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Following his accident from the above case, Dr. Kreig is able to more than replace his previous earnings by working as a professor of orthopedics,

Following his accident from the above case, Dr. Kreig is able to more than replace his previous earnings by working as a professor of orthopedics, and a consultant in malpractice suits. If the definition of disability in his policy was "modified own occupation", Dr. Kreig will be denied disability benefits

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