EPSTEIN, J.
Patricia Callahan purchased a disability insurance policy from Mutual Life Insurance Company of New York (MONY). Subsequently, she became disabled due to multiple sclerosis and filed for benefits. MONY initially paid benefits, but stopped when it discovered her condition may have first manifested itself prior to the effective date of the policy. Ms. Callahan filed suit, and the trial court granted MONY's motion for summary judgment. The first question...
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