MOSK, J.
This case concerns a claim for disability benefits under the "Home Protection Plan of Life and Disability Coverage for Cal-Vet Purchasers" (hereafter the Cal-Vet home protection plan) established by respondent Department of Veterans Affairs of the State of California (hereafter the Department) under the Veterans' Farm and Home Purchase Act of 1974 (Mil. & Vet.Code, § 987.50 et seq., hereafter sometimes the Act), commonly called the Cal-Vet program...
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