Company held responsible for employee's medical expenses.

Charles McFadden was hired by the agency of R&R Engine & Machine Co in 1988 R&R proffered its employees a group health insurance policy. For the first hardly any years he worked at R&R, McFadden did not participate because he had health insurance end his ex-wife's employer. In 1993 however, McFadden decided to participate in the R&R health plan. He signed the individual forms and was given hospital identification cards issued through the health plan.

upon Sept. 16, 1996, McFadden took a vacation day from work. a certain number of time that day, his fiance set him unconscious. He was rushed to the