Insurance 101 – Chapter 11 – Volume 18 – Fletcher v. Western Life Insurance Company

Fletcher v. Western Life Insurance Company

In Fletcher v. Western Life Ins. Co., 10 Cal. App. 3d 376, 89 Cal. Rptr. 78 (1970), the plaintiff, Fletcher was, at the time of trial, a 41-yearold father of 8 children, seven of whom were still in school. He had only a fourth grade education and before he was disabled was employed as a scrap operator for a rubber company which required heavy manual labor. He eared about $289 a week working 70 to 80 hours a week. He purchased a disability policy from Western National before his injury which provided for payments of $150 per month should he become totally disabled because of sickness or injury. In the event of sickness such payments were limited to a maximum period of two years. Fletcher was injured while lifting a 361 pound bale of rubber.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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