Mutual Life Insurance Co. of New York v. Clark

As I interpret the majority opinion in this case, it simply prohibits insurance companies from entering into contracts with a definition and meaningof “total disability” different from the general definition and meaning we have applied in prior cases where it has been necessary for this court to define total disability within the meaning of a particular contract.

The group policy involved in this case insured a veterinarian against total disability defined as "... a disability which wholly and continuously disables the member so that he can perform no duty pertaining to his occupation and…