Gladstone v. Metropolitan Life Insurance

This is an action under a group insurance policy for medical expense benefits for therapy rendered the plaintiff’s infant child by a registered psychologist.

The defendant issued a group medical expense policy to the State of New York for the benefit of the employees of various public bodies within the State. The plaintiff, a school teacher, holds a certificate of insurance thereunder.

The policy was issued in 1957 and the certificate some years thereafter. Under the terms of the policy (Art. 5) and a 1962 amendment (No. 11) certain out-patient psychiatric treatment was covered; but a fair…