<html> <head> <meta http-equiv=Content-Type content="text/html; charset=windows-1252"> <meta name=Generator content="Microsoft Word 10 (filtered)"> <title>Filed 12/9/05</title> <style> <!-- /* Font Definitions */ @font-face {font-family:Tahoma; panose-1:2 11 6 4 3 5 4 4 2 4;} @font-face {font-family:"Trebuchet MS"; panose-1:2 11 6 3 2 2 2 2 2 4;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {margin:0in; margin-bottom:.0001pt; line-height:150%; font-size:13.0pt; font-family:"Times New Roman";} p.MsoFootnoteText, li.MsoFootnoteText, div.MsoFootnoteText {margin:0in; margin-bottom:.0001pt; font-size:12.0pt; font-family:"Times New Roman";} p.MsoHeader, li.MsoHeader, div.MsoHeader {margin:0in; margin-bottom:.0001pt; line-height:150%; font-size:13.0pt; font-family:"Times New Roman";} p.MsoFooter, li.MsoFooter, div.MsoFooter {margin:0in; margin-bottom:.0001pt; line-height:150%; font-size:13.0pt; font-family:"Times New Roman";} span.MsoFootnoteReference {vertical-align:super;} a:link, span.MsoHyperlink {color:blue; text-decoration:underline;} a:visited, span.MsoHyperlinkFollowed {color:purple; text-decoration:underline;} p {margin-right:0in; margin-left:0in; font-size:12.0pt; font-family:"Times New Roman";} /* Page Definitions */ @page Section1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in;} div.Section1 {page:Section1;} --> </style> </head> <body lang=EN-US link=blue vlink=purple> <div class=Section1> <p class=MsoNormal style='line-height:normal'><span style='font-size:10.0pt'>Filed </span><span style='font-size:10.0pt'>12/9/05</span></p> <p class=MsoNormal align=center style='text-align:center;line-height:normal'><b>CERTIFIED FOR PUBLICATION</b></p> <p class=MsoNormal align=center style='text-align:center;line-height:normal'> </p> <p class=MsoNormal align=center style='text-align:center;line-height:normal'>IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA</p> <p class=MsoNormal align=center style='text-align:center;line-height:normal'> </p> <p class=MsoNormal align=center style='text-align:center;line-height:normal'>FIRST APPELLATE DISTRICT</p> <p class=MsoNormal align=center style='text-align:center;line-height:normal'> </p> <p class=MsoNormal align=center style='text-align:center;line-height:normal'>DIVISION TWO</p> <p class=MsoNormal align=center style='text-align:center;line-height:normal'> </p> <p class=MsoNormal align=center style='text-align:center;line-height:normal'> </p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse'> <tr> <td width=319 valign=top style='width:239.4pt;border-top:none;border-left: none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt; padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='margin-bottom:6.0pt;line-height:normal'>KIMBERLY GIN,</p> <p class=MsoNormal style='margin-bottom:6.0pt;line-height:normal'> Plaintiff and Appellant,</p> <p class=MsoNormal style='margin-bottom:6.0pt;line-height:normal'>v.</p> <p class=MsoNormal style='margin-bottom:6.0pt;line-height:normal'>PENNSYLVANIA LIFE INSURANCE COMPANY,</p> <p class=MsoNormal style='margin-bottom:6.0pt;line-height:normal'> Defendant and Respondent.</p> </td> <td width=319 valign=top style='width:239.4pt;border:none;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='line-height:normal'> </p> <p class=MsoNormal style='line-height:normal'> </p> <p class=MsoNormal style='line-height:normal'> A109541</p> <p class=MsoNormal style='line-height:normal'> </p> <p class=MsoNormal style='line-height:normal'> (Alameda County</p> <p class=MsoNormal style='line-height:normal'> Super. Ct. No. CH 218844/H 218844-3)</p> <p class=MsoNormal style='line-height:normal'> </p> </td> </tr> </table> <p class=MsoNormal> </p> <p class=MsoNormal> In this <a href="http://www.fearnotlaw.com/">appeal we must determine whether benefits are due under an insurance</a> policy that provides disability benefits for â€