Gloria Jean Beal Merchant v. Frank Bisignano, Commissioner of Social Security

District Court, E.D. California·Decided June 8, 2026·No. 1:25-cv-00372·Unknown

Opinion

EASTERN DISTRICT OF CALIFORNIA

GLORIA JEAN BEAL MERCHANT, Case No. 1:25-cv-00372-KES-SKO

FINDINGS AND RECOMMENDATIONS Plaintiff, RECOMMENDING THAT PLAINTIFF’S MOTION FOR SUMMARY JUDGMENT BE GRANTED, THE FINAL DECISION OF v. THE COMMISSIONER OF SOCIAL SECURITY BE REVERSED, AND THE FRANK BISIGNANO, ACTION BE REMANDED TO THE Commissioner of Social Security,1 COMMISSIONER FOR FURTHER Defendant. (Doc. 11)

1 4-DAY DEADLINE _____________________________________/

On March 27, 2025, Plaintiff Gloria Jean Beal Merchant (“Plaintiff”) filed a complaint seeking judicial review of a final decision of the Commissioner of Social Security (the “Commissioner” or “Defendant”) denying her application for disability insurance benefits (DIB) under the Social Security Act (the “Act”). (Doc. 1.) The matter is currently before the Court on the parties’ briefs, which were submitted, without oral argument, to the Honorable Sheila K. Oberto,

1 On May 6, 2025, Frank Bisignano was appointed the Commissioner of the Social Security Administration. See https://www.ssa.gov/news/press/releases/2025/#2025-05-07. He is therefore substituted as the defendant in this action. See 42 U.S.C. § 405(g) (referring to the “Commissioner’s Answer”); 20 C.F.R. § 422.210(d) (“the person holding the United States Magistrate Judge.2 For the reasons set forth below, the undersigned recommends that Plaintiff’s motion for summary judgment be granted, that the final judgment of the Commissioner be reversed, and that the action be remanded to the Commissioner for further proceedings. Plaintiff was born in 1955, has some college education, and previously worked as a loan officer and a job coach. (Administrative Record (“AR”) 24, 26, 43, 119, 128, 150, 458, 471, 477, 517.) Plaintiff filed a claim for DIB payments on February 25, 2020, alleging she became disabled on October 20, 2019, due to high blood pressure, fibromyalgia, a stomach condition, a heart condition, type 2 diabetes, [chronic obstructive pulmonary disease] (COPD), a lower back condition, a thyroid condition, a vision condition, and depression. (AR 119–20, 128, 129, 471, 477, 517.) She thereafter amended her alleged onset date to November 5, 2014. (AR 143.) A. Administrative Proceedings The Commissioner denied Plaintiff’s application for benefits initially on October 21, 2020, and again on reconsideration on March 17, 2021. (AR 165–69, 177–82.) Following a hearing, an Administrative Law Judge (ALJ) issued a written decision on April 13, 2022, finding Plaintiff not disabled. (AR 143–52.) The Appeals Council granted Plaintiff’s request for review on February 6, 2023. (AR 160–62.) On remand, the Appeals Council directed the assigned ALJ to conduct a de novo hearing, to take any further action needed to complete the record, and to issue a new written decision. (AR 160–62.) At the hearing held on April 9, 2024, Plaintiff appeared via teleconference with counsel and testified before an ALJ as to her alleged disabling conditions and work history. (AR 43–57.) A vocational expert (VE) also testified at the hearing. (AR 57–59.) The ALJ thereafter issued a new decision once again finding Plaintiff not disabled. (AR 17–27.) B. The ALJ’s Decision In a decision dated June 14, 2024, the ALJ found that Plaintiff was not disabled, as defined

2 The matter was referred to a United States Magistrate Judge pursuant to 28 U.S.C. § 636(b)(1)(B) and Local Rule 302. by the Act. (AR 17–27.) The ALJ conducted the five-step disability analysis set forth in 20 C.F.R. § 404.1520. (AR 20–27.) The ALJ decided that Plaintiff met the insured status requirements of the Act through June 30, 2016, and she had not engaged in substantial gainful activity from October 20, 2019, through June 30, 2016 (step one).3 (AR 20.) At step two, the ALJ found Plaintiff’s fibromyalgia to be severe. (AR 20–22.) Plaintiff did not have an impairment or combination of impairments that met or medically equaled one of the listed impairments in 20 C.F.R. Part 404, Subpart P, Appendix 1 (“the Listings”) (step three). (AR 22–23.) The ALJ then assessed Plaintiff’s residual functional capacity (RFC)4 and applied the assessment at steps four and five. See 20 C.F.R. § 404.1520(a)(4) (“Before we go from step three to step four, we assess your residual functional capacity . . . . We use this residual functional capacity assessment at both step four and step five when we evaluate your claim at these steps.”). The ALJ determined that Plaintiff had the RFC: to perform light work as defined in 20 CFR [§] 404.1567(b) except never climb ladders, ropes or scaffolds or work around heavy machinery. Occasionally stoop, kneel, crouch and crawl. Would need to wear prescription lenses and glasses. (AR 23–26.) Although the ALJ recognized that Plaintiff’s impairments “could reasonably be expected to cause the alleged symptoms[,]” the ALJ rejected Plaintiff’s subjective testimony as “not entirely consistent with the medical evidence and other evidence in the record for the reasons explained in [the] decision.” (AR 24.) The ALJ determined that Plaintiff could perform her past relevant work as a loan officer and a job coach (step four). (AR 26–27.) The ALJ concluded Plaintiff was not disabled from October 20, 2019, through June 30, 2016. (AR 27.)

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Gloria Jean Beal Merchant v. Frank Bisignano, Commissioner of Social Security, (E.D. Cal. 2026).

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