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PATCH v. METROPOLITAN LIFE INS. CO., INC.

No. 83-1417.

733 F.2d 302 (1984)

Robert PATCH, Jennifer Patch, minors, by their next friend and mother Terry Patch, Appellant, v. The METROPOLITAN LIFE INSURANCE COMPANY, INC., Appellee.

United States Court of Appeals, Fourth Circuit.

Decided March 27, 1984.

Attorney(s) appearing for the Case

E. Robert Giammittorio, Alexandria, Va. (Delaney & Giammittorio, Alexandria, Va., on brief), for appellant.

Alvin Pasternak, New York City (William J. Toppeta, New York City, on brief), for appellee.

Before RUSSELL and HALL, Circuit Judges, and ROSENN, Senior Circuit Judge for the United States Court of Appeals for the Third Circuit, Sitting by Designation.

PER CURIAM:

The sole issue presented by this case is whether unintentional death from a self-administered overdose of heroin constitutes loss of life by "accidental means" under an insurance policy. The decedent, Paul W. Phillips, was covered at the time of his death by the Federal Employees' Group Insurance Program, administered by defendant Metropolitan Life Insurance Co. The policy in question provides for an additional $18,000 indemnity beyond the basic coverage...

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