ORDER GRANTING DEFENDANT'S MOTION FOR PARTIAL SUMMARY JUDGMENT
KAY, District Judge.
BACKGROUND
This case arises out of an insured's alleged disability and his multiple insurers' refusal to pay on the filed claims. Plaintiff Donald M. Pachuta, M.D. ("Plaintiff or "Pachuta") began to work for Kauai Medical Center ("KMC") in 1992. Pachuta alleges
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