COFFEY, Circuit Judge.
In 1980, the plaintiff-appellant, Louis P. River ("River"), a surgeon licensed and practicing in the state of Illinois, was diagnosed with a manic depressive psychiatric problem. River continued to carry out his duties as a surgeon until 1985, when he was forced to terminate his surgical practice due to his psychiatric problem. In 1986, River's insurer, Commercial Life Insurance Company ("Commercial"), the defendant-appellee, began providing...
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