Egger v. UNUM Life Insurance Company of America

Filing 32

Opinion and ORDER granting 28 Defendant's Motion for Judgment on the Administrative Record; denying 29 Plaintiff's Motion for Summary Judgment on the Administrative Record. Signed by Magistrate Judge Norah McCann King on 9/28/09. (jr)

IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF OHIO EASTERN DIVISION JEFFREY EGGER, Plaintiff, vs. UNUM LIFE INSURANCE COMPANY OF AMERICA, Defendant. OPINION AND ORDER Plaintiff, the son of decedent/insured under a life insurance policy issued to the decedent, asserts claims of breach of contract and breach of fiduciary duty. The parties agree that the policy is Civil Action 2:07-CV-1244 Magistrate Judge King

governed by the Employee Retirement Income Security Act of 1974 ("ERISA"), 29 U.S.C. § 1001, et seq. With the consent of the parties,

28 U.S.C. § 636©, this matter is now before the Court on Defendant's Motion for Judgment on the Administrative Record, Doc. No. 28 ("Defendant's Motion") and Plaintiff's Motion for Summary Judgment on the Administrative Record, Doc. No. 291 ("Plaintiff's Motion"). the reasons set forth below, Defendant's Motion is GRANTED and Plaintiff's Motion is DENIED. I. BACKGROUND For

Although plaintiff characterizes his motion as seeking "summary judgment" on the administrative record, it is more appropriately captioned as simply a motion for judgment on the administrative record. See Univ. Hosps. v. Emerson Elec. Co., 202 F.3d 839, 845 n.2 (6th Cir. 2000) ("[S]ummary judgment generally is an inappropriate mechanism for adjudicating ERISA claims for benefits.") (citing Wilkins v. Baptist Healthcare Sys., Inc., 150 F.3d 609, 617-19 (6th Cir. 1998)). Indeed, Plaintiff's Motion does not refer to the summary judgment standard and the evidence is confined to the administrative record.

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A.

The Policy

Defendant issued an accidental death and dismemberment ("AD&D") policy, policy number CLIGSR17579 ("the Policy"), to policyholder Huntington Bancshares, Inc. ("Huntington"). Doc. No. 15, Administrative Record, The Policy

UACL00419-UACL00410; UACL00372-UACL00369.2

provides for payment of benefits for a covered loss that results from an injury. UACL00416. The Policy defines "injury" as "a bodily

injury that is solely caused by external, violent and accidental means and is independent of any other cause." UACL00416. The Policy

contains certain exclusions, including "any claim for loss that is caused by, contributed to by, or resulting from. . . an attempt to commit or commission of a crime under state or federal law[.]" UACL00412-UACL00413. Decedent, Karen Egger ("decedent"), was a Huntington employee and an insured under the Policy. UACL00448, UACL00445-UACL00443.

Plaintiff, decedent's son, was named as the sole beneficiary of any benefits to which she was entitled under the Policy. UACL00443. $200,000. B. UACL00445-

The Policy carried AD&D benefits in the amount of Id. The Fatal Vehicle Crash

On September 8, 2006, decedent was driving her vehicle ("the vehicle") on West Henderson Road in Perry Township in Franklin County, Ohio. UACL00441. The Traffic Crash Report prepared by the Perry

Township Police Department ("the police") describes what happened while decedent was driving:
The administrative record, which was filed under seal, is batesnumbered UACL00001 through UACL00460.
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[The vehicle was driving] westbound on West Henderson Road just leaving 2 lane[s] down to one lane area. [The vehicle] drives left of center over double yellow lines passing westbound vehicles. [The vehicle] swerves to the right back into the right hand lane to avoid oncoming eastbound traffic. [The vehicle] leaves right side of roadway striking a utility pole with the right side at 3442 West Henderson, continues westbound riding up onto a guardrail on the north side of the roadway. [The vehicle] continues west down an embankment flipping numerous times before striking a utility pole support cable. [The vehicle] continues west striking and driving through a tree and rolling to a final rest on it's [sic] right side in a directly south orientation. UACL00438. At 8:17 a.m., the police received a call regarding decedent's car crash at 3342 West Henderson Road ("the fatal crash" or "the crash"). UACL00436. Police and medical personnel arrived at the scene within Id. Decedent was pronounced dead

eight minutes of the initial call. at 8:27 a.m. Id.

Shortly thereafter, the Perry Township Police Department Accident Investigation Team ("the investigation team") arrived at the scene to investigate. UACL00430. According to the investigation team, the

weather conditions were "clear," with a temperature of 63 degrees and the lighting condition was "daylight." Id. The road conditions were

"dry" and the pavement was "[n]ew [a]sphalt" without any defects. UACL00430-UACL00431. The investigation team found no obstructions to

view and noted that "[h]eavy [t]raffic" was present at the time of the crash. Id. The investigation team determined that decedent was

driving well in excess of the posted 45 mile per hour speed limit when she attempted to navigate a turn while passing other vehicles: [The vehicle was driving] westbound on West Henderson Road passing multiple vehicles over a double yellow line in a left hand curve at an estimated speed in excess of 70 mph. Vehicle drove off right (north) side of roadway at 3342 West Henderson road. Analysis of grass from right side tires 3

indicate brakes were applied at this point. There were no striations or skid marks on asphalt roadway. Vehicle's initial impact on the west side of the property at 3342 W. Henderson to the right side of [the vehicle] causing slight damage. [The vehicle] continued west riding up onto ground imbedded guardrail riding up onto it causing the vehicle to roll over onto it's [sic] right side as it left the guardrail and went down into a steep ravine. Vehicle went airbourne [sic] crossing a small creek and landing on the other side of the creek on the upward bank just to the east of the driveway at 3400 W. Henderson. Vehicle continued west, striking a utility pole hold down wire. Vehicle continued west up an embankment shearing a pine tree in two with an approximately 11" diameter. At this point the vehicle came to it's [sic] final resting position in a directly north south position facing direct south on it's [sic] right side. The driver was in the drivers [sic] seat with her seatbelt on. The vehicle was extensively damaged on each side and the top. [The vehicle] traveled 406.9 feet from the point of leaving the roadway until it's [sic] final rest. Ground analysis shows that the vehicle rolled and flipped numerous times which the witness's [sic] also stated. The driver Karen A. Egger was pronounced dead at the scene at 0827 hours by Eugene Thomas from Columbus Medic #17 from station #11. UACL00430-UACL00429. Three eye witnesses confirmed that the vehicle was traveling "fast" or "extremely fast" when it passed other vehicles during a curve in the road before decedent lost control and hit the guardrail. UACL00434-UACL00432. In light of decedent's actions immediately prior to the crash, the police concluded that decedent had violated O.R.C. § 4511.31, which requires an operator of a vehicle to obey roadway signs or markings that are labeled as no-passing zones. UACL00441. In

addition, the police concluded that decedent's "operating [the] vehicle in [an] erratic, reckless, careless, negligent or aggressive manner" was a contributing factor in the fatal crash on September 8,

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2006.

UACL00440.3 C. The Claims Process

On January 29, 2007, Huntington submitted a claim on plaintiff's behalf for proceeds of the Policy. UACL00442-UACL00448. On February

2, 2007, Carol Dunham, defendant's "Life Benefits Specialist" contacted plaintiff to advise that his claim had been received and that he would be notified as soon as review of the claim was complete. UACL00402-UACL00403. On February 5, 2007, Ms. Dunham contacted

another employee for defendant, Donna Sparks, and "recommend[ed] payment of [the] claim". UACL00390. The same day, Ms. Dunham called

plaintiff "to determine if he wants survivor support in lump sum or payments." UACL00393. Id. Plaintiff did not answer his telephone and no

message was left.

The next day, Ms. Sparks responded to Ms. Dunham's recommendation, questioning whether payment was appropriate: Per the police report she [decedent] was driving 30 miles over the posted speed limit 75 in a 45 zone. The police report attrbutes [sic] the accident to erratic, negligent, careless driving. What about the crime exclusion? UACL00390. Thereafter, Ms. Sparks recommended referring the matter to

Huntington's legal department "for opinion regarding crime exclusion and insuring clause arguement [sic]." UACL00389. On February 22,

2007, this matter was addressed during a roundtable review. UACL00451. On February 23, 2007, Ms. Dunham spoke with plaintiff, advising him that the claim was not payable and that he would receive a letter

A more legible copy of this page of the Traffic Crash Report is attached as page 2 of Attachment C to the Amended Complaint, Doc. No. 18.

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explaining the reasons for the decision and the appeals provision. UACL00375. D. Defendant's Denial of Plaintiff's Claim

In a letter dated February 27, 2007, defendant formally notified plaintiff that his claim had been denied for two reasons. UACL00372. UACL00369-

First, defendant determined that decedent's death was not

covered by the Policy's definition of "injury," which is defined as "a bodily injury that is solely caused by external, violent and accidental means and is independent of any other cause." UACL00372. UACL00371-

Defendant, relying on the Traffic Crash Report, explained

that decedent's death "was caused by or contributed to by her erratic and reckless driving," which included speeding and crossing a double yellow line to pass cars while negotiating a curve. UACL00371. Defendant therefore concluded that the death "is not a covered loss under the policy because the loss was not solely caused by external, violent and accidental means and independent of any other cause as the above policy language requires." Id. Defendant further explained

that decedent's reckless driving rendered the "subsequent fatal crash foreseeable and, therefore, outside the accidental policy scope of coverage." Id.

Second, defendant determined that even if decedent's death could be characterized as an "injury" within the meaning of the Policy, the loss would still be excluded from coverage. Id. The Policy

"specifically excludes coverage for losses caused by, contributed to by, or resulting from an attempt to commit or commission of a crime under state or federal law." Id. Defendant explained that this

exclusion applied because the police reported that decedent violated 6

O.R.C. § 4511.31, which states that every operator of a vehicle shall obey the directions of the road signs or ma[r]king indicating those portion[s] of any state highway where overtaking and passing other traffic or driving to the left of the center or center line of the roadway would be especially hazardous, as determined by safety of persons or property. Id. (quoting O.R.C. § 4511.31) (internal quotation marks omitted).4 Defendant further determined that decedent violated O.R.C. § 4511.20, which provides that "no person shall operate a vehicle on any street or highway in wilful or wanton disregard of the safety or [sic] persons or property." Id. (quoting O.R.C. § 4511.20) (internal Defendant took the position that, because

quotation marks omitted).

of decedent's careless and reckless driving, she violated one or both of these statutes. Id. Defendant therefore concluded that the crime Id.

exclusion applied and that death benefits were not payable.

In the same letter, defendant notified plaintiff that if he wished to appeal the denial of the claim, he must file a written appeal, which must be received by defendant "within 90 days after you [plaintiff] receive the notice of denial." UACL00370. Defendant

specifically advised plaintiff that "[i]f we do not receive your written appeal within 90 days after you receive the notice of denial, our claim determination will be final." UACL00369.

E.

Plaintiff's Attempts to Appeal Defendant's Decision

On June 15, 2007, plaintiff, through counsel, made a "policy

The Court notes that this statute was revised effective September 21, 2006. O.R.C. § 4511.31. Although the current version of this statute contains wording different than the version in effect at the time of the fatal crash, the versions are substantively the same.

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limit demand together with accrued interest and ask[ed] that payment be made as soon as possible." letter on June 17, 2007. UACL00358. Defendant received this

UACL00353.

After confirming that plaintiff

intended to appeal the denial, defendant responded that plaintiff's appeal was untimely, as it had been received after the 90-day appeals deadline. UACL00356-UACL00357, UACL00353. Defendant therefore

advised that "we regret that we cannot review Karen Egger's claim and the original decision on the claim must stand." UACL00353.

On July 3, 2007, plaintiff's counsel acknowledged receipt of defendant's response and advised that plaintiff would be sending medical records, affidavits, articles and an explanation as to why payment should be made. UACL00349. Plaintiff's counsel further

advised that if payment was not made, plaintiff "would be forced to file a lawsuit to compel payment on the accidental death policy of $200,000, plus ten percent for the seatbelt being used." Id.

On August 30, 2007, plaintiff's counsel argued that defendant's decision to deny benefits was erroneous for a variety of reasons and attached several documents in support. UACL00338-UACL00343. In

particular, plaintiff's counsel suggested that decedent did not voluntarily drive her car erratically at a high speed, that she was not suicidal and that "her inability to control the vehicle was an unexplained, unexpected and unforeseeable circumstance." UACL00340. On September 5, 2007, defendant responded that the request for an appeal dated June 15, 2007 was untimely and that it would not review decedent's file. F. UACL00072. UACL00338-

The Instant Litigation 8

On October 31, 2007, plaintiff filed his initial complaint in the Court of Common Pleas for Franklin County, Ohio. 1-3. Complaint, Doc. No.

On December 10, 2007, defendant removed the action to this Court Notice of

as one arising under federal law, 28 U.S.C. § 1331. Removal, Doc. No. 1.

Subsequently, plaintiff filed the Amended

Complaint, asserting claims of breach of contract and breach of fiduciary duty. The parties have moved for judgment on the

administrative record and this matter is ripe for resolution. II. STANDARD OF REVIEW The parties agree that the Policy is governed by ERISA. A

challenge to an ERISA plan's denial of benefits is reviewed under a de novo standard of review "unless the plan provides to the contrary." Metro. Life Ins. Co. v. Glenn, _ U.S. _, 128 S.Ct. 2343, 2348 (2008). "Where the plan provides to the contrary by granting `the administrator or fiduciary discretionary authority to determine eligibility for benefits,' Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 115 (1989), `[t]rust principles make a deferential standard of review appropriate[.]'" (1989)) (emphasis added). Id. (quoting Firestone, 489 U.S. at 111 This deferential standard is the arbitrary See, e.g., McCartha v. Nat'l City

and capricious standard of review.

Corp., 419 F.3d 437, 441 (6th Cir. 2005). The parties in this action disagree as to the appropriate applicable standard of review. Plaintiff argues, inter alia, that a

conflict of interest exists because defendant acted as both the insurer and plan administrator. Plaintiff's Motion, p. 8. Because of

this conflict of interest, plaintiff contends that the burden "shifted

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to [defendant] UNUM to prove to this court that its denial [of benefits] is not tainted by self interest." Id. Defendant, however,

argues that this Court should apply the arbitrary and capricious standard of review. Defendant's Motion, pp. 7-8. In this case, the Policy

Defendant's argument is well-taken.

provides that, "[w]hen making a benefit determination under this policy, UNUM has discretionary authority to determine the Insured's eligibility for benefits." UACL00419. Because defendant has

discretionary authority, the arbitrary and capricious standard of review applies. See Metro. Life Ins. Co., 128 S.Ct. at 2348. This

standard "`is the least demanding form of judicial review of administrative action. . . . When it is possible to offer a reasoned explanation, based on the evidence, for a particular outcome, that outcome is not arbitrary and capricious.'" Evans v. UnumProvident

Corp., 434 F.3d 866, 876 (6th Cir. 2006) (quoting Perry v. United Food & Commercial Workers Dist. Unions, 405 & 442, 64 F.3d 238, 241 (6th Cir. 1995)). Stated differently, "the Court must decide whether the

plan administrator's decision was `rational in light of the plan's provisions.'" Williams v. Int'l Paper Co., 227 F.3d 706, 712 (6th

Cir. 2000) (quoting Daniel v. Eaton Corp., 839 F.2d 263, 267 (6th Cir. 1988)). An administrator's decision will be upheld "`if it is the

result of a deliberate principled reasoning process, and if it is supported by substantial evidence.'" Evans, 434 F.3d at 876 (quoting

Baker v. United Mine Workers of America Health & Retirement Funds, 929 F.2d 1140, 1144 (6th Cir. 1991)). However, the arbitrary and

capricious standard does not require a court to merely rubber stamp the administrator's decision; instead, a court "must exercise review 10

powers." 2004).

Jones v. Metro. Life Ins. Co., 385 F.3d 654, 661 (6th Cir.

The scope of the district court's review of "the denial of benefits is limited to the administrative record available to the plan administrators when the final decision was made." Marks v. Newcourt

Credit Group, Inc., 342 F.3d 444, 457 (6th Cir. 2003); Wilkins v. Baptist Healthcare Sys., 150 F.3d 609, 615 (6th Cir. 1998). In

reviewing the record and the administrator's determination, the Court will also take into consideration the fact that defendant is acting under a potential conflict of interest because it is both the decision-maker, determining which claims are covered, and the payor of those claims. See Defendant's Motion, p. 8; Metro. Life Ins. Co., 128 However, "conflicts are but one factor among many Metro. Life Ins. Co.,

S.Ct. at 2350-51.

that a reviewing judge must take into account." at 2351.

The weight that a conflict of interest should receive is Id.

determined by case-specific factors. III. DISCUSSION

Defendant based its denial of benefits on two separate provisions of the Policy. First, decedent's death was not a covered "injury"

under the Policy "because the loss was not solely caused by external, violent and accidental means and independent of any other cause[.]" UACL00371. Second, even if the loss could be characterized as a

covered "injury," the claim would still be denied because the Policy's crime exclusion applied. Id.

The Court must decide whether this decision was arbitrary and capricious and thus should be overturned. Based on the administrative

record, and applying the deferential standard of review, the Court 11

concludes that defendant did not act arbitrarily or capriciously in denying plaintiff's claim for benefits. A. Breach of Contract 1. Injury caused by "accidental means" and "independent of any other cause"

As discussed supra, the Policy defines "injury" as "a bodily injury that is solely caused by external, violent and accidental means and is independent of any other cause." a. UACL00416.

Whether decedent's death was "accidental"

The parties disagree whether decedent's death was "accidental" within the meaning of the Policy. Plaintiff's Motion, pp. 9-12. the term "accidental." Defendant's Motion, pp. 9-12;

The Policy does not specifically define Courts refer to federal Cf.,

UACL00410-UACL00419.

common law when an ERISA plan does not define a particular term. Jones, 385 F.3d at 664.

See also Kovach v. Zurich Am. Ins. Co., No.

1:07-2584, 2008 U.S. Dist. LEXIS 104605, at *14 (N.D. Ohio Sept. 30, 2008). The Sixth Circuit has acknowledged that "several federal

courts `reviewing ERISA cases have recognized that foreseeable harm resulting from an insured's intentional actions is not accidental.'" Lennon v. Metro. Life Ins. Co., 504 F.3d 617, 622 (6th Cir. 2007) (quoting Cates v. Metro. Life Ins. Co., 14 F. Supp.2d 1024, 1027 (E.D. Tenn. 1996), aff'd by Cates v. Metro. Life Ins. Co., No. 96-6600, 1998 U.S. App. LEXIS 14975 (6th Cir. June 30, 1998)). See also Jones, 385

F.3d at 665 (finding evidence of an accidental injury where insured presented evidence that injury was neither subjectively expected nor objectively foreseeable); Cates, 1998 U.S. App. LEXIS 14975, at *7-8 (affirming grant of summary judgment where "`act of driving while so 12

impaired5 rendered the infliction of [serious] injury or death reasonably foreseeable and, hence, not accidental as contemplated by the plan" was not irrational in light of the plan's provisions); Kovach, 2008 U.S. Dist. LEXIS 104605, at *15 ("The Court finds that it was not arbitrary and capricious for Defendant to rely on decisions within the Sixth Circuit applying a reasonably foreseeable test [to define "accident"]."). Therefore, where an insured's "conduct

constituted reckless and entirely unwarranted risk to himself, it [is] not arbitrary and capricious for [a plan administrator] to treat the injury as nonaccidental under the terms of its policy." F.3d at 624. Here, defendant interpreted "accidental" to exclude from coverage "losses that are the direct and foreseeable consequence of the insured's actions." UACL00371. As discussed supra, this See also Lennon, 504

interpretation is consistent with Sixth Circuit authority.

Moos v. Square D Co., 72 F.3d 39, 42 (6th Cir. 1995) ("[Courts] grant plan administrators who are vested with discretion in determining eligibility for benefits great leeway in interpreting ambiguous terms."). In reaching the determination that the death was not

"accidental," defendant relied upon evidence referred to by law enforcement officials that established the circumstances surrounding decedent's fatal crash. UACL00371. Defendant noted that the weather

conditions were "clear," the road conditions were "dry" and the

5 This Court sees no reason to distinguish cases where the beneficiary or insured was driving while intoxicated. Drunk driving creates the risk that the impaired driver will drive erratically or recklessly and create unreasonable risks to the impaired driver and others on the road. Here, decedent drove in a dangerous and erratic manner even though she was not intoxicated.

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lighting conditions were "good."

Id.

Decedent was driving in excess Id. While speeding 30

of 70 miles per hour in a no passing zone.

miles per hour over the posted speed limit, decedent attempted to pass other vehicles in heavy traffic while negotiating a curve in the road. Id. Decedent drove left of center before swinging back into her lane,

left the road, hit a guardrail, rolled the vehicle and struck a utility pole and tree. Id. Defendant noted that the police reported

that decedent's "reckless" and "negligent" driving caused, or contributed to, her death. Id. Based on these police findings,

defendant determined that decedent's fatal accident was "foreseeable and, therefore, outside the accidental policy scope of coverage." Id.

Applying a deferential standard of review, the Court cannot say that defendant's determination was arbitrary and capricious. The

Court agrees that it is reasonably foreseeable that a fatal crash may result when a driver is speeding in excess of 70 miles per hour around a turn while trying to pass other vehicles in a no passing zone with heavy traffic. UACL00371, UACL00429-UACL00431, UACL00438, UACL00440.

Decedent's driving was reckless and created an unwarranted risk to herself and to other drivers. Lennon, 504 F.3d at 624. Accordingly,

defendant's conclusion was reasonable and rational in light of the Policy's provisions. b. Id. See also Williams, 227 F.3d at 712.

Whether decedent's death was "independent of any other cause"

Similarly, the Court agrees that, based on the record above, decedent's death was not "independent of any other cause" as required by the Policy. UACL00416. The Traffic Crash Report specifically

concluded that decedent's erratic and reckless driving caused, or 14

contributed to, her death.

UACL00440.

Defendant's reliance on this

conclusion, particularly in light of other details contained in the Traffic Crash Report and in the investigation team's findings, was rational. Accordingly, because defendant reasonably concluded that

decedent's death was not "accidental" or "independent of any other cause" within the meaning of the Policy, the Court cannot say that defendant's denial of benefits was arbitrary or capricious. Plaintiff's arguments do not change this result. First,

plaintiff argues that defendant was in a "perpetual conflict of interest" and the burden therefore shifted to defendant to prove that its denial of the claim "is not tainted with self interest." Plaintiff's Motion, p. 8. To the extent that plaintiff argues that

the burden shifted to defendant, this argument is without merit for the reasons discussed supra; the deferential arbitrary and capricious standard applies. Here, defendant functioned under a conflict of

interest, but this conflict is but one of many factors for this Court to consider. See Metro. Life Ins. Co., 128 S.Ct. at 2351. A conflict

of interest should prove more important "where circumstances suggest a higher likelihood that it affected the benefits decision, including, but not limited to, cases where an insurance company administrator has a history of biased claims administration." S.Ct. at 2351. Metro. Life Ins. Co., 128

Other cases have noted that this defendant has a See, e.g., id. at

history of erroneous and arbitrary benefit denials.

2354-55 (Roberts, J., concurring) (citing Radford Trust v. First Unum Life Ins. Co., 321 F. Supp.2d 226, 247 (D. Mass. 2004)). Even

assigning a proper weight to this conflict of interest, however, the Court is not persuaded that defendant's decision in this case was 15

arbitrary or capricious.

Plaintiff suggests that self-dealing existed

because Ms. Dunham initially decided that his claim should be paid, but that this decision was reversed after the matter had been referred to the legal department for a roundtable discussion. Motion, pp. 2-3. This Court disagrees. Plaintiff's

The record reflects that

after less than a week of review, one analyst, Ms. Dunham, concluded that the claim should be paid. UACL00442-UACL00448. UACL00390, UACL00402-UACL00403,

The fact that another analyst, Ms. Sparks,

suggested that the legal department review the claim because she questioned the propriety of the claim does not establish that a conflict of interest played any role whatsoever in defendant's decision. UACL00389-UACL00390. This is particularly so where, as

discussed supra, defendant's determination was rational in light of the police findings and the Policy. Second, plaintiff complains that defendant "refused" to review "over 300 pages of affidavits, medical records, etc." because these materials were submitted after "a fictitious `90-day appeal period.'" Plaintiff's Motion, pp. 3-4, 7, 16. More specifically, plaintiff

complains that "no contract or `plan summary' in this case contains a `90-day appeal' limitation." Id. at 7. This Court disagrees. The

summary of the Policy provides the following: Claims Review Procedure [I]f you or your beneficiary desire further review [after a denial], here are the steps you should follow: 1. You may file a written request for reconsideration with the insurance company within 60 days after you receive notice of the denial of the claim. During the period your request is pending (including the 60 days you have to file for reconsideration), you may review the appropriate plan documents and submit issues and 16

comments to the insurance company. UACL00028. In its letter denying plaintiff's claim, defendant

specifically advised plaintiff that if he wished to appeal a denied claim, defendant "must receive this appeal within 90 days after you receive the notice of denial." UACL00370. See also UACL00369. Based

on this record, not only did the summary provide a deadline for filing appeals, but defendant provided plaintiff with an additional thirty days to appeal the February 27, 2007 decision. to ERISA. See 29 C.F.R. § 2560.503-1(h)(2)(I).6 This deadline conforms Cf. Dietelbach v.

Ohio Edison Co., No. 02-3422, 76 Fed. Appx. 84 (6th Cir. Sept. 19, 2003) (affirming trial court's judgment in favor of insurer where insured failed to appeal benefits denial within 90 days, as was required by the plan). Plaintiff cites to no contrary authority

suggesting that the appeal deadline in this case was improper. Instead, plaintiff argues that the 60-day deadline referred to in the summary contrasted with the 90-day deadline referred to in the letter denying benefits "creates a state of confusion for the grieving beneficiary." Plaintiff's Response to Defendant's Motion for Summary To the extent

Judgment, Doc. No. 31 ("Plaintiff's Response"), p. 4.
6

This section provides, in pertinent part:

(h) Appeal of adverse benefit determinations. . . .
(2) Full and fair review. Except as provided in paragraphs (h)(3) and (h)(4) of this section, the claims procedures of a plan will not be deemed to provide a claimant with a reasonable opportunity for a full and fair review of a claim and adverse benefit determination unless the claims procedures-(I) Provide claimants at least 60 days following receipt of a notification of an adverse benefit determination within which to appeal the determination[.] 29 C.F.R. 2560.503-1(h)(2)(I).

17

that plaintiff suggests that his confusion over the actual deadline caused him to miss the appeals deadline, this argument is without merit. There is no dispute that plaintiff failed to file an appeal UACL00358. Indeed, plaintiff

within the specified appeals period.

admits that he "was only ten days late submitting a request for appeal." Plaintiff's Response, p.4 (emphasis added). Therefore,

based on plaintiff's own admission, he missed both deadlines regardless of whether he thought it was a 60-day deadline or a 90-day deadline. Based on this record, it was not arbitrary or capricious for defendant to refuse to consider materials submitted by plaintiff on August 30, 2007, months after the appeals deadline had passed.7 UACL00338-UACL00343. Finally, plaintiff asks, "[i]f the courts ordered UNUM to pay death benefits to the Critchlow family for the death of the 32 year old male Critchlow who died during an intentional act of `autoerotic asphyxiation,'. . . how can any court allow Defendant" to deny plaintiff's claim? Plaintiff's Motion, p. 11 (citing Critchlow v.

This material included medical records that, defendant argues, actually support its decision. Defendant's Brief in Opposition to Plaintiff's Motion for Judgment on the Administrative Record, Doc. No. 30 ("Defendant's Opposition"), pp. 4-5. Specifically, the records establish that, in the weeks leading up to decedent's crash, a physician had warned plaintiff not drive without further testing. Id. (citing UACL00178, UACL00259, UACL00312). Decedent's decision to drive in defiance of her doctor's order further supports defendant's conclusion that the crash was reasonably foreseeable. In addition, plaintiff attaches questionnaire responses completed by people who knew decedent and who stated that decedent had manifested no suicidal ideation. UACL00328-UACL00337. This information is absolutely irrelevant because defendant did not premise its denial of benefits on a suicide exclusion. Finally, plaintiff complains that defendant refused to consider the autopsy report, Plaintiff's Motion, pp. 8, 11-12, 17, arguing that a low blood sugar level rendered decedent "nearly comatose." Id. Defendant correctly points out that plaintiff offers nothing other than his own speculation that decedent was "nearly comatose," which is wholly inadequate to establish that defendant's decision was arbitrary or capricious.

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First UNUM Life Ins. Co. of Am., 378 F.3d 246 (2d Cir. 2004)); Plaintiff's Response, p. 5 (same). Critchlow is distinguishable. that case, the court engaged in de novo review, whereas the deferential arbitrary and capricious standard applies to this case. Therefore, the Court concludes that defendant's decision to deny benefits because decedent did not suffer an "injury" within the meaning of the Policy was neither arbitrary nor capricious. 2. The Policy's Crime Exclusion In

Because it was not arbitrary and capricious for defendant to find that decedent's death was not a covered "injury" within the meaning of the Policy, the Court need not reach defendant's argument that the Policy's crime exclusion applied. B. Breach of Fiduciary Duty

Plaintiff also asserts a claim for breach of fiduciary duty. Defendant argues that, because an adequate remedy already exists for his claim for benefits, plaintiff's alternative claim for breach of fiduciary duty cannot proceed. This Court agrees. Defendant's Motion, p. 16.

ERISA provides that a participant or

beneficiary may bring a civil action to recover benefits, enforce rights under a plan or obtain other equitable relief. 1132(a)(3). 29 U.S.C. §

However, the Supreme Court "clearly limited the

applicability of § 1132(a)(3) to beneficiaries who may not avail themselves of § 1132's other remedies. Wilkins v. Baptist Healthcare

Sys., Inc., 150 F.3d 609, 615 (6th Cir. 1998) (citing Varity Corp. v. Howe, 516 U.S. 489, 512 (1996)). Therefore, where § 1132 provides a

remedy for an alleged injury that allows a participant or beneficiary

19

to challenge a denial of benefits, "he does not have a right to a cause of action for breach of fiduciary duty pursuant to 1132(a)(3)." Id. at 614-15. §

To permit otherwise would allow "ERISA

claimants to simply characterize a denial of benefits as a breach of fiduciary duty." Id. at 616.

However, "under some circumstances an ERISA plaintiff may simultaneously bring claims under both § 1132(a)(1)(b) and § 1132(a)(3)." Gore v. El Paso Energy Corp. Long Term Disability Plan, Hill v. Blue Cross and Blue The Sixth Circuit has

477 F.3d 833, 839 (6th Cir. 2007) (citing

Shield of Mich., 409 F.3d 710 (6th Cir. 2005)).

permitted such simultaneous claims where a benefits award would not provide complete relief to the claimant or where the claim could not have been characterized as a denial of benefits claim. F.3d at 717-18; Gore, 477 F.3d at 841-42. In the case sub judice, there is nothing before the Court to suggest that plaintiff's breach of fiduciary duty claim is anything other than an alternative articulation of plaintiff's claim for denial of benefits. without merit. Accordingly, his claim for breach of fiduciary duty is See Wilkins, Inc., 150 F.3d at 614-16. See Hill, 409

WHEREUPON, Defendant's Motion for Judgment on the Administrative Record, Doc. No. 28, is GRANTED and Plaintiff's Motion for Summary Judgment on the Administrative Record, Doc. No. 29, is DENIED. The Clerk shall enter judgment in favor of defendant.

September 28, 2009

s/Norah McCann King Norah McCann King 20

United States Magistrate Judge

21