Cole v. Metropolitan Life Insurance
Cases that cite this one
23 later published cases cite this decision.
- Raymond A. Semente D.C., P.C. v. Empire Healthchoice Assurance, Inc. (District Court, E.D. New York 2021)
- Neuroaxis Neurosurgical Associates, PC v. Costco Wholesale Co. (District Court, S.D. New York 2013)
- Fields Enters. Inc. v. Bristol Harbour Vil. Assn., Inc. (Appellate Division of the Supreme Court of New York 2023)
- Sasson Plastic Surgery, LLC v. UnitedHealthcare of New York, Inc. (District Court, E.D. New York 2021)
- Raymond A. Semente D.C., P.C. v. Empire Healthchoice Assurance, Inc. (District Court, E.D. New York 2020)
- Subaru Distributors Corp. v. Subaru Of America, Inc. (2d Cir. 2005)
- Subaru Distributors Corp. v. Subaru of America, Inc. (2d Cir. 2005)
- Da Silva Plastic & Reconstructive Surgery, P.C. v. UnitedHealthcare Ins. Co. of N.Y., Inc. (Appellate Division of the Supreme Court of New York 2025)
- Northwell Health, Inc. v. Blue Cross and Blue Shield of Massachusetts, Inc. (District Court, E.D. New York 2024)
- Small Islands Developing States v. Seaone Holdings, LLC (District Court, S.D. Texas 2024)
- In re: AXA Equitable Life Insurance Company (District Court, S.D. New York 2020)
- Glazer v. Socata, S.A.S. (Appellate Division of the Supreme Court of New York 2019)
- M.V.B. Collision Inc. v. Allstate Insurance Co. (Nassau County District Court 2017)
- Kassis v. Ohio Casualty Insurance (Appellate Division of the Supreme Court of New York 2008)
- Kirell v. Vytra Health Plans Long Island, Inc. (Appellate Division of the Supreme Court of New York 2006)
- State v. Liberty Mutual Insurance (Appellate Division of the Supreme Court of New York 2005)
- Simet v. Coleman Co. (Appellate Division of the Supreme Court of New York 2004)
- Tasseff v. Nussbaumer & Clarke, Inc. (Appellate Division of the Supreme Court of New York 2002)
- PC Ware International, Inc. v. Jinma Computer Co. (Appellate Division of the Supreme Court of New York 2002)
- DiSano v. KBH Construction Co. (Appellate Division of the Supreme Court of New York 2001)
- Roosevelt Islanders for Responsible Southtown Development v. Roosevelt Island Operating Corp. (Appellate Division of the Supreme Court of New York 2001)
- Welch Foods, Inc. v. Wilson (Appellate Division of the Supreme Court of New York 2000)
- Cricks v. Niagara Mohawk Power Corp. (Appellate Division of the Supreme Court of New York 2000)
This list shows which later cases cite this one. It does not say how they treated it, and no review of that has been done. Not a substitute for Shepard’s or KeyCite — verify before relying.
Opinion of the Court
Order unanimously affirmed without costs. Memorandum: We reject plaintiff’s contention that Supreme Court erred in granting defendant’s motion to dismiss the complaint based on plaintiff’s lack of standing. We agree with the court that plaintiff, a physician practicing in Pennsylvania, lacks standing to enforce an insurance contract between defendant insurer and New York State providing State employees with medical insurance under the Empire Plan (Plan). Plaintiff was not a participating provider in the Plan, and the insurance certificates in the record provide that “[assignment of benefits to a Non-Participating Provider is not permitted”.
The court properly determined that there was no intent to benefit plaintiff or a class of which plaintiff is a member. The contract was intended to benefit State employees by providing such employees and their dependents with medical insurance. The Plan excludes non-participating providers from receiving direct benefits; they are to be paid by the patients and have no relationship with the insurance provider. Thus, we conclude that plaintiff, a non-participating provider, was not an intended beneficiary and cannot enforce the insurance contract between the State and defendant.
Although plaintiffs patients assigned their rights to plaintiff, those assignments are void. “ ‘[I]t has been consistently held that assignments made in contravention of a prohibition clause in a contract are void if the contract contains clear, definite and appropriate language declaring the invalidity of such assignments’” (Macklowe v 42nd St. Dev. Corp., 170 AD2d 388, 389; see, Sullivan v International Fid. Ins. Co., 96 AD2d 555, 556). Here, the contract contains such language and the assignments cannot confer standing upon plaintiff.
Case-law data current through December 31, 2025. Source: CourtListener bulk data.