Glew v. Cigna Group Insurance
Plaintiff George Glew, a volunteer EMT, contracted hepatitis C and other illnesses after a needle stick injury in March 1994 while on duty. He filed a claim with CIGNA, the insurer, under an accident and sickness policy. CIGNA denied the claim, asserting the policy was 'accident only' or that notice was not timely. Glew sued to recover disability payments. The court found that CIGNA's 1994 accident and sickness policy, though lost, had terms similar to a 1995 VFIS policy, providing indefinite coverage for infectious diseases. The court ruled that Glew proved his total and permanent disability was caused by the needle stick and that he complied with the policy's notice provisions, thus entitling him to total disability benefits from CIGNA.