Malerbi v. Central Reserve Life of North America Insurance

This action was brought by Larry R. and Linda Malerbi for benefits under a certificate of insurance issued by the defendant, Central Reserve Life of North America Insurance Company (hereinafter Central Reserve).

On October 1, 1982, Central Reserve issued a group insurance policy to Younglove Career Consultants, Inc. As a Younglove employee, Larry Malerbi and his dependents, including his stepson Bryan Buckley, were insured by the policy. The policy included comprehensive major medical coverage, the purpose of which was to indemnify for major loss through accident or sickness.

On December 15,…