California, United States of America
The following excerpt is from Burnaby v. Standard Fire Ins. Co., 40 Cal.App.4th 787, 47 Cal.Rptr.2d 326 (Cal. App. 1995):
In Brandt v. Superior Court, supra, 37 Cal.3d 813, 210 Cal.Rptr. 211, 693 P.2d 796, the insured was covered under a group disability income insurance policy issued to the insured's employer. The insured became totally disabled and demanded the benefits due under the policy. The insurer refused to pay
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