Opinion ID: 2646732
Heading Depth: 2
Heading Rank: 2

Heading: Frank’s Disability

Text: Frank first sought treatment for memory loss in 2007 at the age of sixty-two, although his functional disability from the disease began in approximately 2003. He continued working full-time until 2008, and worked in some capacity as a Financial Advisor until November 2010. On September 27, 2010, after the Policy expired in 2009, Frank’s wife, Joy Frank (“Joy”), contacted Reassure about submitting a claim for disability benefits based on Frank’s diagnosis with Alzheimer’s. In December 2010 and January 2011, Reassure informed Joy that Frank appeared eligible for Partial Disability and Residual Disability benefits from the time he was first treated for his condition in March, 2007 through May 15, 2009, when he turned sixty-five.4 App’x 91, 158. Reassure based this conclusion on “all of the medical records that [Reassure had requested] from [Frank’s] medical providers as well as an Attending Physician Statement form.” Id. at 90. 2 The Residual Disability Monthly Benefit is equal to the Monthly Benefit shown on the Schedule Page multiplied by the Percentage Loss of Monthly Income. App’x 41. 3 The Policy also provides that the Insured must be under the regular care of a licensed physician in order to be eligible for benefits under the Policy. App’x 43. 4 Frank cancelled his policy in 2008. However, due to his condition, Reassure reinstated the Policy and agreed to pay benefits dating back to March 2007. App’x 91. 3