Young v. Metropolitan Life Insurance Company
ORDER Adopting Report and Recommendation DENYING 30 Motion to Stay filed by LaShawn Young, GRANTING 27 Motion for Summary Judgment filed by Metropolitan Life Insurance Company, Signed by District Judge Marianne O. Battani. (KDoa)
UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF MICHIGAN
CASE NO. 2:15-cv-11028
HON. MARIANNE O. BATTANI
METROPOLITAN LIFE INSURANCE
OPINION AND ORDER ADOPTING THE MAGISTRATE JUDGE’S
RECOMMENDATION; GRANTING DEFENDANT’S MOTION FOR SUMMARY
JUDGMENT; AND DENYING PLAINTIFF’S COMBINED MOTIONS
FOR SUMMARY JUDGMENT AND TO STAY PROCEEDINGS
Before the Court are Plaintiff LaShawn Young’s objections to the Magistrate Judge’s
Report & Recommendation (“R&R”). (Doc. 36). Magistrate Judge Elizabeth A. Stafford
considered the parties’ cross motions for summary judgment and Plaintiff’s motion to
stay and, on August 5, 2016, entered an R&R. In the R&R, Magistrate Judge Stafford
recommended that the Court grant Defendant Metropolitan Life Insurance Company’s
(“Met Life’s”) motion for summary judgment and deny Plaintiff’s motions. For the
reasons that follow, the Court ADOPTS the R&R (Doc. 35), GRANTS Met Life’s Motion
for Summary Judgment (Doc. 27), and DENIES Plaintiff’s combined motions to stay and
for summary judgment (Doc. 30).
STATEMENT OF FACTS
As the parties have not objected to the R&R’s summary of the background, the
Court adopts that portion of the R&R. (See Doc. 35, pp. 2-3).
STANDARD OF REVIEW
a. Review of a Report and Recommendation
Pursuant to Federal Rule of Civil Procedure 72, a party may object to and seek
review of a Magistrate Judge's report and recommendation. See Fed. R. Civ. P.
72(b)(2). Objections must be stated with specificity. Thomas v. Arn, 474 U.S. 140, 151
(1985) (citation omitted). If objections are made, "[t]he district judge must determine de
novo any part of the magistrate judge's disposition that has been properly objected to."
Fed. R. Civ. P. 72(b)(3). De novo review requires at least a review of the evidence
before the Magistrate Judge; the Court may not act solely on the basis of a Magistrate
Judge's report and recommendation. See Hill v. Duriron Co., 656 F.2d 1208, 1215 (6th
Cir. 1981). After reviewing the evidence, the Court is free to accept, reject, or modify
the findings or recommendations of the Magistrate Judge. See Lardie v. Birkett, 221 F.
Supp. 2d 806, 807 (E.D. Mich. 2002).
b. Review of an ERISA Denial
A district court reviews an ERISA plan administrator's denial of benefits de novo,
unless the plan gives the administrator discretionary authority to determine eligibility for
benefits. Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 115 (1989); Cox v.
Standard Ins. Co., 585 F.3d 295, 299 (6th Cir. 2009). If the plan gives the administrator
discretionary authority, the Court applies the highly deferential “arbitrary and capricious”
standard of review. Cox, 585 F.3d at 299. “When it is possible to offer a reasoned
explanation, based on the evidence, for a particular outcome, that outcome is not
arbitrary or capricious.” Schwalm v. Guardian Life Ins. Co. of Am., 626 F.3d 299, 308
(6th Cir. 2010) (quoting Shields v. Reader's Digest Ass'n, Inc., 331 F.3d 536, 541 (6th
Cir. 2003)). That is, even where a claimant has introduced evidence that might be
sufficient to support a finding of disability, the decision is neither arbitrary nor capricious
if it is the result of a deliberate, principled reasoning process and is supported by
substantial evidence. Id. Here, as noted in the R&R, the policy contains language
granting discretionary authority to Met Life; therefore, the Court reviews this case under
the highly deferential “arbitrary and capricious” standard.
Plaintiff’s first objection maintains that he was not permitted sufficient time to
develop and appeal his short-term disability claim after Met Life’s denial. Plaintiff avers
he was mistreated during a “traumatic consultation” with psychiatrist Varsha
Karamchandi on March 6, 2014. Approximately two weeks later, on March 20, 2014,
Met Life denied Plaintiff’s short term disability claim. (Doc. 16, Administrative Record
(“AR”) 311-13). This denial stated that Plaintiff had 180 days to appeal the decision or
supplement the record with new evidence. (Id.). Plaintiff claims that Met Life’s appeal
deadline was unreasonable because he was unable to afford medical or psychiatric
services, given that he was unable to earn an income. Accordingly, he claims that Met
Life should have afforded him more time or referred him to a psychiatrist of Met Life’s
The same argument was advanced before the Magistrate Judge and rejected in
the R&R. The Magistrate Judge noted that Plaintiff had until September 2014 to obtain
supplemental medical evidence and appeal Met Life’s denial but that he submitted his
appeal in June 2014 without any additional medical evidence. (See id. at AR 305).
Further, the R&R noted that the record does not reflect that Plaintiff ever attempted to
secure a psychiatrist during this time. To the extent Plaintiff argues that his lack an
income rendered him unable to afford medical care, the plan required him to have
already been under the regular care of a psychiatrist at the time of the alleged onset of
A period of disability starts on the first day you are disabled as a direct
result of a significant change in your physical or mental condition that
occurs while you are covered under this plan. You must be under the
regular care of a physician. (You will not be considered to be under the
regular care of a physician more than 31 days before the date he or she
has seen and treated you in person for the disease or injury that caused
(Id. at AR 7 (emphasis in original)). The plan specifies that “[t]o be under the regular
care of a physician means that you are attended by a physician . . . [w]ho specializes in
psychiatry if your disability is caused to any extent by a mental health or psychiatric
condition . . . .” (Id. at AR 23). Plaintiff last worked on January 12, 2014, and alleged a
disability onset date of January 13, 2014. (Id. at AR 362-64). Plaintiff has supplied no
records indicating that he had been treated by a specialist in psychiatry at the time of
the alleged onset date, which coincided with the time he was employed and earning an
income. Therefore, he is unable to establish disability resulting from anxiety beginning
on the alleged onset date. Furthermore, because it is the plaintiff’s burden to
demonstrate disability and not the administrator’s burden to counter every
unsubstantiated conclusion he asserts, Met Life was under no obligation to refer Plaintiff
to a specialist at its own expense. See Koning v. United of Omaha Life Ins. Co., 627 F.
App’x 425, 440 (6th Cir. 2015) (McKeague, J., concurring). Accordingly, this objection
fails to establish that the Magistrate Judge erred.
Plaintiff’s second objection attempts to illustrate the extended amount of time
necessary to accomplish various tasks – such as finding a new psychiatrist – by citing
certain deadlines imposed on the parties by the Court. Because the Court has already
responded to Plaintiff’s first objection regarding the lack of sufficient time to acquire a
new psychiatrist, it is not necessary to do so again.
Plaintiff’s third and final objection asserts that (i) Met Life’s denial of benefits was
illogical and irrational because it sends Plaintiff back into a hostile work environment,
which was the cause of his psychological disabilities and (ii) Met Life maliciously and
negligently erred by seeking information from psychiatrist Varsha Karamchandani in
spite of Plaintiff’s instructions not to contact her. Firstly, the present claim is not a Title
VII action alleging a hostile work environment. Met Life’s responsibility was simply to
administer the plan in accordance with its terms and to render a determination regarding
Plaintiff’s disability that was supported by a reasoned explanation and substantial
evidence. As concluded in the R&R, Met Life met that obligation. Secondly, the
Magistrate Judge considered Plaintiff’s argument regarding Met Life seeking information
from Dr. Karamchandani. The R&R notes that Plaintiff cites no legal authority requiring
Met Life to seek information only from sources of his choosing. (Doc. 35, p. 11).
Additionally, the R&R observes that Dr. Karamchandani’s alleged mistreatment was
immaterial to Met Life’s ultimate decision, as the denial was based on the overall lack of
medical support and on reports from reviewing medical sources. (Id. at 11-12). Plaintiff
has not specifically identified the source of the Magistrate Judge’s alleged error but
rather merely disagrees with the conclusions. See VanDiver v. Martin, 304 F. Supp. 2d
934, 937 (E.D. Mich. 2004) (“A general objection, or one that merely restates the
arguments previously presented is not sufficient to alert the court to alleged errors on
the part of the magistrate judge. An ‘objection’ that does nothing more than state a
disagreement with a magistrate's suggested resolution . . . is not an ‘objection’ as that
term is used in this context.”). As such, both of Plaintiff’s arguments advanced in his
third objection are unavailing.
For the foregoing reasons, the Court the Court ADOPTS the R&R (Doc. 35),
GRANTS Met Life’s Motion for Summary Judgment (Doc. 27), and DENIES Plaintiff’s
combined motions to stay and for summary judgment (Doc. 30).
IT IS SO ORDERED.
September 16, 2016
s/Marianne O. Battani
MARIANNE O. BATTANI
United States District Judge
CERTIFICATE OF SERVICE
The undersigned certifies that the foregoing Order was served upon counsel of record via the Court's ECF System
to their respective email addresses or First Class U.S. mail to the non-ECF participants on September 16, 2016.
s/ Kay Doaks
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