Advanced Physicians SC v. Connecticut General Life Insurance Company et al

Filing 247

MEMORANDUM OPINION AND ORDER: Cigna's 218 motion for summary judgment is GRANTED, Advanced's 220 motion for summary judgment is DENIED, and Cigna's 235 motion to strike is GRANTED IN PART and DENIED IN PART as moot. (Ordered by Senior Judge A. Joe Fish on 7/8/2021) (mla)

UNITED STATES DISTRICT COURT
NORTHERN DISTRICT OF TEXAS
DALLAS DIVISION

ADVANCED PHYSICIANS, S.C.,
Plaintiff,
VS.
CONNECTICUT GENERAL LIFE
INSURANCE COMPANY; CIGNA
HEALTH AND LIFE INSURANCE
COMPANY; CIGNA HEALTHCARE
MANAGEMENT, INC.; GREAT-WEST
HEALTHCARE-CIGNA and NFL
PLAYER INSURANCE PLAN,
Defendants.

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CIVIL ACTION NO.
3:16-CV-2355-G

MEMORANDUM OPINION AND ORDER
Before the court are the cross-motions for summary judgment of the plaintiff
Advanced Physicians, S.C. (“Advanced”) (docket entry 220) and the defendants
Connecticut General Life Insurance Company, Cigna Health and Life Insurance
Company, Cigna Healthcare Management, Inc., and Great-West Healthcare-Cigna
(collectively “Cigna”), and NFL Player Insurance Plan (the “Plan”) (docket entry
218), as well as the defendants’ motion to strike portions of Advanced’s summary
judgment evidence (docket entry 235). For the reasons set forth herein, Advanced’s
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motion for summary judgment is denied, Cigna’s motion for summary judgment is
granted, and Cigna’s motion to strike is granted in part and denied in part as moot.
I. BACKGROUND
A. Factual Background
1. The Parties
The plaintiff, Advanced, is a Chicago area medical clinic that employs medical
doctors, chiropractors, and physical therapists, offering diagnostic and treatment
services to patients. See Advanced’s Appendix at 2, ¶ 5 (docket entry 231); Brief in
Support of Defendants’ Motion for Summary Judgment (“Cigna’s Motion”) (docket
entry 227) at 2. Advanced began treating retired National Football League (“NFL”)
players in 2007. Advanced’s Appendix at 3, ¶ 8. As of the date of these cross-filings,
Advanced has treated over 180 retired NFL players. See Cigna’s Motion at 15.
The NFL Player Insurance Plan is an employee benefit plan governed by the
Employee Retirement Income Security Act (“ERISA”), providing medical benefits to
current and former NFL players (“Participants”). See Cigna’s Motion at 2;
Advanced’s Brief in Support of Summary Judgment (“Advanced’s Motion”) (docket
entry 230) at 5. The Plan is funded by the NFL Players Insurance Plan Trust, which
is in turn funded by NFL member clubs. See Advanced’s Appendix at 55, ¶ 1.86;
Cigna’s Appendix at 16 (docket entry 228). The Plan authorizes the appointment of
a plan administrator to administer plan benefits. See Advanced’s Appendix at 46, ¶

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1.1. The Plan also authorizes participants to assign their claims to health care
providers who may then make claims directly to the Plan. See Cigna’s Motion at 4.
Many retired NFL players have assigned their claims to Advanced, and Advanced
now seeks payment for those services via this suit.
Connecticut General Life Insurance Company was the first designated
administrator of the plan. See Advanced’s Motion at 5. That responsibility was later
assigned to Cigna, which remains the plan administrator. See id. at 5-6. Among
other responsibilities, Cigna processes claims for benefits submitted under the Plan.
See Cigna’s Motion at 2; Advanced’s Motion at 5-6.
2. Plan Details and Procedures
Pursuant to Department of Labor regulations, participants in the plan are
given a Summary Plan Description (“SPD”) explaining and summarizing benefits,
coverage, and plan administration. See Cigna’s Appendix at 7; Advanced’s Appendix
at 354. Both Advanced and Cigna cite the SPD and refer to it as the Plan.
The SPD explains what the Plan does not cover, including “charges for an
Injury resulting from your employment or occupation.” Advanced’s Appendix at 397.
Occupational injury is defined as “an accidental bodily injury which arises from, or is
complicated by, any employment or occupation for compensation or profit.” Cigna’s
Appendix at 852. The Plan further states “[a] Covered Medical Expense shall mean
any of the charges listed below . . . but only if such charges are Medically Necessary

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and are not incurred in connection with an Occupational Disease or an Occupational
Injury.” Id. at 864. The Plan also states “[t]he Trustees will have full and absolute
discretion, authority and power to interpret, control, implement, and manage the
Plan and the Trust. Such authority includes . . . the power to: . . . Delegate its power
and duties to other persons . . . including . . . professional plan administrators . . . .”
Id. at 877-78. “[T]he Claims Administrator shall be a Plan fiduciary with full
discretionary authority to interpret the Plan and resolve all questions, including
questions of fact.” Id. at 878. Thus, the power to determine whether claims were
being made for occupational injuries–and ultimately whether a claim is payable–was
delegated to Cigna.
In order to receive benefits under the plan, participants submit claims to Cigna
and, unless otherwise specified, reimbursement for the service charge is paid directly
to the participant.1 See Advanced’s Appendix at 422; Cigna’s Motion at 4. Cigna
processes the claim and sends the participant an Explanation of Benefits (“EOB”)
explaining whether the claim was paid, the reason for any non-payment, and other
related information. See Cigna’s Appendix at 411; Advanced’s Appendix at 424.
Similarly, health care providers (such as Advanced) are given an Explanation of
Payment (“EOP”) which explains a provider’s review and appeal rights. See Cigna’s

1

If the participant assigned the claim to the service provider, then the
provider would submit the claim for payment to Cigna directly, as was done in this
case.
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Appendix at 431-438. The EOBs, EOPs, as well as the SPD, include information
about appeal rights and procedures. See id. at 411-14. The “rights of review and
appeal-for physician or health care provider” section of the EOP states “[i]f you have
questions or disagree with the payment identified on this Explanation of Medical
Payment Report, you may ask to have it reviewed.” Id. at 437. The EOPs also
contain a “rights of review and appeal - for employee” section, further explaining how
to appeal a claim denial. Id. The EOPs reference the EOBs and SPD for specific
appeal procedures. See id. It appears undisputed that Advanced never received the
SPD directly from Cigna. See Advanced’s Motion at 26-28; Brief in Opposition to
Plaintiff’s Motion for Summary Judgment (“Cigna’s Response”) (docket entry 239) at
11-12.
Participants may appeal claim denials and adverse claim determinations.
Advanced’s Appendix at 425. Appeals “must be received by the appropriate Cigna
entity within 180 days of receipt of the denial notice.” Id. According to the SPD,
appeals are “reviewed and the decision made by someone not involved in the initial
decision. Appeals involving a determination of Medically Necessary or clinical
appropriateness will be considered by a health care professional.” Id. The Plan also
provides for a second level of review if the initial determination is upheld but involves
medical judgment: “[i]f you are not fully satisfied with the decision and the appeal
involves medical judgment, you may request that your appeal be referred to an

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Independent Review Organization (‘IRO’).” Id. at 426. If the benefit determination
on appeal is adverse, the participant is provided with a notice that includes the
reasons for the adverse determination as well as information about the participant’s
“right to bring an action under ERISA section 502(a).” Id. Participants must exhaust
all administrative remedies available under the plan before filing a suit in federal
court. See id. at 429-30.
3. Advanced’s Claims Under the Plan and Chronology of Events
Advanced began treating retired NFL players in 2007. See Advanced’s Motion
at 5; Cigna’s Motion at 8. In August, 2014, one of Cigna’s account representatives,
Patrick Gilroy (“Gilroy”), referred claims from Advanced to Cigna’s Special
Investigation Unit (“SIU”) because of what he believed were unusual practices,
specifically a large amount of medical imaging. See Advanced’s Appendix at 534;
Cigna’s Motion at 8. The SIU opened an investigation into Advanced on August 21,
2014. Advanced’s Appendix at 534. Sean Petree (“Petree”) was assigned as the
investigator. See id. at 532.
The case was originally referred to the SIU on suspicion that Advanced was
billing for unnecessary medical imaging. Petree, along with another investigator,
Angelica Branon (“Branon”), began the investigation and analysis on that basis. See
Cigna’s Appendix at 462. Between December 2014 and February 2015, Petree and
Branon reviewed Advanced’s billing records and the medical records of a small

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sampling of patients. See id. On January 14, 2015, Branon noted in a “Pre-Case
Investigative Summary of Findings” that, on the basis of her analysis, she
recommended closing the case. See id. In that same note, however, she
acknowledged that the data she reviewed “showed the NFL as the client with the
highest amount paid.” See id. Petree also conducted his own data queries in order to
“determine if [Advanced] may be targeting a specific account.” Id. at 1571. Petree
concluded that “an abnormally high percentage of this provider’s exposure was due to
one account, in this particular case the NFL.” Id.
On January 20, 2015, Petree and Branon held a meeting with Kate Shaker
(“Shaker”), an employee of Health Care Fraud Shield (“HCFS”). The case was left
open in part because Shaker agreed with Petree and Branon that Advanced was
billing for an unusually high number of MRIs and x-rays per day of service. See id. at
462. Petree and Branon decided to have HCFS review the medical records. See id.
On February 23, 2015, Petree emailed his superior, Aneta Andros, stating in
part “I reviewed the medical records for [Advanced] and found that they were quite
comprehensive . . . The number of x-rays and MRI’s ordered still looks very excessive
. . . The vast majority of [Advanced’s] exposure is due to the NFL, however these
records appear to document (and potentially justify) each of the diagnostic services
billed.” Advanced’s Appendix at 537.
HCFS delivered its review of Advanced’s records in April 2015. See Cigna’s

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Appendix at 461, 464-65. In the report, HCFS noted, among other observations,
that the injuries treated by Advanced “occurred while playing college and professional
contact sports and are considered chronic, not acute.” Id. at 464. This conclusion
was based on the patients not “hav[ing] recent or significantly increased symptoms,”
and “neither medical record documents ‘worsening’ symptoms, or new injuries, again
demonstrating chronic conditions.” Id. The HCFS report also noted “[t]here are no
documented ‘course of action’ or future treatment in any medical record, following
the multiple tests.” Id.
After receiving the report, Petree documented some of his “primary concerns,”
such as Advanced’s treatment of chronic rather than new conditions, Advanced’s
“excessive” medical imaging, and no documentation for future treatment. See Cigna’s
Appendix at 461. Petree also documented that 87.2% of the plan participants
Advanced saw did not reside in Illinois and that Advanced was providing the
participants with disability ratings. See id. Based on this information, Petree made
the following note: “Because many customers are former and/or current players, it is
possible that they may seek out Advanced Physicians to receive a physician label of
disabled.” Id. From that point forward, it appears Petree suspected that participants
were visiting Advanced to obtain a disability rating based on work-related injuries to
support a claim for work-related disability benefits under another NFL plan.
In May 2015, the Advanced investigation was transferred to a different SIU

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investigator, Greta Matus (“Matus”). See id. at 460, 1510-11. Around that time,
Matus documented a discussion she had with Petree, noting “[t]here definitely may
be an angle involving work related injuries which would not support billed services
and charges . . . .” Id. at 460. On May 18, 2015, Cigna placed all claims made by
Advanced under a new protocol whereby its claims were flagged and routed to the
SIU. See id. at 460, 1563-64.
In either late May or early June of 2015, Cigna requested and received from
Advanced the medical records of an additional thirty-six retired NFL players
treated by Advanced. See id. at 459; Advanced’s Motion at 13. The SIU had a
Cigna medical director and physician, Dr. Daniel Nicoll (“Nicoll”), review the records
to assess both medical necessity and the possibility that Advanced was treating workrelated injuries. See id. at 1539-46; Advanced’s Appendix at 555. In an email to
Nicoll on July 17, 2015, Matus stated “in all 36 records, that diagnostic services are
being sought for ‘. . . multiple injuries in the past while playing football causing
chronic pain.’ I do not believe that such a vague statement would substantiate an
exclusion citing work related injuries . . . However, I would like your opinion on that
aspect in addition to your clinical opinion.” Advanced’s Appendix at 553-54. After
reviewing the records, Nicoll suspected that Advanced was in fact treating retired

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players for work-related injuries. See Cigna’s Appendix at 1544-46.2 On July 24,
2015, Nicoll emailed Matus a summary of his conclusions, including “[w]hether the
services should be covered under workman’s comp vs medical is a benefits question.
Given the type of injuries these men sustained, the issue of chronic brain injury post
concussion etc. the issue certainly is valid.” Advanced’s Appendix at 553. Nicoll also
concluded that the x-rays Advanced provided to participants were medically
necessary, but not the MRIs (with rare exceptions). See Cigna’s Appendix at 154950.
Matus forwarded Nicoll’s email to William Welch (“Welch”), an outside
attorney providing counsel, and Thomas Hixson (“Hixson”), the SIU director. See
Advanced’s Appendix at 555. In her forward, Matus stated “Dr. Nicoll’s review and
the fact that this plan does not require prior authorization I believe the allegation of
medically unnecessary diagnostic services is unsubstantiated.” Id. She also
referenced her previous request for NFL records regarding disability claims “to
support the stance that these services fall under workers compensation . . .” and

2

Nicoll testified to the following in his deposition: “I reviewed one of the
medical records last week . . . it starts off in the history of the present illness . . . you
start off with the chief complaint and the history of the present illness. The chief
complaint is he was an NFL football player. I didn’t say the chief complaint is he
sustained an automobile accident or he has a long history of rheumatoid arthritis . . .
So it would seem that the clinicians treating the patient . . . felt that the aches and
pains were related, at least from the chief complaint and history of present illness to
the NFL service . . . .” Cigna’s Appendix at 1544-46.
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wanted to “touch base on those efforts.” Id.
Around this same time, Matus began reaching out to Advanced, in particular
to Debbie Vallandigham-Kokum (“Vallandigham-Kokum”), Advanced’s billing
manager. See Cigna’s Appendix at 459. Internal Cigna records support, and
Advanced does not contest, that at this time Matus and Vallandigham-Kokum
discussed the SIU investigation of Advanced. See generally id. at 457-459. On July
9, 2015, Matus documented a phone call with Vallandigham-Kokum in which Matus
averred that she “advised her that a Medical Director [at Cigna] had pointed out his
opinion that these services are excluded under the plan due to them being work
related injuries.” Id. at 459. The following day, July 10, 2015, Matus documented
that she received an email in which Vallandigham-Kokum forwarded “information
[Vallandigham-Kokum] received from her Patient Advocate, Chris Carter.” Id.
Carter’s email contained the following statement:
It appeared the main topic in dispute [with Cigna] was “are these
injuries work comp?” . . . Most, if not all, the chronic injuries we are
assessing have never been reported or worked up . . . Unfortunately,
when players are active, they are told to stay out of the training room if
they want to remain employed . . . All of the former players that we see
are coming to us for two reasons. They are seeking honest medical
opinions of years worth of chronic injuries and traumas. All players
need many forms of treatment, therapy and surgeries following
retirement. Additionally, the objective medical data provides them a
much greater chance to receive NFL disability money in line with the
three forms of disability established by the NFL: Line of Duty,
Neurocognitive, Total and Permanent. These benefits are based on
whole person impairment ratings which we provide using our diagnostic
tools.
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Id. at 469. According to the NFL Player Disability & Neurocognitive Benefit Plan,
submitted as summary judgment evidence by Cigna, “Line of Duty” disability
benefits are available to retired NFL players “who incurred a ‘substantial disablement’
. . . ‘arising out of League football activities.’”3 Id. at 1939.4
On August 19, 2015, having completed its review, Cigna issued a benefits
determination letter addressed to Vallandigham-Kokum and Advanced. Id. at 47172. In it, Cigna explained that after a “review of medical records for coding accuracy,
medical necessity criteria review as well as a benefit review conducted by Cigna’s
Legal Department,” Cigna had determined that Advanced was primarily billing “for
services stemming from work-related injuries.” Id. The letter went on to state “from
this point forward, all procedure codes billed for NFL customers will be denied as
work related unless demonstrated otherwise.” Id. An internal Cigna document dated
August 21, 2015 confirms that all claims made by Advanced were to be denied. See
Advanced’s Appendix at 562; see also Cigna’s Appendix at 1512-20. Matus also

3

This plan goes on to define “arising out of League football activities” to
mean “a disablement arising out of any League pre-season, regular-season, or postseason game, or any combination thereof, or out of League football activity
supervised by an Employer, including all required or directed activities.” Cigna’s
Appendix at 1941.
4

Cigna also contends that Matus and Vallandigham-Kokum had a
conversation later that summer in which Vallandigham-Kokum corroborated that
retired players were using Advanced’s services to obtain disability benefits. See
Cigna’s Motion at 13. However, the existence and content of this conversation is
contested by Advanced with admissible summary judgment evidence.
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documented two phone conversations with Vallandigham-Kokum that took place on
the 20th and 21st explaining the denial. See Cigna’s Appendix at 457.
Close to a month later, on September 15, 2015, Advanced responded to the
benefits determination through its attorney, Diane Frantell (“Frantell”). See
Advanced’s Appendix at 564-77. Frantell maintained that the determination was
erroneous and potentially violated state and federal law. See id. Further, she
requested that Cigna conduct individualized benefit determinations for each player
and provide Advanced with the SPD. See id. at 567. Cigna responded through its
attorney, William Welch (“Welch”) on September 30, 2015. See id. at 578-80. In
addition to disagreeing with Frantell’s assertions that the determinations were
erroneous, Welch indicated that Cigna would not provide the SPD because Advanced
had not provided assignments from the participants authorizing such disclosure to
Advanced. See id. at 579. Welch ended the letter by directing Frantell to “other
potential avenues of reimbursement” including the NFL Player Care Foundation, the
Players Trust, and the NFL Former Player Life Improvement Plan. See id. at 579-80.
After Frantell sent copies of the assignments to Welch, Welch indicated that Cigna
still would not provide the SPD because “neither Cigna nor the Plan have received
the Cigna customer’s written authorization to release such a document . . . the
assignments did not assign the participants’ right to obtain the [SPD] to your client.”
Id. at 581-82. Welch also cited a Department of Labor web page stating “[a]n

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assignment of benefits . . . is generally limited to assignment of the claimant’s right to
receive a benefit payment . . . [t]ypically, assignments are not a grant of authority to
act on a claimant’s behalf in pursuing and appealing a benefit determination under a
plan.” Id.
This back and forth continued through December of 2015. Frantell’s letters
often included citations to statutory, regulatory, and case law authority, as well as
providing supplemental documentation related to the claims. See Cigna’s Appendix
at 481-87. There is no record evidence that Advanced provided specific written
authorizations from participants for Advanced to receive the SPD. Some of Welch’s
letters to Frantell ended with the following statement: “[t]o be clear, nothing in this
letter should be construed to be a review or determination of any particular claim
under 29 CFR § 2560.503-1.” See e.g., Advanced’s Appendix at 583-84; Cigna’s
Appendix at 488-92. None of Frantell’s letters expressly represented to be appeals,
and the September 15th letter stated that it was a request for information “so that we
can properly appeal these alleged Benefit Determinations.” Id. at 569; see Cigna’s
Appendix at 481-87.
Advanced filed suit in June of 2016 after Frantell’s correspondence with Welch
did not prompt Cigna to reverse its decision. To date, Cigna maintains the same
protocol for claims made by Advanced. In his deposition, Petree testified that
Advanced is the only health care provider flagged with the specific protocol that

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Cigna employs for Advanced. See Advanced’s Appendix at 1418. Neither Advanced
nor any participants have filed an appeal with Cigna through either the internal
appeal process or the IRO process. See Cigna’s Appendix at 1577-78.
B. Procedural Background
The parties have been litigating this case for nearly five years. During that
time, the parties have filed several motions and conducted extensive discovery. Full
recitations of the procedural background of this case are provided in the court’s
memorandum opinions and orders issued on October 27, 2017 (docket entry 80),
March 27, 2018 (docket entry 87), January 3, 2020 (docket entry 194), and August
14, 2020 (3:19-CV-2432-G, docket entry 54) (Advanced II).
Since that time, the parties have concluded discovery and filed the dispositive
motions now before the court. Cigna filed its motion for summary judgment on
September 21, 2020. See Cigna’s Motion. Advanced filed its motion the following
day. See Advanced’s Motion. Advanced responded to Cigna’s motion on October 19,
2020. See Plaintiff’s Response to Cigna’s Motion for Summary Judgment
(“Advanced’s Response”) (docket entry 237). Cigna filed its response to Advanced’s
motion the following day. See Cigna’s Response. Cigna also filed its motion to strike
on October 19, 2020. See Motion to Strike Portions of Advanced Physicians, S.C.’s
Summary Judgment Evidence and Brief in Support (“Motion to Strike”) (docket
entry 235). Both parties replied to each others’ respective responses on November 2,

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2020. See Plaintiff’s Reply in Support of Its Motion for Summary Judgment
(“Advanced’s Reply”) (docket entry 242); Reply in Support of Defendants’ Motion
for Summary Judgment (Cigna’s Reply) (docket entry 241-1). Advanced responded
to Cigna’s motion to strike on November 9, 2020. See Plaintiff’s Response to
Defendant’s Motion to Strike (“Motion to Strike Response”) (docket entry 245).
Cigna replied on November 23, 2020. See Reply in Support of Motion to Strike
Portions of Advanced Physicians, S.C.’s Summary Judgment Evidence and Brief in
Support (docket entry 246). The motions are therefore fully briefed and ripe for
decision.5
II. ANALYSIS
A. Summary Judgment Legal Standard
Summary judgment is proper when the pleadings, depositions, admissions,
disclosure materials on file, and affidavits, if any, “show[ ] that there is no genuine
dispute as to any material fact and the movant is entitled to judgment as a matter of
law.” FED. R. CIV. P. 56(a), (c)(1).6 A fact is material if the governing substantive
law identifies it as having the potential to affect the outcome of the suit. Anderson v.

5

The court appreciates the parties’ patience as the court worked through
a voluminous record to decide these motions.
6
Disposition of a case through summary judgment “reinforces the
purpose of the Rules, to achieve the just, speedy, and inexpensive determination of
actions, and, when appropriate, affords a merciful end to litigation that would
otherwise be lengthy and expensive.” Fontenot v. Upjohn Company, 780 F.2d 1190,
1197 (5th Cir. 1986).
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Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). An issue as to a material fact is
genuine “if the evidence is such that a reasonable jury could return a verdict for the
nonmoving party.” Id.; see also Bazan ex rel. Bazan v. Hidalgo County, 246 F.3d 481,
489 (5th Cir. 2001) (“An issue is ‘genuine’ if it is real and substantial, as opposed to
merely formal, pretended, or a sham.”). To demonstrate a genuine issue as to the
material facts, the nonmoving party “must do more than simply show that there is
some metaphysical doubt as to the material facts.” Matsushita Electric Industrial
Company v. Zenith Radio Corporation, 475 U.S. 574, 586 (1986). The nonmoving
party must show that the evidence is sufficient to support the resolution of the
material factual issues in its favor. Anderson, 477 U.S. at 249 (citing First National
Bank of Arizona v. Cities Service Company, 391 U.S. 253, 288-89 (1968)).
When evaluating a motion for summary judgment, the court views the
evidence in the light most favorable to the nonmoving party. Id. at 255 (citing
Adickes v. S.H. Kress & Company, 398 U.S. 144, 158-59 (1970)). However, it is not
incumbent upon the court to comb the record in search of evidence that creates a
genuine issue as to a material fact. See Malacara v. Garber, 353 F.3d 393, 405 (5th
Cir. 2003). The nonmoving party has a duty to designate the evidence in the record
that establishes the existence of genuine issues as to the material facts. Celotex
Corporation v. Catrett, 477 U.S. 317, 324 (1986). “When evidence exists in the
summary judgment record but the nonmovant fails even to refer to it in the response

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to the motion for summary judgment, that evidence is not properly before the district
court.” Malacara, 353 F.3d at 405.
B. Application
The underlying facts of this case, outlined above, are largely undisputed by the
parties. The parties instead dispute the legal significance of these facts. “[I]f the
parties agree on the facts . . . summary judgment would be appropriate. The fact that
difficult questions of law exist or that the parties differ on the legal conclusions to be
drawn from the facts is not in and of itself a ground for denying summary judgment .
. . .” 10A CHARLES A. WRIGHT, ARTHUR R. MILLER & MARY K. KANE, FEDERAL
PRACTICE AND PROCEDURE § 2725 (4th Ed. Updated 2021). “Finally, a dispute over
the legal inferences to be drawn from the facts will not preclude summary judgment.”
Federal Trade Commission v. Hughes, 710 F.Supp. 1524, 1526 (N.D. Tex. 1989) (Fish,
J.) (citing Sagers v. Yellow Freight System, Inc., 529 F.2d 721, 728 n. 13 (5th Cir.
1976); International Association of Machinists and Aerospace Workers, District 776 v. Texas
Steel Company, 538 F.2d 1116, 1119 (5th Cir. 1976), cert. denied, 429 U.S. 1095,
(1977)). Therefore, summary judgment on the record as it stands is appropriate in
this case.7

7

“Because ERISA litigation is highly oriented to plan documents, reports
and other papers, lawsuits related to benefit plans are typically document intensive.
For that reason and also because legal rights under the Act are usually based on
documents, ERISA lawsuits typically reach judgment without the need for a trial.” 2
Lee T. Polk, ERISA Practice and Litigation § 11:72 (December 2020 Update).
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The parties also agree on the structure of Section 1132(a) ERISA doctrine.
Advanced has to establish that 1) it has ERISA standing, 2) it has exhausted its
administrative remedies, and 3) that Cigna abused its discretion in denying
Advanced’s claims. See generally North Cypress Medical Center Operating Company, Ltd.
v. Cigna Healthcare, No. 4:09-CV-2556, 2016 WL 9330500 (S.D. Tex. Sept. 28,
2016), aff’d, 952 F.3d 708 (5th Cir. 2020), cert. denied, ___ U.S. ___, 141 S. Ct. 1053
(2021); Cigna’s Motion; Advanced’s Motion.
1. ERISA Standing
For the sake of deciding these motions, the court will assume, arguendo, that
Advanced has standing to pursue its claims.8
2. Exhaustion
“[E]xhaustion of administrative remedies is a prerequisite to an ERISA action
in federal court.” Swanson v. Hearst Corporation Long Term Disability Plan, 586 F.3d
1016, 1018 (5th Cir. 2009) (citing Bourgeois v. Pension Plan for the Employees of Santa
Fe International Corporations, 215 F.3d 475, 479 (5th Cir. 2000)); Heimeshoff v.
Hartford Life & Accident Insurance Company, 571 U.S. 99, 105 (2013) (“The courts of
appeals have uniformly required that participants exhaust internal review before

8

The court also notes that the arguments regarding standing appear to
present genuine factual questions. See North Cypress, 2016 WL 9330500, at *7-8
(explaining that a genuine dispute of fact is easily created under the standing prong
of analysis.).
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bringing a claim for judicial review under § 502(a)(1)(B).”). “This requirement is not
one specifically required by ERISA, but has been uniformly imposed by the courts in
keeping with Congress’ intent in enacting ERISA.” Hall v. National Gypsum Company,
105 F.3d 225, 231 (5th Cir. 1997). The exhaustion requirement operates as an
affirmative defense. See Crowell v. Shell Oil Company, 541 F.3d 295, 308-309 (5th
Cir. 2008). Advanced must have either exhausted its administrative remedies under
the Plan or satisfied an exception to the exhaustion requirement.
Advanced concedes that it did not exhaust the formal appeals process available
under the plan. See Advanced’s Motion at 24-29; Advanced’s Response at 11-20.
Instead, Advanced posits the following arguments for excusing the exhaustion
requirement: 1) that the Frantell/Welch correspondence constituted an appeal, 2)
futility of any appeal, 3) that Cigna failed to substantially comply with relevant
regulations, and 4) that Advanced was denied meaningful access to the appeals
process. See id.
a. Correspondence with Welch
Advanced believes it “did exhaust its administrative remedies through its
correspondence and evidence submitted to Welch in the period after Cigna issued its
denial of benefits letter . . .” and that because Cigna “refused to provide the SPD, it
was reasonable for Advanced to assume based upon Welch’s letter that Advanced had
pursued the matter as far as it could.” Advanced’s Motion at 25. This argument is

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unpersuasive upon scrutiny.
In support of its argument, Advanced cites an out-of-circuit decision and a
district court decision. See Advanced’s Reply at 5-6. These decisions do not support
Advanced’s position, however. They are examples of the recognized “meaningful
access” exception, not an “attorney correspondence” exception. See Bernstein v.
Citigroup Inc., No. 3:06-CV-209-M, 2006 WL 2329385, at *2-3 (N.D. Tex. July 5,
2006) (Lynn, J.) (citing Curry v. Contract Fabricators Inc. Profit Sharing Plan, 891 F.2d
842, 846-47 (11th Cir. 1990)). As explained further below, Advanced cannot satisfy
the meaningful access exception.
This leaves Advanced’s argument with no cited case law support. The court
cannot declare it “fair” or “reasonable” for Advanced to dodge the exhaustion
requirement based upon correspondence without precedential support. “Allowing
informal attempts to substitute for the formal claims procedure would frustrate the
primary purposes of the exhaustion requirement.” Moss v. Unum Group, 638
Fed.Appx. 347, 350 (5th Cir. 2016) (quoting Bourgeois, 215 F.3d at 480 n.14).
If Advanced is relying on the “limited estoppel remedy” recognized in
Bourgeois9, this argument fails. In Bourgeois, the Fifth Circuit carved out a “limited
estoppel remedy” when “the lack of information and the behavior of various officials
of the company [leads the claimant] on a wild goose chase, effectively extinguishing

9

See Bourgeois, 215 F.3d at 477.
-21-

[their] time to apply for benefits.” Bourgeois, 215 F.3d at 481. More specifically, “a
claimant [must rely] to his detriment on the words and actions of high-ranking
company officers who purport to negotiate benefit decisions without actual
authority.” Id. at 481-82. In Bourgeois, the defendant “engaged [the claimant] in
negotiations regarding his benefits without ever referring him to the proper channels
before issuing what appeared to be a final denial.” Id.10 In other words, Advanced
must show it was reasonably misled by Welch’s correspondence into believing it was
appealing the benefit determination and had been issued a final determination.
Advanced has not made this showing.
First, Welch’s letters dated November 5, 2015, December 21, 2015, and
January 29, 2016 ended with the following disclaimer: “To be clear, nothing in this
letter should be construed to be a review or determination of any particular claim
under 29 CFR § 2560.503-1. The information contained herein should be
considered part of the administrative record.” See e.g., Advanced’s Appendix at 58388; Cigna’s Appendix at 490-92. It strains credulity to suggest that the phrase
“nothing in this letter should be construed to be a review or determination” is
actually “negotiat[ing] benefit decisions without actual authority” or “engag[ing] . . .
in negotiations regarding [Advanced’s] benefits.” By including these disclaimers,

10

The Swanson case, cited by both parties, is an application of the estoppel
rule in Bourgeois. See Swanson, 586 F.3d at 1019.
-22-

Welch was explicitly warning Advanced that whatever it thought it was
accomplishing through the correspondence, it was neither appealing nor negotiating
benefits.
Advanced also cites these letters, especially the December 21st letter, to argue
“it was reasonable for Advanced to rely on Welch’s statement that this was the
‘Plan’s final decision.’” Advanced’s Response at 17. On the face of the letters,
however, it was not. By explicitly stating that the correspondence did not constitute
a review, Welch was alerting Advanced that this “final decision” was a final decision
regarding the initial benefit determination, but that a separate appeal process was
available for further review of that determination. Advanced’s argument in effect
removes Welch’s statement from its context.
Advanced’s argument–that this statement, combined with the fact that it was
never given the SPD, makes its belief reasonable–is unavailing for the same reasons.
The positive implication of Welch’s disclaimer is that there is a review process in
accordance with 29 C.F.R. § 2560.503-1. Advanced can reasonably assert only that
it did not know the specific procedures enumerated in the SPD, not that it was
reasonable to think there were none at all. In sum, the correspondence Advanced
relies on actually cuts in the opposite direction.
In addition, the Frantell/Welch correspondence suggests that Advanced
actually knew Welch’s December 21st letter was not a final decision. Frantell’s

-23-

immediate response, dated December 22nd, again “renew[s] [Advanced’s] request for
the Summary Plan Descriptions . . . .” Cigna’s Appendix at 484. As a reminder,
Advanced’s previous requests were made in order to “properly appeal these alleged
Benefit Determinations.” Advanced’s Appendix at 569. Advanced’s argument that
this correspondence was an exhaustion of their remedies thus raises the following
conundrums. Why would Advanced again request materials regarding appeal
procedures if it believed it was appealing through its correspondence with Welch?
Similarly, why would Advanced request the materials if it believed a “final decision”
had already been made? Frantell’s letter does not indicate a separate reason for
requesting the SPD. Thus, the logical conclusion is that Advanced in fact knew it
was not appealing.
Next, the correspondence falls short of the “wild goose chase” from Bourgeois.
See Bourgeois, 215 F.3d at 481. It is undisputed that Advanced was not given a copy
of the SPD despite having requested it several times through the Frantell/Welch
correspondence. Every time Welch denied these requests, he did so for the same
reason: the assignments provided by Advanced did not specifically assign to
Advanced rights to plan information. See e.g., Advanced’s Appendix at 581-82.
Welch’s reasons never changed. Despite the fact that Welch twice explained what
Advanced needed to do and cited Department of Labor regulations in support of his
position, Advanced did not produce assignments with the specifically tailored

-24-

language. See Advanced’s Appendix at 578-82. Unlike the situation in Bourgeois,
Welch was not playing a shell game with Frantell. The plaintiff in Bourgeois complied
with directions only to be told of new ones until the plan had “effectively
extinguishing his time to apply for benefits.” Bourgeois, 215 F.3d at 481. Here, the
proverbial goalposts never moved. Welch’s directions remained consistent, backed
up by authority. Advanced simply never complied with Welch’s initial, unchanged
directions. See Memorial Hermann Health System v. Southwest LTC, Limited Employee
Benefits Plan, 683 Fed.Appx. 274, 275 (5th Cir. 2017) (“Memorial failed to provide
Meritain with proof of an authorization or assignment from C.W. . . . When the Plan
Administrator is clearly advising a would-be claimant of a valid task it must perform
so that a claim may be processed, there is no interference with access.”). Also,
“[u]nlike Bourgeois, [Advanced] was represented by legal counsel during [its] efforts to
reinstate [its] denied benefits.” Swanson v. Hearst Corporation Long Term Disability
Plan, No. H–08–213, 2009 WL 361469, at *6 (S.D. Tex. Feb. 11, 2009), aff’d,
Swanson, 586 F.3d 1016; see also Shepherd v. Worldcom, Inc., No. H-03-5292, 2005
WL 3844069, at* 8 (S.D. Tex. Sep. 9, 2005) (“Shepherd . . . also was represented by
his own legal counsel from the date that his eligibility to participate in the Plan was
discontinued[.]”). In sum, these facts resemble nothing like the egregious run-around

-25-

in Bourgeois.11
Advanced also argues “[t]he cases cited by Cigna to the effect that a letter from
a lawyer to the Plan is insufficient to constitute an appeal are distinguishable.”
Advanced’s Response at 17. This is true, Advanced argues, because the
correspondence in Swanson and Holmes–the cases cited by Cigna–were merely
expressions of an intent to appeal, whereas Advanced “provided arguments and
evidence” why the benefits decision was wrong. See id. Frantell’s letters, however,
suggest otherwise. The letter with by far the most “argument and evidence,” the
September 15th letter, also states in bold lettering, “[w]e hereby repeat our request
for [the SPD] so that we can properly appeal these alleged Benefit Determinations.”
Advanced’s Appendix at 569. In other words, this letter was an expression of an
intent to appeal. And, Frantell repeated this request as late as December 22nd. See
Cigna’s Appendix at 484. The court declines to turn what are facially expressions of
an intent to appeal into actual appeals. Cf. Simmons v. Liberty Life Assurance Company
of Boston, No. 4:11–CV–04609, 2013 WL 2482739, at *5 (S.D. Tex. June 10, 2013)
(“In Duncan, the claim administrator was found to have abused his discretion in

11

It is also worth noting that in his September 30th letter to Frantell,
Welch listed three different funds that could possibly reimburse Advanced’s claims.
See Advanced’s Appendix at 579-80. In reality, Welch was actually trying to help
Advanced find a means of reimbursement. This is again in sharp contrast to Bourgeois
where the claimant was never referred to the proper channels. See Bourgeois, 215 F.3d
at 482.
-26-

treating a preliminary letter from a claim as an appeal—precisely what Plaintiff is
asking of the Court in this case. The Duncan court found that the plaintiff’s ‘letter
clearly indicates a future intention to file an appeal and requests information to
which Duncan was entitled in order to pursue her appeal. This is insufficient to start
the appeal process.’”) (quoting Duncan v. Assisted Living Concepts, Inc., No.
3:03-CV-1931-N, 2005 WL 331116, at *3 (N.D.Tex., Feb. 10, 2005) (Godbey, J.).
Lastly, the court finds it doubtful whether the language from Swanson
Advanced relies on would be good law in the way that Advanced uses it. Advanced’s
argument implies that the correspondence, standing on its own, could constitute an
appeal. That would be in direct conflict, however, with other Fifth Circuit case law.
See e.g., Moss, 638 Fed.Appx. at 350 (5th Cir. 2016) (“Allowing informal attempts to
substitute for the formal claims procedure would frustrate the primary purposes of
the exhaustion requirement.”); see also Green v. Union Security Insurance Company, No.
4:11–CV–860–A, 2013 WL 300918, at *4 (N.D. Tex. Jan. 25, 2013) (McBryde, J.)
(“Strict compliance with the plan’s procedures for claims, including all internal
appeals processes, is required, as ‘allowing informal attempts to substitute for the
formal claims procedure would frustrate the primary purposes of the exhaustion
requirement.’”). Further, it would create the paradox noted by Judge Godbey in the
Duncan case. See Duncan, 2005 WL 331116, at *3 (noting that informal
correspondence “improperly truncate[s] the appeal process.”). Also, the language

-27-

Advanced relies on from Swanson and Holmes were hypothetical counter-factuals.
Thus, the court reads them to stand for the proposition, if at all, that correspondence
might initiate an appeal, but not perfect an appeal.
b. Futility
Advanced also argues that it is excused from exhausting its administrative
remedies because it would have been futile to do so. See Advanced’s Response at 1820; Advanced’s Motion at 25. Futility is a recognized exception in the Fifth Circuit.
See McGowin v. ManPower International, Inc., 363 F.3d 556, 559 (5th Cir. 2004). “A
failure to show hostility or bias on the part of the administrative review committee is
fatal to a claim of futility.” Id. In effect, Advanced must show “a ‘certainty of an
adverse decision.’” Bourgeois, 215 F.3d at 479 (quoting Communications Workers of
America v. AT&T, 40 F.3d 426, 433 (D.C. Cir. 1994)). Advanced, however, has
failed to do so as a matter of law.
It is undisputed that an appeal would be heard by “someone not involved in
the initial decision.” Advanced’s Appendix at 425. This fact alone may demonstrate,
as a matter of law, that an appeal would not have been futile. Cf. Communications
Workers of America, 40 F.3d at 433 (noting that, even when the reviewing body is
composed of company management, futility will not be assumed). Simply put–and
without evidence of who this person would be or their potential biases–fresh eyes
means at least the possibility of a reversal.

-28-

That leads to perhaps the defining flaw of Advanced’s argument: the lack of
any evidence of futility. To reiterate, it is undisputed that an appeal would be heard
by “someone not involved in the initial decision.” Advanced’s Appendix at 425.
Advanced makes no reference to or any argument about this fact. In one sense, this
is a puzzling omission given Advanced’s burden to demonstrate this person’s hostility
or bias, or that they were certain to render an adverse decision. See Bourgeois, 215
F.3d at 479; McGowin, 363 F.3d at 559. On the other hand, it is an obvious
omission because Advanced never tried to appeal either the interpretation of the plan
or any of the individual claims. Petree testified at his deposition that Advanced
could have won individual appeals if it “demonstrate[d] on appeal that the injury is .
. . not work related.” Advanced’s Appendix at 1420. Advanced did not. By not
appealing, Advanced foreclosed the possibility of compiling a record of rejections or
otherwise biased behavior that could have demonstrated futility. See Communications
Workers of America, 40 F.3d at 433 (“Because the Plan’s final review authority, the
Benefits Committee, never had an opportunity to render a final determination on
appellees’ claims, we fail to see any basis for finding that an unfavorable decision by
that Committee was a foregone conclusion.”).
The evidence that Advanced does cite is unpersuasive. Advanced first points
to the shifting internal protocols Cigna used to process Advanced’s claims after the
benefits determination. See Advanced’s Response at 19. It is unclear to the court

-29-

what relevance these protocols have on the question of whether an appeal would be
futile. In the benefits determination, Cigna told Advanced that it would presume any
claim made by Advanced was for work-related care. See Cigna’s Appendix at 471-72.
It logically follows that Cigna would develop a protocol to implement that
presumption. That the protocol was amended twice seems inconsequential to the
court. More to the point, these are protocols for handling initial claims by Advanced.
They are not protocols for handling appeals. It requires too many leaps (unwarranted
on this record) to conclude that initial claims handling protocols alone prove “a
‘certainty of an adverse decision . . .’” on appeal. Bourgeois, 215 F.3d at 479. This
amounts to “mere ‘speculation and conjecture.’” Gibson v. Old Town Trolley Tours, 160
F.3d 177, 181 (4th Cir. 1998).
Advanced next relies on the deposition testimony of Petree to show that an
appeal would have been futile. See Advanced’s Response at 19 (“Cigna’s corporate
representative, Sean Petree, testified that he is unaware of a way Advanced could
submit a claim that would not be denied as work related . . . The only example Mr.
Petree could give where Advanced might get paid is if the Plan instructed Cigna to
pay the claim.”). This argument commits the same basic error as the previous one: it
conflates the initial handling of a claim with the appeal process. It also misleadingly
characterizes Petree’s testimony. Petree’s deposition actually reads as follows: “Q: . .
. Are you aware of any claim that Advanced could file with regard to the plan where

-30-

it would not be denied as work related? A: No. But the provider would have the
opportunity to appeal if they disagree with that determination.” Advanced’s
Appendix at 1420 at 158:8-14. In other words, the testimony Advanced relies on
actually confirms that appealing was a viable route rather than proving futility. In
addition, Petree went on to testify–and Advanced does not dispute–that initial claims
were in fact paid after the August 2015 benefits determination. See Cigna’s Appendix
at 1636 (“My understanding that in practice, that’s not how it happened, because I
recall that there were claims that got paid that were not work related and still
medically necessary.”). That fact alone may be fatal to Advanced’s argument. See
North Cypress Medical Center Operating Company, Ltd. v. Cigna Healthcare, No. 4:09-CV2556, 2018 WL 3738086, at *11 (S.D. Tex. Aug. 7, 2018) (“The recently-produced
case notes do not alter the fact that–as Cigna demonstrated at summary
judgment–NCMC could not show certainty of denial because Cigna was willing to
grant some appeals and modify some payments.”), aff’d, 952 F.3d 708 (5th Cir.
2020), cert. denied, ___ U.S. ___, 141 S.Ct. 1053 (2021). Advanced’s argument asks
the court to do precisely what the Supreme Court has warned courts not to do on
summary judgment, “When opposing parties tell two different stories, one of which is
blatantly contradicted by the record, so that no reasonable jury could believe it, a
court should not adopt that version of the facts for purposes of ruling on a motion for
summary judgment.” Scott v. Harris, 550 U.S. 372, 380 (2007).

-31-

Advanced’s final argument is again unavailing. “Here, the benefit
determination was made by Cigna’s legal team in conjunction with the Plan’s
lawyers.” Advanced’s Motion at 25. The court does not understand what this means
or its significance. If the suggestion is that the Plan was directing Cigna to deny
Advanced’s claims, this assertion is again “blatantly contradicted by the record.”12
See Cigna’s Response at 11 (citing multiple witness’s deposition statements to the
contrary). If the argument is that futility can be established when a determination is
influenced by internal legal teams or an interpretation of a plan is preclusive, case
authority is against it. “The permanent block and letter to physicians, by themselves,
would also be insufficient to show futility. That is because they are evidence of the
company’s position, not the review committee’s interpretations.” Encompass Office
Solutions, Inc. v. Louisiana Health Service & Indemnity Company, No. 3:11–CV–1471–P,
2013 WL 12310676, at *15 (N.D. Tex. Sept. 17, 2013) (Solis, J.) (citing Bourgeois,
40 F.3d at 479–80 (“[A] company's preclusive interpretation . . . does not establish
that the actual [review] Committee would not have considered his claim.”)); Shepherd,
2005 WL 3844069, at *6 (“In other words, the legal department’s letter [denying
claim for ERISA benefits] constitutes no evidence that the Plan’s Subcommittee was
biased against or hostile toward Plaintiffs or that it would not have considered a
claim regarding the proper construction of the Plan.”) (citing McGowin, 363 F.3d at

12

Scott, 550 U.S. at 380.
-32-

559-60).
In sum, the only evidence and arguments Advanced marshals for futility are
legally insufficient and/or factually inapposite. Therefore, Advanced is unable, as a
matter of law, to establish futility.
c. Substantial Compliance
Advanced next argues that Cigna “failed to substantially comply with the
regulations such that Advanced is deemed to have exhausted its administrative
remedies.” Advanced’s Response at 12. Indeed, the Code of Federal Regulations
provides:
[I]n the case of the failure of a plan to establish or follow claims procedures
consistent with the requirements of this section, a claimant shall be
deemed to have exhausted the administrative remedies available under the
plan and shall be entitled to pursue any available remedies under section
502(a) of the Act on the basis that the plan has failed to provide a
reasonable claims procedure that would yield a decision on the merits of
the claim.
29 C.F.R. § 2560.503-1(l)(1). The Fifth Circuit has held, however, that plan
administrators need only “substantially comply” with the regulations. See Lacy v.
Fulbright & Jaworski, 405 F.3d 254, 257 (5th Cir. 2005). “‘[T]echnical
noncompliance with ERISA procedures will be excused so long as the purpose of
section 1133 has been fulfilled . . .’ [which is] ‘to afford the beneficiary an
explanation of the denial of benefits that is adequate to ensure meaningful review of
that denial.’” Lafleur v. Louisiana Health Service & Indemnity Company, 563 F.3d 148,

-33-

154 (5th Cir. 2009) (internal citations omitted). “The ‘substantial compliance’ test
also ‘considers all communications between an administrator and plan participant to
determine whether the information provided was sufficient under the
circumstances.’” Id. (internal citations omitted).
Advanced makes three intertwined arguments. First, Advanced argues that
Cigna did not substantially comply by failing to provide Advanced with a copy of the
SPD. See Advanced’s Response at 14-15; Advanced’s Motion at 25-29. Second,
Advanced argues that Cigna’s benefits determination and other communications did
not provide adequate information. See id. Third, Advanced argues that Cigna “failed
to substantially comply with the timing of notification of benefits determinations
found in 29 C.F.R. § 2560.503-1(f)(2)(iii)(B) . . . [and] failed miserably to respond
with benefit determinations on Advanced’s claims for anywhere from three months to
over three years.” Advanced’s Response at 16. The undisputed facts of this case,
however, establish that Cigna did substantially comply with the regulations.
Contrary to Advanced’s assertions, Cigna was under no obligation to provide it
with a copy of the SPD. The plain language of Section 1024(b)(4)13 does not include
providers in Advanced’s shoes: “[t]he administrator shall, upon written request of any
participant or beneficiary, furnish a copy of the latest updated summary, plan

13

The statutory provision governing Cigna’s disclosure obligations. See 29
U.S.C. § 1024(b)(4).
-34-

description, and the latest annual report, any terminal report, the bargaining
agreement, trust agreement, contract, or other instruments under which the plan is
established or operated.” 29 U.S.C. § 1024(b)(4) (emphasis added). Advanced is
neither a participant nor a beneficiary; it is an assignee. When presented with
identical arguments, courts in this circuit have rejected the idea that assignees like
Advanced come within the scope of section 1024(b)(4)’s disclosure obligation. See
North Cypress, 2016 WL 9330500 at *10; Outpatient Specialty Surgery Partners, Ltd. v.
Unitedhealthcare Insurance Company, No. 4:15-CV-2983, 2016 WL 3467139, at *7
(S.D. Tex. June 24, 2016) (citing Bartling v. Fruehauf Corporation, 29 F.3d 1062, 1072
(6th Cir. 1994)14).
As in Outpatient Specialty, “[Advanced] has not given the Court any reason to
depart from [Bartling].” Id. Advanced’s sole cited authority, Parton v. United States
Life Insurance Company,15 see Advanced’s Response at 15; Advanced’s Motion at 28, is

14

The Bartling court was applying a Department of Labor advisory opinion
which states, in pertinent part, “[a]bsent [an express authorization by participants to
assignees], it is the Department’s view that a plan is not required by section 104 of
ERISA to provide such information to persons who are neither participants nor
beneficiaries.” The court then stated, “in interpreting § 1024(b)(4), we are obliged to
accord great deference to DOL interpretations . . . The plain language of the DOL
Advisory Opinion Letter refers broadly to all ‘persons who are neither participants
nor beneficiaries’ . . . Following the DOL’s guidance, then, we hold that Defendants
were not obliged to disclose any documents to [assignees] without written
authorization from Plaintiffs or their beneficiaries.” Bartling, 29 F.3d at 1072
(emphasis in original) (internal citations omitted).
15
No. 2:13-CV-203-J, 2014 WL 12531459 (N.D. Tex. Aug. 12, 2014)
(Robinson, J.).
-35-

inapposite and actually proves the rule. The third sentence of that opinion reads,
“Plaintiff Kristin Parton is the sole beneficiary of both a basic and a supplemental life
insurance policy that her husband, Jeffrey Parton, obtained through his employer.”
Parton, 2014 WL 12531459, at *1 (emphasis added). The plaintiff in Parton was a
beneficiary, not an assignee. Parton undermines Advanced’s argument. Thus,
Advanced’s argument that Cigna breached its purported obligation to provide the
SPD, thereby excusing Advanced’s exhaustion requirement, fails as a matter of law.
The court also concludes that Cigna’s August 19, 2015 benefit determination,
in conjunction with the EOPs,16 substantially complies with applicable regulations as
a matter of law. The regulations obligated Cigna to communicate the following
information: 1) “The specific reason or reasons for the adverse determination;” 2)
“Reference to the specific plan provisions on which the determination is based;” 3)
“A description of any additional material or information necessary for the claimant to
perfect the claim and an explanation of why such material or information is
necessary;” 4) “A description of the plan’s review procedures and the time limits
applicable to such procedures . . . a statement of the claimant’s right to bring a civil
action under section 502(a) of the Act . . . ;” and 5) “If an internal rule, guideline,
protocol, or other similar criterion was relied upon . . . either the specific rule,

16

As a reminder, the court must consider “all communications between an
administrator and plan participant to determine whether the information provided
was sufficient under the circumstances.” Lafleur, 563 F.3d at 154.
-36-

guideline, protocol, or other similar criterion; or a statement that such a rule,
guideline, protocol, or other similar criterion was relied upon . . . and that a copy of
such rule, guideline, protocol, or other criterion . . . will be provided free of charge . . .
upon request . . . .” 29 C.F.R. § 2560.503-1(g)(1)(i-v). Contrary to Advanced’s
conclusory arguments, Cigna’s communications with Advanced substantially
complied with the regulations.
The second sentence of the benefit determination states “[t]he review
identified that [Advanced] bills for services that fall outside the healthcare benefit
plan for NFL players.” Cigna’s Appendix at 471. In other words, a “specific reason .
. . for the adverse determination.” 29 C.F.R. § 2560.503-1(g)(1)(i). The third
paragraph of the determination states “[t]he Plan does not cover work-related
expenses,” and then quotes several portions of the Plan itself. See Cigna’s Appendix
at 471. This satisfies the requirement to “[r]eference to the specific plan provisions
on which the determination is based.” 29 C.F.R. § 2560.503-1(g)(1)(ii). The fourth
paragraph detailed how Cigna came to its conclusion, satisfying both subsections (i)
and (v)(A). See Cigna’s Appendix at 472. The EOPs informed Advanced of the 180
day time limit to appeal, the information required to properly appeal, and statements
about participants rights under section 502(a) and the right to receive relevant
documents. See id. at 431. Further, subsection (iii) appears inapplicable. Cigna’s
benefit determination was based not upon a lack of information, but rather because

-37-

Advanced was seeking payment for services outside the scope of the Plan. Even if it
were applicable, the benefit determination informed Advanced that it could be paid
by demonstrating that services were for non work-related injuries. See id. at 472.
Arguably, the only piece of information missing was “[a] description of the
plan’s review procedures . . . .” 29 C.F.R. § 2560.503-1(g)(1)(iv). However, and as
Advanced acknowledges, the EOPs did reference the plan materials for further
instructions. See Advanced’s Response at 14. For reasons that the court will address
below, Advanced had constructive access to these materials.17 In sum, Cigna’s
communications with Advanced satisfied every requirement of the regulation. Thus,
not only did Cigna “substantially comply” with the regulations, it fully complied with
the regulations.
Even if the court were to assume, arguendo, that Cigna did not fully comply,
the undisputed facts establish, as a matter of law, that Cigna “substantially
complied.” In the benefit determination letter alone, Advanced was given the reason
for the adverse determination, how Cigna arrived at that conclusion, and quotations
from the Plan (or SPD) that enumerated the relevant limitation. See Cigna’s
Appendix at 471-72. This information “afford[ed] [Advanced] an explanation of the
denial of benefits that is adequate to ensure meaningful review of that denial.”
Lafleur, 563 F.3d at 154. The court thus concludes that Cigna, at the very least,

17

Nor was Cigna obligated to provide Advanced with a copy of the SPD.
-38-

“substantially complied” with the requirements of 29 C.F.R. § 2560.503-1(g)(1) as a
matter of law.
Finally, the court concludes that Advanced’s timing argument also fails. The
only competent summary judgment evidence submitted by Advanced is the time that
elapsed between when the SIU began its investigation and when Cigna issued the
August 19, 2015 benefit determination.18 The undisputed facts establish that

18

The court grants Cigna’s motion to strike the summary chart entitled
“Sample of Cigna’s Response Time After Receiving Advanced Physicians Claims”
attached to Vallandigham-Kokum’s declaration as either exhibit 36 or 37
(Advanced’s Appendix pages 31-36). Cigna objected to the use of this chart, arguing
“the documents underlying the purported summary have not been produced and are
not in the Appendix . . . [Advanced] has not made available the underlying
documents that would support [the chart].” Motion to Strike at 7. The burden then
shifted to Advanced to “show that the material is admissible as presented or to
explain the admissible form that is anticipated.” Humphreys & Partners Architects, L.P.
v. Lessard Design, Inc., 790 F.3d 532, 539 (4th Cir. 2015) (quoting FED. R. CIV. P. 56
Advisory Committee’s Note).
The chart is plainly a Rule 1006 summary chart. See FEDERAL RULES OF
EVIDENCE Rule 1006. The rule states, in part, “[t]he proponent may use a summary,
chart . . . to prove the content of voluminous writings, recordings, or photographs
that cannot be conveniently examined in court. The proponent must make the
originals or duplicates available for examination or copying . . . by other parties at a
reasonable time and place . . . .” Id. The Fifth Circuit has upheld the use of such a
chart at the summary judgment stage despite an objection, stating “[the proponent] .
. . advised the district court that ‘the supporting documentation for the summaries . .
. were too voluminous to reproduce herewith, but will be made available to the Court and
the parties upon request.” In re Complaint of Taira Lynn Marine Limited Number 5 L.L.C.,
420 Fed.Appx. 330, 336 (5th Cir. 2011) (emphasis added). Though a simple
obligation, Advanced failed to satisfy this burden. Its argument that “[t]he
spreadsheet referred to reflects the columns described in the declaration” is irrelevant.
Motion to Strike Response at 5. Advanced needed to respond to the objection with
some indicia of the chart’s ultimate admissibility. It could have attached some of the
underlying documentation, showed that it produced the documents to Cigna, or just
-39-

between May and August of 2015, Cigna informed Advanced of the investigation,
kept Advanced apprised of its progress, requested information, and ultimately issued
a determination. Specifically, in either May or June of 2015, Matus reached out to
Vallandigham-Kokum and informed her that Advanced’s claims were being audited.
See Advanced’s Appendix at 4-5; Cigna’s Appendix at 459. Later on in June, Matus
requested medical records of 36 retired players for review. Advanced’s Appendix at 5.
Matus and Vallandigham-Kokum continued to correspond into July and August,
including when Vallandigham-Kokum forwarded the email from Advanced’s Patients
Benefits Coordinator Chris Carter. See Cigna’s Appendix at 458-59; Cigna’s Motion
at 12-13. Finally, Cigna issued the benefit determination on August 19.
The Fifth Circuit has recognized a flexible approach in evaluating the
timeliness of benefit determinations adopted in sister circuits. See Theriot v. Building
Trades United Pension Trust Fund, No. 20-30126, 2021 WL 955152, at *8 n.10 (5th
Cir. Mar. 12, 2021) (“Courts have only excused plan administrators from ERISA’s
strict deadlines in the limited instance where the plan administrator had engaged in
‘ongoing’ information gathering with the claimant.”) (citing Jebian v. Hewlett-Packard

confirmed that the documents would be available for inspection, as in Taira Lynn
Marine. See Encompass Office Solutions, Inc. v. Cigna, No. 3:11-CV-02487-L, 2017 WL
3268034, at *9 n.4 (N.D. Tex. July 31, 2017) (Lindsay, J.) (citing Chapman v.
A.S.U.I. Healthcare and Development Center, 562 Fed.Appx. 182, 186 (5th Cir.), cert.
denied, 573 U.S. 906 (2014)). Unfortunately, Advanced failed to do so, thus the
chart must be stricken.
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Company Employee Benefits Organization Income Protection Plan, 349 F.3d 1098, 1107
(9th Cir. 2003), cert. denied, 545 U.S. 1139 (2005); Gilbertson v. Allied Signal, Inc., 328
F.3d 625, 636 (10th Cir. 2003)). This approach has sound justifications, “[Strict
compliance] could inhibit collection of useful evidence and create perverse incentives
for the parties. Even in cases where additional medical information is clearly
necessary for a proper decision, administrators would have an incentive to issue a
final denial on the inadequate record . . . rather than to wait for the information . . .
.” Gilbertson, 328 F.3d at 635.
The facts of this case fall squarely within this “ongoing information gathering”
category. Theriot, 2021 WL 955152. To be in substantial compliance, Cigna had to
engage Advanced in “an ongoing productive evidence-gathering process in which the
claimant is kept reasonably well-informed as to the status of the claim and the kinds
of information that will satisfy the administrator.” Gilbertson, 328 F.3d at 636.
Cigna requested and received further information from Advanced, engaged in a
dialogue with Advanced, and then after marshaling the relevant information, issued a
final decision. Importantly, Advanced was apprised of this process. In other words,
Cigna gathered evidence and information while keeping Advanced informed. This is
the exact kind of process the substantial compliance doctrine is intended to secure.
See id. at 635-36. Cigna is thus entitled to summary judgment on this issue.
d. Meaningful Access

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To the extent that Advanced makes a separate argument that it was denied
“meaningful access” to the appeals process because it was never given the SPD, this
argument also fails. As noted above, Cigna was never obligated to provide Advanced
with a copy of the SPD. The Fifth Circuit encountered, and rejected, a similar
argument in McGowin. See McGowin, 363 F.3d at 560 (“McGowin’s . . . allegation . .
. is unpersuasive. She argues that she lacked the requisite information to file a claim,
because her status as a third-party employee left her ineligible to receive a copy of the
governing plan documents . . . McGowin argues[] she did not know how, or to whom,
her claims should be presented.”). Moreover, Advanced had constructive access to
the SPD. Advanced’s NFL patients were all free to give Advanced the SPD. It
appears Advanced simply did not ask. Advanced’s failure to exhaust administrative
remedies cannot be excused when the relevant information was so readily available to
it.
Advanced concedes that it did not formally exhaust its administrative
remedies. Instead, it has presented several arguments why this failure should be
excused. The court now concludes that these arguments all fail as a matter of law.
As such, Cigna is granted summary judgment on the affirmative defense of failure to
exhaust administrative remedies.
As an additional ground for summary judgment, the court also concludes that
Cigna is entitled to summary judgment on the merits of its decision.

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3. Abuse of Discretion
The parties agree on the governing legal standard. “When an ERISA plan
lawfully delegates discretionary authority to the plan administrator, a court reviewing
the denial of a claim is limited to assessing whether the administrator abused that
discretion.” Ariana M. v. Humana Health Plan of Texas, Inc., 884 F.3d 246, 247 (5th
Cir. 2018) (en banc) (citing Firestone Tire & Rubber Company v. Bruch, 489 U.S. 101,
115 (1989)). The parties concur that the Plan vested Cigna with such discretionary
authority. See Cigna’s Motion at 29; Advanced’s Motion at 29-30.
“Abuse of discretion” is evaluated under a multi-step formula. See Connecticut
General Life Insurance Company v. Humble Surgical Hospital, L.L.C., 878 F.3d 478, 48384 (5th Cir. 2017), cert. denied, ___ U.S. ___, 138 S. Ct. 2000 (2018); Wildbur v.
ARCO Chemical Company, 974 F.2d 631, 637-38 (5th Cir. 1992). First, the court
evaluates whether the administrator’s interpretation and/or decision was “legally
correct.” Humble, 878 F.3d at 483. If the administrator’s decision is found to be
legally incorrect, the court must turn to the second step, whether the administrator’s
decision was an abuse of discretion (sometimes referred to as “arbitrary and
capricious” review). See id. Finally, the court must determine whether an
administrator’s decision “was supported by substantial evidence.” Id. The court may
“‘skip the first step if’ it ‘can more readily determine that the decision was not an
abuse of discretion.’” Id. at 483-84 (quoting Holland v. International Paper Company

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Retirement Plan, 576 F.3d 240, 246 n.2 (5th Cir. 2009)). The court accepts this
invitation.
a. Arbitrary and Capricious Review
There are three relevant factors for the court to consider under the arbitrary
and capricious standard. First, the court must evaluate the internal consistency of
the plan under the administrator’s interpretation. See North Cypress Medical Center
Operating Company, Ltd. v. Cigna Healthcare, 781 F.3d 182, 196 (5th Cir. 2015).
Second, the court looks for any relevant regulations promulgated by administrative
agencies. See Encompass Office Solutions, Inc. v. Louisiana Health Services & Indemnity
Company, 919 F.3d 266, 282 (5th Cir.), cert. denied, ___ U.S. ___, 140 S. Ct. 221
(2019). Lastly, the court considers “the factual background of the determination and
any inferences of lack of good faith.” Id.
Advanced neither cited, nor made an argument regarding, any relevant
regulations. Cigna argues that there are none, and highlights Advanced’s lack of
argument on this factor. See Cigna’s Motion at 34; Cigna’s Response at 19. Thus,
this factor is either neutral or weighs in Cigna’s favor since it was not acting
inconsistently with any relevant regulations.
“In analyzing the internal consistency factor, the Court must determine
whether Cigna’s interpretation of the plan language conflicts with any other part of
the plan.” North Cypress, 2016 WL 9330500, at *6; Kennedy v. Electricians Pension

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Plan, IBEW No. 995, 954 F.2d 1116, 1124 (5th Cir. 1992) (“neither party has
presented persuasive evidence that the applicable language (Section 4.01(b)) conflicts
with any other provision in the Plan.”). There are, in effect, two interpretations at
issue. First is Cigna’s interpretation of the work-related exception itself, and second,
whether the Cigna had the power under the Plan to employ a presumption. A survey
of Advanced’s briefing highlights two potential arguments on this factor: 1) that the
“work-related” exception was limited to claims where a “specific date of injury that
was covered by worker’s compensation” was identified; and 2) that Cigna had the
power to employ presumptions only in the context of chiropractic care “in training
camp or on or near game day . . . .” Advanced’s Motion at 31-32.
The first argument can be disposed of easily. For starters, it is not an
argument about the consistency of Cigna’s interpretation with other provisions of the
Plan. It is an argument for a better reading of the Plan. However, at this stage, the
court is not evaluating whether Cigna’s interpretation is the correct one or even the
only one. It is only assessing if Cigna’s interpretation conflicts with the Plan.
Advanced does not cite any provision of the Plan (or SPD) that is in conflict with
Cigna’s interpretation. Moreover, Cigna’s interpretation actually appears more
consistent with other provisions than does Advanced’s. For example, the Plan defines
“Occupational Injury” as “an accidental bodily injury which arises from, or is
complicated by, any employment or occupation for compensation or profit.” Cigna’s

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Appendix at 852. This definition does not distinguish between chronic injuries and
specific injuries. It simply ties the injury to employment.
Though it is on topic, the second argument is also unpersuasive. Quoting from
its brief, Advanced argues “[t]he only language in the Plan that allows the use of
presumptions is related to the chiropractic benefits19 . . . The Plan contains no
language that allows Cigna to treat a claim as presumptively work-related . . . .”
Advanced’s Motion at 31-32. The first part of this argument amounts to an expressio
unius20 argument. Though a valid canon of statutory interpretation, the court is not
interpreting a statute here. Moreover, the court is looking for inconsistencies, not
implications based upon structure. The provision that Advanced cites does not
contain any limiting language such as “only” or “exclusively.” It is therefore plausible
to conclude that the chiropractic presumption language is not meant to exclude the
use of presumptions in other contexts. To illustrate this point further, another
plausible implication of the chiropractic presumption is that the Plan in fact
affirmatively endorses the use of presumptions.21 This was just one example, but not

19

The court notes that the language Advanced cites is actually from the

SPD.
20

The full name of the canon is expressio unius est exclusio alterius, meaning
“the expression of one thing suggests the exclusion of all others.” William N.
Eskridge Jr., Interpreting Law: A Primer on How to Read Statutes and the Constitution 7879 (2016).
21
It might, for example, conserve the plan administrator’s resources to,
when justified, presume a claim should be denied rather than going through the
process of investigating it every time.
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the only permissible use. The court thus cannot conclude that Cigna’s employment
of a presumption was inconsistent with the Plan.
Advanced’s argument also assumes that Cigna had the ability to do only what
the Plan enumerated it could do. But this is again based upon implications from
structure, not specific language inconsistent with Cigna’s interpretation.
Furthermore, it is an unsound canon of construction for the Plan. The Plan is also
silent regarding the plan administrators’ ability to investigate claims beyond material
submitted by a claimant. Advanced’s argument would mean Cigna did not have that
power. Yet, Advanced does not challenge Cigna’s use of the SIU or the investigative
methods it used. That is likely because it is obvious that Cigna’s authority went
beyond what was explicitly enumerated in the Plan. Moreover, the Plan language
confirms that Cigna’s powers were broader. Article IX, Section 9.1 of the Plan, which
enumerates the powers of plan administration, states in part “[s]uch authority [of the
administrator] includes, but is not limited to, the power to: . . .” and then it goes on to
list various powers. Cigna’s Appendix at 877 (emphasis added). As such, it appears
that Cigna’s reading is actually more consistent with the Plan than Advanced’s.
This is not the first time a court in this circuit has seen Cigna employ a
presumption of this magnitude. In the North Cypress case (cited extensively above),
Cigna instituted a “fee-forgiving protocol” that assumed the provider was discounting
its services to patients, and would continue the protocol “until [the provider]

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presented ‘clear evidence’” that it had stopped. See North Cypress, 2018 WL
3738086, at *7. The court mentions this simply to illustrate that Cigna did nothing
extraordinary in this case. It buttresses the court’s conclusion that Cigna’s
interpretation of the Plan does not create clear inconsistencies.
This brings the court to “the factual background of the determination and any
inferences of lack of good faith.” Encompass Office Solutions, 919 F.3d at 282. At the
outset, it is important to take account of how this factor fits within the doctrinal
scheme. “The [Supreme] Court further held that ‘a reviewing court should consider
[a] conflict [of interest] as a factor in determining whether the plan administrator has
abused its discretion in denying benefits.’ The significance of the conflict ‘depend[s]
upon the circumstances of the particular case.’” Stone v. UNOCAL Termination
Allowance Plan, 570 F.3d 252, 257-58 (5th Cir. 2009) (quoting Metropolitan Life
Insurance Company v. Glenn, 554 U.S. 105, 108 (2008)) (internal citations omitted).
Thus, even if the court finds a conflict, it would not be dispositive.
Advanced does not dispute that the Plan is funded by the NFL member clubs,
not Cigna, thus making this case dissimilar to both Glenn and Stone. Instead,
Advanced argues that “Cigna adopted the NFL’s inherent conflict of interest by
having the NFL involved in the benefit determination.” Advanced’s Motion at 33.
Curiously, this assertion is not backed up by any record citations. Moreover, it is
functionally the same argument that the court rejected in the “futility of appeal”

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analysis above.
Even if the court were to give this argument some credence, it would still be
incumbent upon Advanced to prove “circumstances [that] suggest a higher likelihood
that [the conflict] affected the benefits decision, including, but not limited to, cases
where an insurance company administrator has a history of biased claims
administration.” Glenn, 554 U.S. at 117. Otherwise, the conflict will “prove less
important (perhaps to the vanishing point) where the administrator has taken active
steps to reduce potential bias and to promote accuracy . . . .” Id. Advanced’s
argument that “Cigna and the Plan wanted to deny Advanced’s claims and then
Cigna fashioned a reason to deny them”22 is contradicted by the record. The “workrelated” exception was not fashioned together just to deny Advanced’s claims, nor is
there any evidence that Cigna concocted it as a reason after already deciding to deny
the claims. Cigna did not place the hold on Advanced’s claims until after Cigna began
to suspect that Advanced was treating work-related injuries. If Cigna had already
decided to deny Advanced’s claims, why would it wait to place the hold until it had a
reason? The record shows that Cigna first became suspicious of Advanced,
conducted an investigation, then decided to deny its claims, not the other way
around.
Cigna’s use of the presumption, or as Advanced calls it, the “blanket denial,”

22

Advanced’s Motion at 34.
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does not suffice either. As already established, the Plan explicitly endorses the use of
one presumption. It requires an unwarranted leap of logic to extrapolate that the use
of a presumption in a different context must be evidence of bad faith. Furthermore,
this argument asks the court to divorce the presumption from its context. Whether
the presumption was used in good or bad faith depends on the evidence before Cigna.
In other words, this is an argument more fit for the “substantial evidence” prong, not
here.
Lastly, Advanced’s argument that Cigna has “singled out Advanced” for
disparate treatment is simply incorrect. Cigna imposed a substantially similar
requirement on the provider in North Cypress. See North Cypress, 2018 WL 3738086,
at *7. This same requirement was upheld in Humble. See Humble, 878 F.3d at 48586. Whatever would have been the persuasive weight of this argument, it is greatly
diminished by its incorrectness.
In sum, Advanced has not presented evidence that Cigna was compromised by
any of the traditional conflicts of interest. More precisely, hiring Cigna to administer
a plan funded by the NFL member clubs is a “step[] to reduce potential bias and to
promote accuracy . . . .” Glenn, 554 U.S. at 117. On top of that, Advanced’s “further
evidence” of bad faith provides little, if any, support for its argument. Even if the
court accepts that there is some evidence of bad faith, it is one factor among many to
consider, and worth relatively little under these circumstances.

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Given the relevant factors, the court concludes that Cigna did not act in an
arbitrary or capricious manner. It did not violate any regulations. Advanced cannot
show any clear inconsistencies between Cigna’s interpretation of the Plan and the
Plan language. And, even if there was a conflict or some evidence of bad faith, under
these circumstances it does not outweigh the first two factors. Cf. Stone, 570 F.3d at
262 (“So, even assuming arguendo that a conflict exists, it is attenuated at best.”).
The court will thus uphold Cigna’s determination, and award it summary judgment,
if Cigna’s decision was based on substantial evidence. Cf. Humble, 878 F.3d at 485
(“In other words, having concluded that Cigna could interpret its plan to prohibit
fee-forgiving, we must decide whether there was substantial evidence that Humble
actually engaged in fee-forgiving.”).
b. Substantial Evidence
“‘Substantial evidence is more than a scintilla, less than a preponderance, and
is such relevant evidence as a reasonable mind might accept as adequate to support a
conclusion.’ In making this inquiry, we are ‘constrained to the evidence before the
plan administrator.’” Id. (quoting Corry v. Liberty Life Assurance Company of Boston, 499
F.3d 389, 398 (5th Cir. 2007); Killen v. Reliance Standard Life Insurance Company, 776
F.3d 303, 312 (5th Cir. 2015)). When compared to the facts of Humble (nearly
identical to the facts of North Cypress), there is no reasonable doubt that Cigna’s
decision was based on substantial evidence. The Humble court was similarly

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presented with a “sweeping response” by Cigna to a provider’s practices. See id.
Nonetheless, this “sweeping response” was supported by substantial evidence where:
Cigna sent surveys to members who had received medical treatment at
Humble, requesting “additional information.” Among other things, the
surveys asked what the member had been told regarding “responsibility for
any non-paid costs, i.e., deductible, coinsurance.” Cigna received 154
responses. Many members indicated that Humble had informed them that
they would not be charged their full member cost-share. For example,
Member “R.R.” received $25,191.00 worth of care at Humble. She spoke
with Humble before the surgery and four months after surgery and was
informed that “everything was covered [at] 100%.” Under her insurance
plan, she should have been billed $2,745.83. Likewise, Member “M.N.”
was charged just $276 for $27,600.00 worth of treatment and told that
this amount “was all [he] was responsible for.” Humble should have
charged M.N. $6,974.49 under the plan.
Id. at 485-86. The evidence before Cigna in this case was even stronger. Cigna’s
request for and review of 36 patient medical records from Advanced is analogous to
the survey conducted in Humble. Both gave Cigna a sampling of the providers’
practices. Both also confirmed Cigna’s suspicions regarding the providers. In this
case, however, Cigna’s investigation went further. Not only did Cigna’s internal
personnel opine that Advanced was treating work-related injuries, an outside entity,
HCFS, came to the same conclusion. Further still, Advanced’s own personnel (Chris
Carter) affirmatively stated that “[Advanced’s services] provides [players] a much
greater chance to receive NFL disability money in line with the three forms of
disability established by the NFL: Line of Duty, Neurocognitive, Total and
Permanent.” Cigna’s Appendix at 469. The evidence before Cigna in this matter

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thus went well beyond the precedent for “substantial evidence” set in Humble.
Advanced responds by saying “[t]hat is all. Cigna reviewed 36 patient records,
someone mentioned disability benefits, and Cigna decided that allowed them under
the Plan to presumptively deny all claims filed by Advanced under the Plan.”
Advanced’s Response at 24. Yes, a sampling of medical data and plausible
confirmation from the provider is “substantial evidence.” In Humble, Cigna had only
the medical data. It had more here. Advanced ostensibly concedes as much. Thus,
Cigna’s decision was supported by substantial evidence as a matter of law.
Having thus concluded that Cigna did not act arbitrarily or capriciously and
that its decision was based on substantial evidence, the court grants Cigna’s motion
for summary judgment on the additional ground that Cigna’s decision was not an
abuse of discretion.

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III. CONCLUSION
For the reasons state above, Cigna’s motion for summary judgment is
GRANTED, Advanced’s motion for summary judgment is DENIED, and Cigna’s
motion to strike is GRANTED IN PART and DENIED IN PART as moot.
Judgment will be entered for the defendants.
SO ORDERED.
July 8, 2021.

___________________________________
A. JOE FISH
Senior United States District Judge

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