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PANEPINTO v. NY LIFE INS. CO.

90 N.Y.2d 717 (1997)

688 N.E.2d 241

665 N.Y.S.2d 385

Maria Panepinto, Appellant, v. New York Life Insurance Company, Respondent.

Court of Appeals of the State of New York.

Decided November 25, 1997.

Attorney(s) appearing for the Case

Duignan & Cella, New York City (Richard M. Duignan of counsel), for appellant.

Hunton & Williams, New York City (Franklin H. Stone and Vincent J. Wiscovitch of counsel), and Robert M. Rosh for respondent.

Chief Judge KAYE and Judges TITONE, BELLACOSA, SMITH, CIPARICK and WESLEY concur.

LEVINE, J.

This action involves a dispute over the meaning of language found in two insurance policies that ultimately will determine whether plaintiff's action on the policies is time-barred. Each policy provides for the payment by defendant New York Life Insurance Company of $1,000 per month in the event of the "total disability" of plaintiff. "Total disability" is initially defined as "the complete inability...

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