What is the test for an employee to claim a disability insurance policy where they are not able to work?
California, United States of America
The following excerpt is from Callahan v. Mutual Life Ins. Co. of New York, 71 Cal.App.4th 1089, 84 Cal.Rptr.2d 342 (Cal. App. 1999):
Citing Bower v. Roy-Al Corp. (1973) 33 Cal.App.3d 1027, 109 Cal.Rptr. 612, appellant argues that a sickness is "not manifest until the disease or physical condition has demonstrated distinct symptoms and progressed to a point sufficient to prevent the insured from being able to work." She points out that she continued to work for four years after the policy was issued.
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