Celley v. Mutual Benefit Health and Accident Association

The policies provide for an aggregate payment of five hundred dollars per month during the period the insured suffers a "total loss of time," i.e., when "the insured is able to perform none of his occupational duties, [and] receives no pay for performing work or service of any kind . . . ." In each policy there is an elimination endorsement that reads: "This policy is issued on the condition that benefits shall not accrue for disability resulting from eye trouble." The endorsements were included because in 1945 appellant had suffered a retinal detachment, which, although initially corrected by surgery, had eventually resulted in the loss of sight in the right eye.