!.~__ ..(SEAl)
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WITNESS:
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PENNSYLVANIA HOUSING FINANCE AGENCY
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IDENlIFICATION VERIFICAlION " )
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American International Companies
Accident and Heelth Claims Division
One Cleveland Center, Suite 2950
1375 East Ninth Street
Cleveland, Ohio 44114
(216100179'8850
1.dOQ-551.082oo1
May 11, 1992
Linden Ginter
330 pine Grove Rd.
Gardners, PA 17324
RE: Pol. #31303
Claim 1001191
Dear Ms. Ginter:
We are writinq to you with regards to your claim for accident and sickness benefits
under the above captioned policy number.
The above captioned Group Policy defines an injury as "bodily injury caused by an
accident occurrinq while this policy is in force as to the Insured Debtor and
resultinq directly and Independently of aU other causes in loss covered by this
policy."
Your Certificate of Insurance became effective on April 11, 1989. Information
~..)C8ived in connection with your claim has determined that the injury for which you
ar.. claiminq disability bendits occur:::ed i':~ior to the sffective date of this
Policy.
Based on this information and the polic1' exclusion qiven above, there would appear
to be no benefits payable in connection with this claim.
We reserve all riqhts and defenses of the policy and law, includinq but not limited
to all of the riqhts and defenses mentioned above. Neither this communication nor
our willinqness to review any further information which you may provide, nor our
further communication with you conr.erninq this claim is intended as waiver or
~UandOllment or. any )"iqht 01.' deI:an..e, and llhould not be construed as such.
sincerely,
Ken Deininqer
cust. Servo Rep.
cc: Carol Renzi - Money store
2'y.a I,vnl
AJQ LlF'E INSURANCE COMPANY I AMERICAN INTeRNATIONAL un ASSURANCE COMPANY OF NEW YORK
AMERICAN HOME ASSURANCE COMPANY: NATIONAL UNION FIRE INSURANCE COMPANY OF PmsOURGH. PA
EXHIBIT L
AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
94.4629 CIVIL TERM
v.
AMERICAN INTERNATIONAL CIVIL ACTION. LAW
LIFE ASSURANCE COMPANY OF
NEW YORK,
Defendants
EEK LEAVE
Before HOFFER, J. and BA VLEV. J.
ORDER OF COURT
AND NDW'~ z.1 ,1996, aftor careful consldoration of tho
parties' briefs, Plaintiffs' Petition to Amend the Complaint is denIed.
By the Court,
J.
David A. Baric, Esquire
17 West South Street
.. Carlisle, PA 17013
~ For the Plaintiffs
t-%~ G. Daniel Carney, Esquire
A"I \....?\~ Gregory H. Teufel, Esquire
'b\)Y' One Riverfront Center
Thorp, Reed & Armstrong
Pittsburgh, PA 15222
For the Defendant
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AUGUST GINTER and
LINDEN R. GINTER,
husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
94-4629 CIVIL TERM
v.
.
.
AMERICAN INTERNATIONAL : CIVIL ACTION. LAW
LIFE ASSURANCE COMPANY OF
NEW YORK,
Defendants
Before HOFFER. J. and BA YLEY. J.
QflNIQN
HOFFER, J.:
In this opinion we address Plaintiffs' Petition to Seek Leave to Amend
Complaint. In April 1989, Plaintiffs, August and Linden Ginter, entered Into a
mortgage transaction with The Money Store. From the loan proceeds, Plaintiffs
purchased credit life and disability insurance from Defendant, American
International Life Assurance Company of New York. AI Life.. Plaintiffs received a
Certificate Evidencing Group Credit Life and Disability Insurance Coverage which
established the effective date of the policies of insurance as being April 11, 1989.
The Certificate contained a definition of injury, ~ Plaintiffs' Exhibit D. Plaintiffs
claim never to have received any other documents from the defendant defining or
describing the policies of Insurance. Any payments arising through the polley of
insurance were to be paid to The Money Store for the mortgage account.
94.4629 CIVIL TERM
In or about July 1985, Linden Ginter became employed as a dietary aide at
the Cumberland County Nursing Home. She had several work place accidents
from 1985 through 1988, Including an Incident on May 20, 1987, when trays from
a cart fell on her, and another on November 3, 1988, when she injured herself in
a fall after bending over to pick up a fork.
Beginning In January 1989, Linden Ginter received several physical therapy
sessions to address her InJuries. She continued to work at the nursing home while
seeking further medical treatment. In September 1991, Mrs. Ginter was diagnosed
as having a ruptured disc in her back. Dr. Beutler, Mrs. Ginter's surgeon,
released her to work on December 17, 1992, with lifting restrictions. On February
17, 1992, Mrs. Ginter underwent an anterior cervical fusion to address the ruptured
disc and was discharged from the hospital on February 23, 1992.
As a result of the restrictions placed upon Mrs. Ginter, the Cumberland
County Nursing Home found that she was unable to perform her duties and
terminated her employment on December 17, 1992. Mrs. Ginter submitted a
Creditor Disability Clalmant's Proof of Accident of Illness form to AI Life on March
10, 1992. AI Life denied benefits due to the order of signatures on the Certificate.
AI Life reversed their decision on April 14, 1992 and communicated their changed
position to Mrs. Ginter. AI Life, in accordance with their policy, began making
2
3
94.4629 CIVIL TERM
"
payments to The Money Store for the months of February, March, and April, 1992.
On May 11, 1992, AI Life declined coverage quoting from the Group Policy
definition of Injury; a definition that differed from the definition in the Certificate
issued to the plaintiffs. Plaintiffs allege never to have received a copy of the Group
Policy or a definition of "Injury" as relied upon by AI Life. AI Life determined that
based upon their definition of Injury and the policy effective date, Mrs. Ginter's
injury predated the effective date and was, therefore, not a covered Injury.
Notwithstanding their denial, AI Life made payments to The Money Store for
the period of May 4, 1993 through May 31, 1993, In the amount of $260.40. On
August 16, 1993 AI life notified the Plaintiffs that Mrs. Ginter was no longer totally
disabled as defined by the Certificate of Insurance; thus, AI Life would not pay any
further disability benefits under the policy.
Plaintiffs filed their Complaint on or about August 12, 1994, asserting two
counts: one for breach of contract and one for misrepresentation of the scope of
coverage afforded Linden Ginter by the policy, The plaintiffs filed their Petition to
Seek Leave to Amend Complaint on or about February 8, 1996. Prior to the filing
of this Petition, AI Life served interrogatories on the plaintiffs, the plaintiffs had
served Interrogatories and requests for production to AI Life, and the plaintiffs took
the deposition of Dr. Rodney K. Hough, the primary treating physician for Linden
94.4629 CIVIL TERM
Ginter.
Plaintiffs request leave to amend their complaint to Include a count for bad
faith, In addition to a count requesting declaratory judgment to enjoin the defendant
from continuing to breach its contract. Plaintiffs allege that amending the complaint
will not prejudice the defendant, and that the statute of limitations on the bad faith
claim has been tolied due to the defendant's continuous breach of the contract.
We disagree.
DISCUSSION
Plaintiffs will not be permitted to amend their complaint to include a bad faith
claim because a bad faith claim would be a new cause of action that is barred by
the statute of limitations. A claim pursuant to 42 Pa. C.S.A. ~ 8371 for bad faith
practices on the part of Insurers is separate and Independent from the claim on the
Insurance contract. Younls Bros. & Co, v, Cigna Worl~~~ Ins, Co., 899 F. Supp.
1385,1396 (E.D. Pa. 1995); March v. Paradise Mut.lns, Co., 435 Pa. Super. 597,
646 A.2d 1254, 1256 (1994) app, denied, 656 A.2d 118 (Pa. 1995). As an action
upon a statute for a civil penalty, a bad faith claim must be commenced within two
years, pursuant to 42 Pa. C.S.A. ~ 5524 (5). We find that the statute of limitations
for a bad faith in this case began to run on August 16, 1993, the date on which AI
4
94.4629 CIVIL TERM
Ufe informed the plaintiffs that it would make no further disability payments.
Plaintiffs filed their Petition to Seek Leave to Amend their Complaint on or about
February 7, 1996. Thus, the plaintiffs did not file the Petition to amend the
Complaint to include the bad faith claim within the requisite two years.
Because we refuse amendment on this basis, we need not address the
plaintiffs' additional arguments In support of the Petition to Amend the Complaint.
Furthermore, we find a declaratory judgment to be inappropriate at this time.
5
PRAECIPE FOR LISTING CASE FOR TRIAL
(folJst be typewritten and sutmitted in duplicate)
'ro 'nlE PR7nDOl'ARY OF Cl.MlERLAN) COtJm'Y
P18lllle list the following casel
(Check one)
(x
for JURY trial at the next term of civU court.
for trial without a jury.
-----------------------------------------
CAPTIOO OF CASE
(entire caption nust be stated in full)
(check one)
( x) CivU Action - Law
AUGUST GINTER and
LINDEN R. GINTER, his wife,
Appeal fran Arbitratioo
(other)
( Plaintiff)
va.
AMERICAN INTERNATIONAL LIFE
INSURANCE COMPANY OF
NEW YORK
The trial list will be called on
and February 18, 1997
(Defendant)
Trials coomence on March 17, 1997
Pretrials will be held on February 26, 19 7
(Briefs are due 5 days before pretrials.)
(The party listing this case for trial shall
provide forthwith a copy of the praecipe to
all counsel, pursuant to local Rule 214.1.)
va.
No. 4629
CivU Term
19 94
Indicate the attorney who will try case for the party who fUes this praecipe:
David A. Baric, Esq. 17 West South Street. C~rl;ql~. pa 17nl~
Indicate trial oounsel for other parties if known: G. Daniel Carney. Esauire
Thorp, Reed & Armstrong, One Riverfront Center, Pittsburgh, PA 15222-4895
'Ihis case is ready for trial.
Signed: ~~~ri:.
Print Nane: David A. Baric, Esquire
Date: ~Z3/~7
.
Attorney for:
Plaintiffs
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AUGUST GINTER and
LINDEN GINTER, husband
and wife.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY. PENNSYLVANIA
Plaintiffs
v.
94-4629 CIVIL TERM
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY
OF NEW YORK.
Defendants
CIVIL ACTION-LAW
PRAECIPE TO DISCONTINUE
TO THE PROTHONOTARY:
Kindly mark the above-captioned action as having been settled and discontinued with
prejudice.
Respectfully submitted.
O'BRIEN, BARIC & SCHERER
~?/f,
Date: 5/13/17
- ~
David A. Baric. Esquire
1.0. # 44853
17 West South Street
Carlisle. PA 17013
(717) 249-6873
Attorney for Plaintiffs
.
AUGUST GINTER and LINDEN R.
GINTER, husband and wife.
PlaintilTs.
V.
AMERICAN INTERNATIONAL
LIFE ASSURANCE COMPANY OF
NEW YORK.
Defendant.
(,
"'.'-N\"'f!.i:
..,.,,..
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY. PENNSYLVANIA
: NO. 94-4629 CIVIL TERM
: CIVIL ACTION-LAW
CERTIFICATE OF SERVICE
I hereby certifY that on March 13, 1997. 1. David A. Baric. Esquire. of O'Brien. Baric &
Scherer, did seNe a copy of the Praecipe To Discontinue. by first class U.S. mail. postage prepaid,
to the party listed below, as follows:
Gregory H. Teufel, Esquire
Thorp. Reed & Armstrong
One Riverfront Center
Pittsburgh. Pennsylvania 15222-4895
~<?J~{(.
David A. Baric. Esquire
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