In November 1970, defendant Life Insurance Company of North America (hereinafter LINA) and defendant American Dental Association (hereinafter ADA) entered into a written contract, entitled "ADA-3", under which LINA agreed to provide accident and sickness disability insurance benefits to ADA members who elected to enroll. ADA-3 provided basic, short-term disability benefits and two alternative long-term extended benefits options. Plaintiff,...
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