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A divided Florida Supreme Court, in responding to questions certified by the U.S. Court of Appeals for the Eleventh Circuit, has determined that the “automatic benefit increase percentage” in a “Limited Benefit Home Health Care Coverage Certificate of Insurance,” which had been issued to policyholders as evidence of insurance under a group policy, applied to the dollar values of the policy’s “lifetime maximum benefit amount” and its “per occurrence maximum benefit.” The court also ruled that:

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