Alice Jennifer Stone-Lowe v. Commissioner of Social Security

District Court, E.D. California·Decided April 8, 2026·No. 2:25-cv-00002·Unknown

Opinion

ALICE JENNIFER STONE-LOWE, No. 2:25-cv-00002-DAD-SCR Plaintiff, v. FINDINGS AND RECOMMENDATIONS SECURITY, Defendant.

Plaintiff seeks judicial review of a final decision of the Commissioner of Social Security (“Commissioner”), denying her application for disability insurance benefits (“DIB”) under Title II of the Social Security Act, 42 U.S.C. §§ 401-34, and for Supplemental Security Income (“SSI”) under Title XVI of the Social Security Act (“the Act”), 42 U.S.C. §§ 1381-1383f.1 For the reasons that follow, the court recommends granting Plaintiff’s motion for summary judgment, denying Defendant’s cross-motion, and remanding for further proceedings.

1 DIB is paid to disabled persons who have contributed to the Disability Insurance Program, and who suffer from a mental or physical disability. 42 U.S.C. § 423(a)(1); Bowen v. City of New York, 476 U.S. 467, 470 (1986). SSI is paid to financially needy disabled persons. 42 U.S.C. § 1382(a); Washington State Dept. of Social and Health Services v. Guardianship Estate of Keffeler, 537 U.S. 371, 375 (2003) (“Title XVI of the Act, § 1381 et seq., is the Supplemental Security Income (SSI) scheme of benefits for aged, blind, or disabled individuals, including children, whose income and assets fall below specified levels . . .”). Plaintiff applied for DIB and separately for SSI on May 20, 2020, alleging in both a disability onset date of May 1, 2018. Administrative Record (“AR”) 17.2 The applications were disapproved initially on August 5, 2020 and on reconsideration on November 18, 2020. AR 17. On July 16, 2021 and October 15, 2021, ALJ Judith Kopec presided over hearings on Plaintiff’s challenge to the disapprovals. AR 36-45 (July 16 transcript), 46-88 (October 15 transcript). Plaintiff appeared in propria persona and testified at the hearing. AR 46, 48-49, 59-80. Vocational Expert (“VE”) Cathleen Spencer also testified. AR 80-85. On March 21, 2022, ALJ Judith Kopec issued an unfavorable decision, finding Plaintiff “not disabled” under Sections 216(i) and 223(d) of Title II of the Act, 42 U.S.C. §§ 416(i), 423(d), and Section 1614(a)(3)(A) of Title XVI of the Act, 42 U.S.C. § 1382c(a)(3)(A). AR 17- 30 (decision), 31-35 (exhibit list). On January 31, 2023, after receiving a Request for Review as Exhibit 19B, dated April 7, 2022, and a Representative Brief as Exhibit 20E, dated June 25, 2022, the Appeals Council denied Plaintiff’s request for review, leaving the ALJ’s decision as the final decision of the Commissioner. AR 1-3 (decision), 4-5 (exhibit list). On March 22, 2023, Plaintiff challenged the denial in Stone-Lowe v. Commissioner of Social Security, Case No. 2:23−CV−00545−KJN (“Stone-Lowe I”). AR 613-16. On August 24, 2023, pursuant to the parties’ stipulation, the matter was remanded to the Commissioner for further proceedings. AR 607, 616. On February 7, 2024, the Appeals Council held that ALJ Kopec’s decision “did not sufficiently articulate how [Plaintiff’s] statements about her back symptoms were inconsistent with other evidence in the record” and had discounted statements from medical providers that supported Plaintiff’s assertions without explanation. AR 620-21. It noted that although the decision summarized various medical records, it failed to explain how these records were inconsistent with Plaintiff’s testimony. AR 620. It also questioned ALJ Kopec’s conclusion that Plaintiff’s treatment history was inconsistent with allegations of worsening back pain. AR 620-21. On October 1, 2024, ALJ Vincent Misenti presided over a second telephonic hearing. AR

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Alice Jennifer Stone-Lowe v. Commissioner of Social Security, (E.D. Cal. 2026).

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