for an extended period of time.

On July 28, 1995, Dr. Gorman also offered a report supporting
Edmonds' claim. He explained that Edmonds had been referred to
him in 1992 by Ms. Thomsen when Edmonds' previous psychiatrist
had moved from the area. He recounted her long history of moderate
dysthymia and the abrupt worsening brought about by her mother's
terminal illness and her conflict with her new boss.

         As the result of these two stressors Ms. Edmonds demon-
         strated a much more significant degree of psychopathology.
         Her depression became significantly worse. She went from
         experiencing a Dysthymic Disorder to a Major Depressive
may produce or exacerbate symptom
          development leading to a pattern of invalidism."

Along with its opinion, MRI sent Hartford a bill for $472 and an
advertisement for a "new cost-saving service" involving review of
invoices from hospitals for DRG (diagnostic-related groups) services.
Interested insurers were directed to MRI's Marketing Department at
a toll-free number.

By letter dated January 6, 1996, Hartford again denied Edmonds'
claim. On February 13, 1996, Edmonds tried one last time. She filed
another appeal and submitted additional evidence: the determination
of the Social Security Administration that she was disabled from
returning to her past work (though not to all work) and the report of
Dr. Robert Altman, who had examined her on April 27, 1995, in con-
nection with her Social Security claim and had corroborated Dr.