Source: https://supreme.justia.com/cases/federal/us/290/551/
Timestamp: 2019-04-23 09:57:24+00:00

Document:
1. In determining whether there was any evidence to sustain a verdict for the plaintiff, all facts that the evidence supporting his claim reasonably tends to prove should be assumed as established, and all inferences fairly deducible from them should be drawn in his favor. P. 290 U. S. 553.
2. To a claim under a war risk contract insuring unqualifiedly against "total permanent disability," the occasion, source or cause of the petitioner's illness is immaterial. P. 290 U. S. 558.
3. Injuries, exposure and illness suffered by the claimant before the lapse of his policy, and his condition in subsequent years, have significance, if any, only to the extent that they tend to show whether he was in fact totally and permanently disabled during the life of the policy. P. 290 U. S. 558.
4. The phrase "total permanent disability" in the War Risk Insurance Act should be construed reasonably and with regard to the circumstances of each case. P. 290 U. S. 558.
5. It cannot be said that injury or disease sufficient merely to prevent one from again doing some work of the kind he had been accustomed to perform constitutes the disability meant by the Act, for such impairment may not lessen or affect his ability to follow other useful, and perchance more lucrative, occupations. P. 290 U. S. 559.
6. Separate and distinct periods of temporary total disability, though likely to recur at intervals throughout life, do not constitute total permanent disability. Permanent disability means that which is continuing, as opposed to that which is temporary. P. 290 U. S. 559.
7. The mere fact that one has done some work after the lapse of his policy does not, in itself, suffice to defeat his claim of total permanent disability, but the work performed may be such as conclusively to negative total permanent disability at the earlier time. Pp. 290 U. S. 560-561.
8. Evidence of the claimant's condition after lapse of his policy may be considered only for the purpose of determining his condition while the contract was in force. P. 290 U. S. 560.
9. The claimant's conduct after the alleged accrual of his claim in this case shows that he did not believe he was totally and permanently disabled when he let his policy lapse, and his unexplained delay in bringing suit is strong evidence that he was not thus disabled at that time. P. 290 U. S. 560.
Certiorari to review a judgment reversing a recovery by verdict in an action on a war risk insurance policy.
Petitioner was a private in the army of the United States from July 14, 1917, to April 29, 1919. In September, 1917, he obtained war risk insurance against death or total permanent disability. May 31, 1919, the policy lapsed for nonpayment of premiums. November 30, 1931, he brought this suit in the federal District Court for Vermont, alleging that, before May 31, 1919, the policy was matured by his total permanent disability. Issue having been joined, there was trial by jury. At the close of all the evidence, respondent requested the court to direct a verdict in its favor. The court denied the motion, and, the jury having found for petitioner, entered judgment in his favor. The Circuit Court of Appeals reversed. 63 F.2d 796.
the evidence not sufficient to show total permanent disability of petitioner while the insurance was in force. The question presented is whether there was any evidence upon which a verdict for petitioner might properly be found. And, for its decision, we assume as established all the facts that the evidence supporting petitioner's claims reasonably tends to prove, and that there should be drawn in his favor all the inferences fairly deducible from such facts. Gunning v. Cooley, 281 U. S. 90, 281 U. S. 94.
Before joining the army, petitioner was a laborer and worked cutting logs, building roads, and as a farm and factory hand. When enrolled, he was a healthy and strong man of 25 years. He served overseas in a machine gun company. One of his ankles was injured June 16, 1918, and two days later he was taken for treatment to a base hospital, where he remained about a month. It was there recorded that, while going into a dugout, he had slipped and severely sprained his ankle, that there was no fracture, and that his general condition, heart, lungs, and nervous system were satisfactory. When discharged from the hospital, he joined his company and remained with it until mustered out at Camp Devens, Massachusetts, April 29, 1919. The official record shows that, upon a careful examination at that time by an army surgeon, he was found mentally and physically sound; that he declared he had no reason to believe he was impaired in health or was suffering from the effects of any wound, injury, or disease, and that his company commander had no reason to believe he then had any wound, injury, or disease.
kind. It seems that the certificate was intended for use in support of an application to the United States for compensation. [Footnote 1] And, apparently in connection with such an application, petitioner was examined by Dr. Byron Herman of the Public Health Service. Under date of December 10, 1920, Dr. Herman reported that, while in the army, petitioner was never sick, although in the hospital once for a sprained ankle, that he became ill after getting home, and that he then complained of rheumatism, throat trouble, and husky voice. The doctor's diagnosis was chronic rheumatism and chronic laryngitis, his prognosis was "Good." He reported that petitioner was able to resume his former occupation, that the degree of vocational handicap was negligible, and that vocational training was feasible. January 17, 1921, petitioner verified an application for compensation stating that he was suffering from bronchial troubles, rheumatism, and nervousness which commenced about a year earlier and were caused by gas and exposure in France. And, in March, 1922, claiming to be partially disabled by reason of ailments of the lungs and throat, petitioner made application for compensation and training.
quick fatigue under stress. He found petitioner able to work at any occupation involving light labor with reasonable regularity and without danger. He also examined petitioner in 1928, 1929, and 1930. At the first examination, petitioner reported that, in 1926 and 1927, he had suffered attacks of unconsciousness. The doctor found petitioner suffering from severe neurasthenia and severe hysteria. In 1930, he found petitioner had pronounced psychoneurosis, and that his condition suggested he was developing grand mal epilepsy. The doctor's testimony indicates that, from 1924, petitioner's condition became progressively worse.
In 1926, Dr. Herman found petitioner was having grand mal epileptiform seizures. He prescribed medicine and sent petitioner to a government hospital where he remained a month. In August, 1927, Dr. James O'Neill examined him. Petitioner said he had not been sick in the army and had sustained no injury except to his ankle and a slight gassing, but that he had been nervous practically from the time he left the army. Within the previous year, he had suffered infrequent fits and had not then worked for nine weeks. His ailment was diagnosed as severe hysteria, and the doctor was of opinion he could have worked. In March, 1929, Dr. Alan Davidson made a diagnosis of epilepsy. Petitioner then said he had been having uncontrollable nervous attacks which began when he was in the hospital in France.
$94.50 per month in addition to $10.50 allowed for his child.
From July, 1919, until the beginning of March, 1929, it appears that petitioner was employed more or less regularly except for periods aggregating about two years for which he does not account. Until January, 1921, he worked in a veneer factory. He was discharged, he testified, because he lost too much time by reason of weakness and dizzy spells. Then he helped on his sister's farm for three or four months. The next definite information as to his employment is that, in July, 1922, he commenced as a machinist's helper in the shops of the Central Vermont Railway Company. He worked about two-thirds of full time until May 15, 1923, when he was laid off on account of force reduction. It does not appear what he did from then until February 18, 1924. At that time, he was again employed by the Central Vermont, and worked nearly full time as a laborer until May, when he quit in order to work in the Boston & Maine Railroad shops. In the following November, he was discharged because, as he said, illness caused him to lose too much time. In December, 1924, he was employed for the third time by the Central Vermont. He worked about 85 percent of the time until August 23, 1926. Then he went to the hospital for a month, but he did not return until November; he worked nearly full time for the remainder of the year. In 1927, he worked about half time -- that is, until the end of June, he worked about 85 percent of full time, he then went to the hospital for an undisclosed period, and, in October and November, he worked about 70 percent of full time. Then he was out until the end of January, 1928. Thereafter, until he was discharged in March, 1929, he worked about 80 percent of full time.
complaints and of a strong constitution. The record contains testimony that, throughout the period of this employment, petitioner seemed tired and ill, that he was transferred a number of times to lighter work, and that, had he not been a veteran, he would have been discharged.
June 16, 1918, a shell explosion threw him, injured his ankle, shocked him severely, and caused him to lose consciousness for a time and to suffer spells of dizziness, headaches, weakness, and great perspiration at least once a week during the month he remained in the hospital. Desiring to leave the hospital, he refrained from disclosing his illness to attending physicians or others. After he resumed active service, the spells became worse. He disclosed his condition to the company commander, and, because of it, was assigned to work in the kitchen. He did not get better while in France. After discharge, April 29, 1919, he went to his mother's home in Vermont and rested for some months. The spells continued, grew worse, and sometimes would last a day. After commencing work in July, 1919, he was unsteady and weak, lost much time, and, on account of his condition, was given lighter work and finally discharged in January, 1921. Early in 1923, he suffered a seizure in which he lost consciousness for about 15 minutes. So for as appears, this was the first seizure in which petitioner fell or became unconscious. Later he suffered such attacks with increasing frequency and intensity.
while in the military service, and that the epileptiform and epileptic fits, such as that suffered March 1, 1923, and later, are not curable.
"Any impairment of mind or body which renders it impossible for the disabled person to follow continuously any substantially gainful occupation shall be deemed . . . to be total disability. Total disability shall be deemed to be permanent whenever it is founded upon conditions which render it reasonably certain that it will continue throughout the life of the person suffering from it."
tests appropriate for the determination of either need not be ascertained. The various meanings inhering in the phrase make impossible the ascertainment of any fixed rules or formulae uniformly to govern its construction. That which sometimes results in total disability may cause slight inconvenience under other conditions. Some are able to sustain themselves, without serious loss of productive power, against injury or disease sufficient totally to disable others. It cannot be said that injury or disease sufficient merely to prevent one from again doing some work of the kind he had been accustomed to perform constitutes the disability meant by the Act, for such impairment may not lessen or affect his ability to follow other useful, and perchance more lucrative, occupations. Frequently, serious physical impairment stimulates to successful effort for the acquisition of productive ability that theretofore remained undeveloped.
It may be assumed that occasional work for short periods by one generally disabled by impairment of mind or body does not, as a matter of law, negative total permanent disability. But that is not this case. Petitioner, while claiming to be weak and ill and, contrary to the opinion and diagnoses of examining physicians, that he was really unable to work, did in fact do much work. For long periods amounting in the aggregate to more than five years out of the ten following the lapse of the policy, he worked for substantial pay. No witness, lay or expert, testified to matters of fact or expressed opinion tending to support petitioner's claim that he had suffered "total permanent disability" before his policy lapsed. Unless by construction these words are given a meaning far different from that they are ordinarily used and understood to convey, the evidence must be held not sufficient to support a verdict for petitioner. The trial court should have directed a verdict for the United States. Gunning v. Cooley, 281 U. S. 90, 281 U. S. 93; Stevens v. The White City, 285 U. S. 195, 285 U. S. 204.
Compensation for death or disability resulting from personal injuries suffered or disease contracted in the line of duty was provided by Article 3, Act of October 6, 1917, 40 Stat. 405, as amended. The grant of insurance was authorized by article 4, Act of October 6, 1917, supra, p. 409, as amended.
See Runkle v. United States, 42 F.2d 804, 806.
United States v. Golden, 34 F.2d 367, 370; United States v. Tyrakowski, 50 F.2d 766, 768.
Carter v. United States, 49 F.2d 221, 224; Eggen v. United States, 58 F.2d 616, 619; Wise v. United States, 63 F.2d 307, 308; United States v. Clapp, 63 F.2d 793, 795; United States v. Linkhart, 64 F.2d 747, 748.
". . . The director, subject to the general direction of the Secretary of the Treasury, shall administer, execute, and enforce the provisions of this Act, and for that purpose have full power and authority to make rules and regulations, not inconsistent with the provisions of this Act, necessary or appropriate to carry out its purposes. . . ."
§ 13, added by § 2, Act of October 6, 1917, 40 Stat. 399.
United States v. Phillips, 44 F.2d 689, 691; United States v. Godfrey, 47 F.2d 126, 127; Carter v. United States, 49 F.2d 221, 223; United States v.Lawson, 50 F.2d 646, 651; Nicolay v. United States, 51 F.2d 170, 173.
United States v. Harrison, 49 F.2d 227; Nicolay v. United States, 51 F.2d 170, 173, 174; United States v. Perry, 55 F.2d 819, 824; United States v. McGill, 56 F.2d 522, 524; United States v. Diehl, 62 F.2d 343, 344.
United States v. Hairston, 55 F.2d 825, 827; Wise v. United States, 63 F.2d 307, 308; United States v. Linkhart, 64 F.2d 747, 748. And see Eggen v. United States, 58 F.2d 616, 618.

References: v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 

§ 13
 § 2
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v. 
 v.