Mrs. Black has paid all of her insurance bills and thus is entitled to health insurance provided by her insurance company, Great Benefit. However, Great Benefit breached their duty and failed to do their duty by refusing to pay for the costly transplant procedure. Her request for a claim had been denied eight times with the final letter saying "You must be stupid, stupid, stupid" because of her relentlessness. The cause in effect which was the direct line was that Mrs. Black’s son Donny Ray was diei

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