204 F.3d 392 (2nd Cir. 2000) JOSEPH M. PALLOZZI, LORI M. PALLOZZI, Plaintiffs-Appellants,v.ALLSTATE LIFE INS. CO., Defendant-Appellee. Docket No. 98-7552 UNITED STATES COURT OF APPEALSFOR THE SECOND CIRCUIT January 13, 2000. TIMOTHY A. CLUNE, Disability Advocates, Inc., Albany, NY, for Plaintiffs-Appellants. LOUIS C. ROBERTS, Wilson, Elser, Moskowitz, Edelman & Dicker, New York, NY, for Defendant-Appellee. […]