SCHUMAN, P.J.
Plaintiff is insured under a disability policy issued by defendant. The policy provides lifetime benefits for disability resulting from an accidental injury, but benefits end at age 65 for disability resulting from disease or sickness. Plaintiff's disability is cognitive impairment caused by the cumulative effect of hypoxia—lack of oxygen to the brain—that occurred during incidents of undiagnosed sleep apnea. When plaintiff turned 65, defendant...
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