Daniel P. Williams v. Metropolitan Life

This is a suit on a contract of group life insurance issued by the defendant, Metropolitan Life Insurance Co., to General
Motors Corporation to cover the lives of its employees at its Chevrolet assembly plant in St. Louis. The plaintiff was the
father of Daniel P. Williams, Jr. who entered the employ of General Motors on March 9, 1964. Daniel P. Williams, Jr. was an
hourly rated employee working a shift from 7:00 a.m. to 3 p.m. o'clock. As such, he was entitled to request insurance under
the group plan. This request was filed by him with his employer on or before March 11, 1964. At the same time he authorized
a deduction from his pay for the premium charged. On March 18, 1964, Daniel P. Williams, Jr. sustained an injury to his right ankle arising out of and in the course of his
employment requiring medical care and treatment. He was referred by his employer to Dr. Earl P. Holt, who saw him on several
occasions up through April 17, 1964, and on that date another appointment was given him by Dr. Holt for May 1, 1964, at 1:30
p.m. o'clock. As will be more clearly understood later, May 1, 1964, was a crucial day in this litigation, since it was the
date upon which the group insurance policy would become effective as to Daniel P. Williams, Jr.