United States v. Parnell

PARKER, Chief Judge. , This is an appeal by the United States in a war risk insurance case in which there was a verdict and judgment for the plaintiff. The policy was issued on the life of one J. C. Parnell while he was in the military service. He was discharged from the service on November 29, 1943 after a period of hospitalization, and premiums were paid on the policy by allotment through December 31, 1943. The thirty-one day grace period provided coverage through January 31, 1944. No further premiums were paid and the insured died May 11, 1945. The only question in the case is whether the insured was continuously and totally disabled from January 31, 1944 to his death. Defendant moved for a directed verdict on the ground that the evidence did not warrant an affirmative answer to that question. We think that the judge erred in not granting this motion, The facts in the case are that insured enlisted in the army in 1940. In Decernber 1942 he sustained a serious head injury as the result of a kick from a mule while serving in the Southwest Pacific and was hospitalized for about three weeks, He returned to his company and was under fire but in June 1943 was again hospitalized because of headaches from which he was suffering and was returned to the United States where, after spending a time in a government hospital, he was discharged from the service on November 29, 1943. He was married on December 18, 1943 and in the latter part of January 1944 went to work in a textile mill, where he continued to work for more than fifteen months or until his death on May 11, 1945. During this period of 69 consecutive weeks he had a work record averaging over 48 hours of work per week, and in only seven of the 62 weeks prior to April 1945 did he fail to work more than 40 hours per week and in only two less than 35 hours per week. He received a promotion during this period of service. His average pay was $28-11 per week during the first quarter of his service, $34.89 per week during the seconcl quarter, $33.21 per week during the , . , , V., 0Q , , - iU third quarter, $42.88 per week during the fourth quarterj and $34 16 per week dur. qUarter‘ ^ *’ 1945 did his earnings fall below $22 per week Insured suffered from nervousness and headaches from the time of his discharge from the army, and was examined from time to time by government physicians, The reports of these physicians are in evidence and show that the complaint of in-sured at the time of the examination was that he was suffering from nervous spells and headaches and that the diagnosis of the physician was psychoneurosis. The re-ports did not show a disability of sufficient degree to entitle insured, in the opinion of the examining physician, to vocational and rehabilitational treatment. Insured’s con-dition grew worse about two weeks before fds death, and on the evening of May 11 he suffered an attack from which he be-came unconscious and died within a very short time. The physician who was called attend signed a death certificate in stated that the cause of death was acute alcoho,ism and possible ptomaine P°is°ning. This physician later signed a statement that> on the basis of evidence subsequently submitted, he was of the opin*on ^eat^ was caused by epilepsy in-steac^ acute alcoholism. There is no evlclence in the record, however, that in-aure a<^ ever been thought to be aflcte whh epilepsy prior to that time, One physician examined in behalf of plaintiff gave as his opinion that insured was suffering from epilepsy and that, if so, he should not have worked when having attacks but that he was capable of working when not suffering from headaches and *656 that the work he was doing in the textile mill did not aggravate his condition or endanger his life. Another physician testified that, if he had convulsions he should not have worked in a-position that required him to meet a schedule or subjected him ió nervous strain, but that it was not objectionable from a medical standpoint for a man afflicted even with epilepsy to engage in work. While there was evidence from which the jury would have been justified in finding that insured’s death resulted from the head injury received in the service, there is none that this injury resulted in continuous total disability throughout the period that the premiums on the policy remained unpaid. There is evidence that insured was incapacitated for work when he had headaches and nervous spells but none that this incapacity was continuous, There is no evidence that the work that insured did aggravated his condition or had anything to do with his death. ., , - . . . The evidence shows that insured, after , . .... . r consultation with his wife, decided not to , , . , . ■ , keep up the war risk insurance policy be- f - * < i i*, cause he felt that he was not able to pay , . TT ,, „ - the premiums. He consequently allowed , . r • ii,i- - , this policy, which was payable to- his sister, , . r ■r • i to lapse for nonpayment of premiums and . r ... . . took out two small policies, one an mdus- ... i- * ,-t 1.1,1- trial insurance policy, both payable to his .. T , .f ’ - £ wife. Not until more than five years aft- , . , i er his death was this suit instituted. On these facts, we think it clear that verdict should have been. directed for the government. The question involved is not whether insured died of epilepsy or whether the cause of death was the result of military service, but whether he was continuously and totally disabled throughout the 15 months period when the premiurns m t e po icy remamec unpai • e was undoubtedly suffering from a disability which was disabling1 at times: but on no , / ,, . , possible view of the evidence could it be F ., . , . , held to be continuous total disability with- , . / . , m the meaning of the policy, which is defined as “any impairment of the mind or body which continuously renders it impossible for the insured to follow any substantial gainful occupation”. Veterans Administration Regulation 3443, 38 C.F.R. 8.43. true’ of course>tbat the mere fact that an msured works when Physically unable to d°' s° does n°t negative the existTe?ce of ^ squired disability. Carter v. United States, 4 Cir., 49 F.2d 221. the question is one for the jury where there 13 substantial evidence that the insured was ?ot able t0 work wltb any reasonable regulant7 at *** substantially gainful employ-ment. Berry v. United States, 312 U.S. 450, 61 S.Ct. 637, 85 L.Ed. 945. The evidence hef ’ however, is that insured worked at a substantially gainful occupation during Poetically the entire fifteen months period tbat the Premiums remained unpaid, and that work was not only not harmful but was beneficial to him. The evidence of the phy31clan t0 tbe effe<* tbat’ if in3ured had con-pulsions, he should not have worked where he would have been under a strain to. meet a schedule, is not sufficient to carry the case . . £ A Al to the jury for the reason that there was no « . - V ♦ , substantial evidence of convulsions and, .... « . ,* even if there had been, there was no evi, , , . , .. , . . , , dence that insured could not have worked at .. . < - some occupation where he would not have « . . , , A been subjected to such strain. At most, the ., « evidence shows mere partial disability or «. A £ ^ ' disability for a small part of the time or for .. , .. ... . — particular occupations; and this is- not suffi. . A ... tt . , ~ ^ cient. As said in Miller v. United States, 294 U.S. 435, 440-441, 55 S.Ct. 440, 442, 79 L.Ed. 977: “The burden was on petitioner not only to show the character and extent 0f bjs jnjury( 6ut aiso £0 show that the result of the injury was to disable him permanently from following any sub-stantially gainful occupation. * * * The mere ^ ^ he was unaMe to follow the occupation of surveyor or to d<> wk of ^ kind he hadbeen ac_ . , . , , , , . . . customed to perform before his injury , , ., • , , ,, does not establish the permanent and . . . , . ,, . total character of his disability.” Lumbra v. United States, 290 U.S. 551, 54 S.Ct. 272, 275, 78 L.Ed. 492, was a case involving grand mal epilepsy. In holding that a verdict should have been directed in *657 that case against a claim of total and permanent disability, the Supreme Court said: “The phrase ‘total permanent disability’ is to be construed reasonably and having regard to the circumstances, of each case. * * * The various meanings inhering in the phrase make impossible the ascertainment of any fixed rules or formulae uniformly to govern its construction. That which sometimes results in total, disability may cause slight inconvenience under other conditions. Some are able to sustain themselves, without serious loss of productive power, against injury or disease sufficient totally to disable others. It cannot be said that injury or disease sufficient merely to prevent one from again doing some work of the kind he had been accustomed to perform constitutes the disability meant by the act, for such impairment may not lessen or affect his ability to follow other useful, and perchance more lucrative, occupations.” See also United States v. Spaulding, 293 U.S. 498, 55 S.Ct. 273, 79 L.Ed. 617; United States v. Still, 4 Cir., 120 F.2d 876; Cartey v. United States, 5 Cir., 86 F.2d 139; Queen v. United States, 4 Cir., 105 F.2d 146; United States v. Derrick, 4 Cir., 83 F.2d 99; United States v. Farnsworth, 4 Cir., 77 F.2d 91; United States v. Carper, 4 Cir., 75 F.2d 191; United States v. Legg, 4 Cir., 70 F.2d 106. The last two cases involved epilepsy. We do not regard the decision in Halliday v. United States, 315 U.S. 94, 62 S.Ct. 438, 86 L.Ed. 711, as to the contrary. An. important point in that case, which does not arise here, was whether the testimony of a physician that insured was totally and permanently disabled was sufficient to take the case to the jury. There was evidence, also, that the insured there was “a complete physical and mental wreck, very badly torn up mentally and physically” and unable to do a full day’s work. For the reasons stated, the judgment appealed from will be reversed. Reversed.