NORRIS, Circuit Judge:
Appellant Pamela Wernick has been totally disabled since she was injured in a horseback riding accident on August 2, 1981. At the time of the accident she was covered by a group medical policy issued to her employer, Shadur Levine & Associates (Shadur Levine), by Transamerica Occidental Life Insurance Company (Occidental). On September 1, 1981, the Occidental policy was discontinued. It was replaced by a group policy issued to Shadur Levine...
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