insurance policy only applied to medical insurance and not long-term disability coverage.

John Edelman was testifying at the Supreme Court Civil suit filed by former Sonesta Beach chief David Boyd against Colonial Insurance.

Mr. Boyd, the one-time president and managing director of the hotel who now lives in North Carolina, left his job due to chronic pain nearly two years ago and he has brought an action against Colonial which has denied him disability compensation. At issue is whether a June 1996 amendment clause to the hotel's insurance policy does or does not cover pre-existing medical conditions on long-term disability.

On Friday, Mr. Edelman, who negotiated the policy on behalf of Colonial Insurance, told the court that Mr. Boyd was fully covered by the policy once it went into effect on April 1, 1996.

And he said that as of the activation date Mr. Boyd became subject to all of the terms under the 71-page document.

"He was accepted under the policy because it didn't require any medical forms disclosing pre-existing conditions for the major medical coverage,'' he explained. "But on the long-term disability he was subject to the pre-existing condition provision.'' Mr. Edelman, who now lives in Illinois, said that according to the policy, if Mr. Boyd had a pre-existing condition before the April 1, 1996 activation date which caused him to become disabled, Colonial could deny the claim.

But if Mr. Boyd became disabled by an injury that was not the result of a pre-existing condition, then Colonial would pay him long-term disability.