Flanagan v. First Unum Life Insurance
Flanagan v. First Unum Life Insurance
Opinion of the Court
Summary Order
ON CONSIDERATION WHEREOF, IT IS HEREBY ORDERED, ADJUDGED, AND DECREED that the judgment of the District Court be and it hereby is AFFIRMED.
Kelly Anne Flanagan appeals from the judgment of the United States District Court for the Eastern District of New York (Dearie, J.), entered after the court’s review of the administrative record, dismissing her claim that denial of disability benefits by defendant-appellee First Unum Life Insurance Company (“First Unum”) violated the Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1001 et seq. Familiarity with the record below and issues on appeal is presumed.
As a threshold matter we address briefly the procedural posture of the case.
Flanagan contends that the district court should have applied a de novo standard of review because First Unum’s decision denying her disability benefits was affected by a conflict of interest. See Pulvers v. First UNUM Life Ins. Co., 210 F.3d 89, 92 (2d Cir. 2000) (“In order to trigger de novo review of an administrator’s decision when the plan itself grants discretion to the administrator, a plaintiff must show that the administrator was in fact influenced by the conflict of interest.” (internal quotation marks omitted) (emphasis in the original)). But because Flanagan has not demonstrated that First Unum was in fact influenced by a conflict of interest or that First Unum’s dual status as a plan administrator and plan insurer “affected the reasonableness of the [administrator’s] decision” to deny benefits, Sullivan v. LTV Aerospace & Def. Co., 82 F.3d 1251, 1259 (2d Cir. 1996) (internal quotation marks omitted), the district court correctly applied the arbitrary and capricious standard.
Based on First Unum’s interpretation of the treating physician’s records and correspondence, and the submitted disability date, which followed appellant’s termination, it concluded that appellant was not disabled, as defined in the disability policy, before her termination. Under this standard of review, we cannot conclude that First Unum’s decision was “without reason, unsupported by substantial evidence or erroneous as a matter of law.” Pagan v. NYNEX Pension Plan, 52 F.3d 438, 442 (2d. Cir. 1995) (internal quotation marks omitted). We have considered Flanagan’s remaining contentions and find them to be without merit.
Accordingly, the judgment of the District Court is hereby affirmed.
Reference
- Full Case Name
- Kelly Anne FLANAGAN v. FIRST UNUM LIFE INSURANCE
- Cited By
- 6 cases
- Status
- Published