HOWARD, Judge.
This is a case involving a suit by Dr. Owen B. Murphy against two insurance companies, and arising out of a group policy which insured the Fellows of the American College of Surgeons of which Dr. Murphy was a member. This action was to recover benefits as a result of Dr. Murphy's illness and disability.
The Lumbermens Mutual Casualty Company policy covered Dr. Murphy from November 15, 1970, until it was terminated on or about April 1, 1974....
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