Totally F***ed Up (1993) ^HOT^

Life really sucks for a group of gay and lesbian teenagers living in Los Angeles. Their parents kicked them out, they're broke and bored, their lovers cheat on them, and they're harassed by fag-bashers. If things are going to be this way, maybe suicide isn't a bad idea; at least not in the mind of Andy, our major protagonist, who gives the film its title by describing himself as "totally fucked up".

Totally F***ed Up (1993)

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Both policies define "total disability" or "totally disabled" in essentially the same language: "You: (a) cannot do the substantial and material tasks of your own job due to injury or sickness; (b) are not now working and earning an income; and (c) are under a physician's care."[1] Neither policy contains an exclusion for a disability caused by an intentional act, a violation of the law or incarceration. The 1982 policy originally contained, inter alia, an exclusion for disabilities caused by intentional, self-inflicted injury or illness, and another for disabilities attributable to the insured's commission or attempted commission of a felony. In 1985, however, Ohio National notified Duke and other policy-holders owning similar policies that it would no longer apply these exclusions. The 1988 policy, in accordance with that decision, did not contain these exclusions.

[1] This language is found in the 1982 policy. The 1988 policy's definition of "totally disabled" differs only insignificantly and, accordingly, the Court can consider the policies in tandem in rendering its decision. 041b061a72