MEMORANDUM OPINION
SMALKIN, District Judge.
This matter is before the Court on the parties' cross-motions for summary judgment, as to which no oral hearing is needed. Local Rule 105.6, D. Md.
The plaintiff is insured under a disability policy issued by the defendant. There is no question that she qualified for benefits under the policy, on account of her disability. When she had exhausted the "maximum benefit term" of the policy ("5 years...
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