Opinion ID: 712984
Heading Depth: 3
Heading Rank: 2

Heading: The Sentry Policy

Text: 31 The Sentry Policy provides that monthly disability benefits will be paid under the following conditions: 32 If total disability of the Insured commences while the policy is in force as to the Insured ... the Company will pay the amount of the Monthly Indemnity stated in the Schedule applicable to the Insured for each month ... throughout which such total disability continues beyond [the] Elimination Period.... The Policy defines total disability as: 33 disability caused by injury or sickness commencing while the policy is in force as to the Insured, which prevents the Insured from performing the duties of his then current occupation, beyond the end of the elimination period and which requires the regular care and attendance of a currently licensed physician or surgeon other than the Insured.... 34 Sickness is defined as: 35 Sickness or disease which causes a period of total disability commencing while the policy is in force as to the Insured. 36 The analysis of Dr. Goomar's coverage under the Sentry Policy with respect to total disability is the same as the analysis under the Centennial Policy. Thus, for the reasons previously stated, we hold that Dr. Goomar has failed to present a material issue of fact as to whether his alleged sickness caused the loss of his license and thus his alleged total disability. We therefore affirm the district court's grant of summary judgment for Sentry. 37