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Antram v. Stuyvesant Life Insurance Company
287 So. 2d 837
Ala.
1973
Check Treatment

*1 already having been determined judge. 2,

trial Ala.Dig., Appeal See Vol. Error,

& ^80(4). No sound has reason why advanced this court ex- should

tend scope line this of cases as so

permit piecemeal appeal such as cases

the one at bar.

Moreover, provisions of Title §

24, Code of providing Alabama

deposit payment into dam- court of the

ages assessed in condemnation cases or-

der entry pending appeal, to secure as well provisions

as provid- of Title

ing payment damages six within appeal determined, together

months after clearly

seem the legislature indicate that judgments

intended condemnation only

cases become final after assessment

damages. is, therefore,

It con- must judgment

clude that the a fi- instant is not

nal judgment, appeal and that must premature.

dismissed

Appeal dismissed.

COLEMAN, HARWOOD, McCALL FAULKNER, JJ., concur. ANTRAM,

Albert L. etc.

STUYVESANT LIFE INSURANCE COMPANY, corp.

SC 276.

Supreme Court Alabama.

Dec. 1973.

Rehearing Jan. Denied *2 Slepian, Mobile, appel- McDermott & '

lee. Vickers, Riis, Curran, Mobile, Murray & appellant.

mind, Guardianship and Letters of were is- wife, Dorothy sued to Louise Antram. August On Probate Court Antram, as of Mobile authorized An- Mrs. *3 guardian, the tram’s to settle Texas suit JONES, Justice. $100,000. Cooley Ms. with Antram, by This is an action Albert L. settlement, to Prior and until said An- appellant, seeking declaratory judgment to paid per by tram was month Be- $190.67 rights salary contin- determine his under a loit’s workmen’s carrier who provision in a uation sickness and accident obligated would otherwise have to policy appellee, by Stuyvesant issued Life payments they continue until said reached employer, Company, to Antram’s $17,600. of total The total amount of Corporation, Beloit of Be- for the benefit compensation payments received loit’s un- employees. Antram was covered prior $2,682.68. the to settlement was policy. der said 4, On January 1968, riding Antram was Pursuant to Title Code of Ala- Texas, and, in Beaumont, an automobile 1958), (Recomp. bama the workmen’s scope acting while within the line and compensation payments were discontinued his employment, an automobile driven 4, 1969, September on and Antram was re- Margaret Cooley R. collided Antram’s quired $2,682.68 to refund the received As a direct said col- automobile. result of prior from the carrier to the settlement. lision, totally permanently Antram was and settlement, After disabled. the discontinuance of Antram, the workmen’s to payable The benefits under the and the $2,682.68 reimbursement of the to are: carrier, appellee the continued to deduct “Fifty percent regular earn- (50%) per the salary month from the con- $190.67 ings subject . . to a maximum . payments tinuation although Antram de- indemnity $1,000.00, less monthly appellee manded that the cease making paid disability amount income benefits such deductions. payable or primary Social Securi- ty, Compensation, Unemploy- However, 1, 1970, on January when so- Compensation ment or security cial benefits were increased law .” (Emphasis ours.) . . . 15%, appellee monthly the the pay- reduced to appellant ments the On $80.08. Janu- computed as Antram’s benefits were fol- ary security social benefits were lows : appellee increased and the reduced 10% salary payment the continuation to $62.08. Month Salary 50% Per Base $450.00 $900 The Security Act Social was amended Security Less Monthly Social 155.85 Benefits again September increasing the Less Workmen's Monthly Comp. by 20%, appellee and the accord- Payments 346.52 190.67 ingly appellant payments reduced its Monthly Salary Net Continuation $22.70. Payment $103.48 6, Appellant Antram filed suit requested On November the court to declare appellee in the Eastern that U. District Court for the the S. not entitled to deduct Division, Texas, per salary District of Beaumont month from contin- $190.67 against Cooley. payment July appellee Ms. On uation and to direct the Alabama, County, Probate Mobile to reimburse to repre- Court of Antram sums person senting to be a unsound declared Antram said workmen’s bene- provision of salary continuation against the salary from the previously deducted fits policy. payments. continuation appellant The that contends appellant contends interpreting pay- “or ambiguous or compensation benefits were able” to the insurer deduct authorize result of him the paid payable are payments he, appellant, was never recovery which excused third-party receive, to a entitled due set- liability. carrier from tlement, unreasonable, illogical, has that Antram’s ac- contends appellee partic- allowing effect of the insurer scope line cident incurred ipate settlement. The and that employment of his heavily Baggett on appellant relies paid are were and *4 Webb, 666, Ala.App. 46 275 248 So.2d meaning the and to Antram within payable (1971), 725, 248 Cert. den. 287 Ala. So.2d in they were the of terms as used those although acknowledged that (1971), 248 he policy. directly point. is in only this case not The directly appellant case cited which bears August The decree on a entered the is v. on issue before us Burkett Conti- exclusionary the holding that Company, Cal.App.2d nental 271 Casualty disability policy clause contained 360, Cal.Rptr. 76 (1969).1 476 therefore applicable was to Antram and to Antram not entitled the relief appellee argues The that the workmen’s prayed appeal. the for. Hence payable compensation are still sub- pay- The is the words “or issue whether a the ject resulting to credit from third- interpreted authorizing able” as should be party recovery. Appellee contends that the deduct the com- insurer to workmen’s Casualty Company, Land v. Continental pensation salary benefits from the contin- is (1969) 284 Minn. 568 170 N.W.2d payment the did not uation where insured requests directly point in and to a settlement receive such benefits due adopt reasoning of Land. The the third-party tort Other- with the feasor. appellee American Cas- also cites Wise v. stated, not re- wise when the insured does Ga.App. 161 ualty Company, S.E. 117 compensation ceive workmen’s arguments. support 2d in of its (1968) 393 third-party due a tort to a settlement with only on The Alabama case relied Phil- feasor, re- the insurer be allowed to should Company lips v. The Prudential obligated make payments duce the it to America, of 285 Ala. salary to the insured a continuation exclusionary the (1970), which held policy insurance the amount the insured hospital policy stating in family clause a would the have received under Workmen’s provide for policy that the did not Compensation Act if there had been no injury by any an covered Com- recovery merely in- because the Act, of pensation type injury to the related fortuitously injury sured’s while occurred placing the the workmen’s claimant under acting the in the line and insured law, compensation the rather than to bene- scope employment? of his answer in We appellee fits flowing such law. from negative the and hold that the trial court argues should not re- also the Court allowing per erred in the offset $190.67 Beloit. make its contract with compen- (the month amount of workmen’s pay- sation are benefits which would have been The Alabama cases cited neither except application by analogy disposi- able for third-party recovery) the direct nor relating general (Tenn.App. Georgia, 1. For additional cases Co. of 465 S.W.2d 742 1970) ; Songe Life Tennessee Insur- issue of offset of workmen’s and v. factually (La.App., 1972). payments, although Company, not here anal ance 260 149 So.2d King Sturgill, ogous, see Jr. v. Life Insurance employee us. precise injured now before received a tive of this issue recovery compen four- Burkett case stands excess The California benefits, appellant (in- liability sation there is no on square position for part employer, as the Minnesota its jured does employee) carrier, (insurer). appellee pay Land case Indeed, impression except Ala- benefits. a case its share of with first Faced authority employee’s fees, attorneys provided from other split as bama —and basic in the last third-par must return our sentence of jurisdictions —we ty recovery interpretation operates construction rules of such cases complete any remedy this issue. bar contracts resolve for workmen’s insurance compensation payments.2 by the Alabama Court As summarized Appeals in the case Mercantile injured employee contention that the Company Johnson, 41 Life Insurance forego could third-par- elected hav.e Ala.App. 132 So.2d ty recovery thereby entitled himself rule that the terms “It is a well settled and, benefits — will be construed an insurance therefore, “payable” such benefits are —is strongly against most insurer inquiry untenable. The is not what he ambigu- of a are where the words producing hypo- could have done —hence *5 capable of ous, they two or where are thetical is inquiry situation —but rather the interpretations, that favorable reasonable reality what in did he do ? In this case he adopted.” to the be insured will pursued recovery, and made as he had a right do, third-party to in his action. Once expansion rule was Likewise effected, recovery his was during by the the same stated same compensation were not Company term Life Insurance Globe payable. Howard, Ala.App. 41 Alabama v. 147 853, thusly: So.2d An examination of the insurer’s treat- security ment of social benefits reveals an “Also, it is poli- said terms of interpretation by the insurer of the word cy are plain, construed ordinary their “payable” totally consistent with our hold- popular and usage . . . are and to ing. The insurer did not fix the status of given be a rational pratical construc- such benefits as of time original of the struction.” computation policy, of benefits under the but rather it to credit the continued social “plain We believe the and ordi security they increases as accrued. With nary” portion ap of the above rule is here agree. this we This is clearly the field plicable. Within the context which we are operation intended “payable”. the word asked to contract, construe this we see only consistency perceivable by an nothing ambiguous “pay about the word adoption of the insurer’s contention with able”. The parties mere fact that adverse respect to the off- contend different constructions does set is found ain result most favorable not of itself force the conclusion that the the insurer. this interpretation When disputed language ambiguous. Under applied equally, credit for security social stipulated case, facts of this payments is due the full extent that such payable or they are payments “payable” insured; are payable. are not Title Code of § and likewise credit is due where work- Alabama 1940 (Recomp.1958), amended, men’s benefits are not “pay- provides the irrefutable answer. Where able”. 2. This Liberty is not construed as a bar See Mutual Co. Manas- recovery hospital expenses. co, medical and Ala. 271 123 So.2d 527.

721 HEFLIN, MERRILL, HAR- J., to one ourselves C. address nowWe WOOD, BLOODWORTH, McCALL and inquiry case. aspect of the On remaining FAULKNER, argu JJ„ concur. during oral by the Court of counsel effect ment, made was disclosure himself had availed plaintiff’s counsel MADDOX, JJ., COLEMAN dissent. provision in the “attorneys fees”

of the every he This had last sentence MADDOX, (dissenting). provision This Justice duty, to do. right, indeed states: do not respectfully I must dissent. I “payable think the words sec- made under this “In settlement Compensation ... third-party by the negligent tion awith ” . are am law . . death, by his employee, or in case biguous. I follow believe we should dependents, employer shall be liable reasoning Casualty v. Continental Land attorneys fees in- part Co., 284 170 568 Minn. N.W.2d with the third- settlement curred , majority stands (1969) which the admits suit, in the without party, either with or “foursquare” appellee (insurer). for the the amount of the proportion that

same employers liability to in the reduction Grimes, Milling In Brunson Co. v. 267 re- pay bears to the total (1958), Ala. So.2d third-party.” such covery had from said: employers liability “reduction Compensation “Our Workmen’s Laws pay compensation” effected adopted were from the Minnesota Laws $17,600. recovery The in- Compensation, of Workmen’s M.S.A. § rightly charged surance carrier et seq., 176.01 and Minnesota construc- *6 plaintiff’s at- proportionate its of the share persuasive tion of that law is of value to torneys effecting recovery. such fees for this Pow Construc- court. v. Southern To the extent the workmen’s Co., tion 180 235 Ala. So. 288. fees, ap- company paid such the insurance credit, pellee to a is entitled (insurer) Phillips In Prudential of v. Ins. Co. being benefits America, 285 Ala. “paid payable”. pay- The fact that such , (1970) Court, construing a clause attorneys ment designated as of fees provide a which did not benefits since the end result inures consequence respect injury to “sickness or covered injured of this em- the direct benefit by any act” stated ployee plaintiff. Baggett “ . that . type . it is the disease or of Webb, supra. v. that injury play into the calls exclusion rather than the amount that of Therefore, inquiry proper a on remand ” may injury be received . . . any payment of this is the amount of case Antram was covered under Workmen’s made car- the workmen’s Compensation paid benefits were laws and attorney by way employee rier to the or his injury because the arose of out Antram’s attorneys of in the action. fees employment. I believe this Court’s of case against pro- An allowable credit Phillips America, of Ins. Co. Prudential salary vided the continuation under supra, gives guidance interpreting provi- ap- here sions of insurance contract I would then be here. consideration also believe we should follow the Land propriate.

case, fours since it all is on construes remanded. provision Reversed and a of Minnesota’s Workmen’s 722

Compensation Syndrome Zollinger-Ellison phy- which is similar to a (which Law Sec- plain- tion The Minnesota sician trial Title testified at was the 26. ailment) reasonably held that benefits recovered from a third tiff’s natural or a probable party employee employment. tortfeasor a covered result of the Mr. “payable” place under a Com- had were O’Connell tried to himself pensation position Law. and had of referee concluded opinion that testifying physician of the Furthermore, agree cannot I Bur- would either show Cal.App. Co., kett v. Continental Cas. 271 aggravated by caused or Burkett’s ac- Mr. Cal.Rptr. 2d (1969), 76 476 stands employee an tivities as bank. There, “foursquare” for the Bur- insured. unnecessary think it is We us kett not claim did make for Workmen’s “[la] go subject general into com Compensation Burkett’s insurer benefits. petency expert an testify put on a who witness testified Burkett likely of a proceeding results which was have such would been entitled to commenced, never Here, or into the matter of applied had he for them. the in- appellant’s assertions already of deficiencies Mr. paid sured had been or had estab- testimony. O’Connell’s The policy does not Compensa- eligibility lished to Workmen’s contain obligation statement an on tion benefits. The California court said: part apply insured for work insurance, “The contract of which is a compensation. ‘payable’ men’s The word group policy, provides pay- that the benefit does necessarily not mean that which able shall ‘LESS ANY AMOUNT might might (or have been obtained not) PAID OR PAYABLE UNDER ANY by the proceedings commencement un COMPENSATION, OC- WORKMEN’S der Compensation the Workmen’s It Act. CUPATIONAL ACT DISEASE OR is subject meaning has what LAW.’ been Compen awarded the Workmen’s mony predecessor, Mr. Burkett the amount these he that if body sion, from July He conceded that he could not men’s had been a member of amounts which witness Compensation Appeals (Trial “There “The insurance company briefs would have been can amounts, saying, compensation, was in Mr. Burkett had Mr. say an expert about the John actually awarded, that.’ Industrial Accident Commis- August good were 1963 to O’Connell, as to what result there would have been admissibility deal of discussion in which later 1967.) T don’t applied eligible Board described the Workmen’s February deducted from presented he did He testified lawyer testify think any- for work- for not above. testi- paid as a who do, its pecially by al his nothing *7 361; the company tion Appeals Board ly against plaintiff. Funding insurance collected is Rptr. 12, 366 take such action when sation announcement Cal.2d case before the Workmen’s upon Continental Appeals do which would Corp. policy are Co., we himself the burden of ‘payable.’ the insurer. made demand either by find no reason for P.2d Board v. Motors Insurance 57 Cal.2d by particular there Casualty Cal.Rptr. 455.) to be require but [2] employees its has not construed 27, [lb] Co. (Southwestern referees. Es the insured to evidence demand 161, 378 P.2d terms Compensa requiring We yet covered proving 17 Cal. Zurich gener strict Corp., upon find an might application have been been had made argument “The compa- insurance for compensation; and also ny does not take into consideration the de- about testimony particu- Mr. O’Connell’s termined resistance might which have been lar, especially because he conceded that he by made a workmen’s carrier qualified was not against answer whether the claim made Mr. Burkett. that the the fact Moreover, it overlooks caused which

very condition argu- own which, by defendant’s one in his by over exertion

ments, was caused might have and which activities

business obtain by a contest aggravated is true that compensation. It ap- many faced difficulty must compensation who

plicants

must rely on that form of relief. [3] But disability insurance purchases

one who to relieve proceedings take

policy need not remedies, un- seeking other

his insurer obliges him to do clearly

less the

so.” if the California me that

It seems to facts had been faced with suggest.

case, as I have held it would

Here, been awarded benefits. Antram had case, insured had not. the California

In contingent or doubtful nothing

There was In the California

about Antram’s award. applied

case, had not even the insured Compensation.

benefits under Workmen’s said, af- what I have would

Based on I I re- Consequently,

firm the trial court.

spectfully dissent. Virgis

In the Matter Honorable M. ASH WORTH, Judge of the Fourth Ju

dicial Circuit Alabama.

Misc. 428. No.

Supreme Alabama.

Jan.

Case Details

Case Name: Antram v. Stuyvesant Life Insurance Company
Court Name: Supreme Court of Alabama
Date Published: Dec 6, 1973
Citation: 287 So. 2d 837
Docket Number: SC 276
Court Abbreviation: Ala.
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