Holt v. Continental Casualty Co.
This text of 379 F. Supp. 2d 1157 (Holt v. Continental Casualty Co.) is published on Counsel Stack Legal Research, covering District Court, D. Kansas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.
Opinion
MEMORANDUM & ORDER GRANTING DEFENDANT’S MOTION FOR SUMMARY JUDGMENT & DENYING PLAINTIFF’S MOTION FOR SUMMARY JUDGMENT
ROBINSON, District Judge.
This matter comes before the Court on cross motions by the parties: plaintiff Ed Holt’s Motion for Summary Judgment (Doc. 35) and defendant Continental Casualty Company’s (Continental) Cross Motion for Summary Judgment (Doc. 42). There is no genuine issue of material fact precluding a determination that Continental reasonably interpreted the terms of the long term disability plan, nor any such issue of fact precluding a conclusion that Continental’s denial of benefits was supported by substantial evidence. For these and other reasons stated below, Continental’s summary judgment motion is granted, and plaintiffs summary judgment motion is denied.
I. Uncontroverted Facts
The following facts are either uncontro-verted or stipulated. Plaintiff was employed by PRC, Inc. (PRC), as a Technician II, repairing color monitors. Plaintiff participated in a group long-term disability plan (the Plan), which is administered through an insurance contract that PRC purchased from Continental.
On April 6, 2000, plaintiff submitted an initial claim for benefits under the Plan, claiming that September 22, 1999 was the date he last worked prior to his current *1161 disability. Under the terms of the plan, benefits are payable from the day following satisfaction of the 180-day elimination period, which begins on the date that the participant becomes disabled. Benefits continue to be payable until the participant’s 65th birthday if the participant is 61 years of age or younger on the onset date of disability. Plaintiff was born on March 8, 1941, such that he was 58 years old on the alleged onset date and 61 years old when he submitted his initial claim for benefits under the Plan.
Based on plaintiff’s class of participation in the Plan, if found continuously disabled, his benefit would be 60% of his monthly earnings subject to a reduction of any deductible source of income listed in the Plan, such as social security disability benefits. The Social Security Administration found that plaintiff was disabled, as defined in the Social Security Act, with an onset date of September 23,1999. He was awarded social security disability benefits of $1079 per month, commencing March 2000.
Further, based on plaintiffs class of participation under the Plan, “disability” requires either satisfaction of an Occupation Qualifier or an Earnings Qualifier. 1 The Occupation Qualifier in his case provides:
[Djuring the Elimination Period and the following 12 months, Injury or Sickness causes physical or mental impairments to such a degree of severity that You are:
1. continuously unable to perform the Material and Substantial Duties of Your Regular Occupation; and
2. not working for wages in any occupation for which You are or become qualified by education, training or experience. 2
The Plan further defines “Material and Substantial Duties” as the necessary functions of the occupation that the participant is performing on the date of disability, which cannot be reasonably omitted or altered.
The Plan requires that the participant submit proof that he continues to be disabled and receive “appropriate and regular care from a doctor.” It also requires that proof of disability be based on objective medical evidence, such as clinical evidence.
The Plan further provides for a Work-site Modification Benefit:
We will assist you and Your employer in identifying modifications We agree are likely to help You remain at work or return to work. This agreement will be in writing and must be signed by You, Your employer and Us. When this occurs, We will reimburse Your employer for the cost of the modification, up to the greater: 1) $1,500.00 or 2) 2 months of Your net Monthly Benefit.
Under the terms of the Plan, PRC is the plan administrator. But Continental has discretionary authority, specified as: “When making a benefit determination under the policy, We have discretionary authority to determine Your eligibility for benefits and to interpret the terms and provisions of the policy.” CNA, Continental’s designee, investigated claims under the Plan and rendered decisions on interpretation and eligibility.
Plaintiffs Initial Claim
Plaintiff submitted his initial claim for long term disability benefits on April 6, 2000, claiming September 22, 1999 as the date he last worked prior to his current disability, and citing problems walking and *1162 standing. Plaintiff had had knee replacement surgery on November 14, 1999. On the claim form, plaintiff listed three primary care physicians, Doctors Fairchild, McCoy, and Knappenberger. Plaintiff identified only one instance of hospital confinement for the disability, on November 24, 1999 at St. Francis Hospital. Along with the claim form, plaintiff submitted a Physician’s Statement from Dr. Knappen-berger and an Employer’s Job Activities Statement.
In a Physician’s Statement dated February 22, 2000, Dr. Knappenberger, a specialist in orthopedics, stated plaintiffs diagnosis as “severe degenerative joint disease, pattelofemoral joint, right knee and long-standing diabetes, possible diabetic neuropathy type of pain in the lower extremity.” Dr. Knappenberger noted that he first examined plaintiff on October 15, 1999, and had most recently examined him on February 15, 2000. He further noted that plaintiff had a total right knee replacement on November 14, 1999 and that T.E.D. hose could be used to help control swelling and range of motion. And, he noted that he would continue to observe and recheek plaintiff in one month. On the second page of the Physician’s Statement, Dr. Knappenberger left blank the spaces provided for “Physical Limitations.” He noted that plaintiffs prognosis was “unknown at this time” and that he would recheck plaintiff on approximately March 17, 2000.
Along with the claim form, plaintiff also submitted an Employer’s Job Activities Statement (Job Statement), dated February 4, 2000. This Job Statement was completed by a PRC representative, who stated that plaintiffs job as a Technician II could be modified by assigning plaintiff to repair lighter weight monitors. The PRC representative further stated that on a daily basis, plaintiffs job required five hours of sitting, one hour of standing, one hour of walking, and one hour of bending. The representative also specified that on a daily basis, the job required up to four hours of lifting and up to one hour of carrying material.
In addition, the CNA Case Management Database indicates that plaintiffs claim included a February 2, 2000 letter from Ann Bush, the site administrator at PRC.
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MEMORANDUM & ORDER GRANTING DEFENDANT’S MOTION FOR SUMMARY JUDGMENT & DENYING PLAINTIFF’S MOTION FOR SUMMARY JUDGMENT
ROBINSON, District Judge.
This matter comes before the Court on cross motions by the parties: plaintiff Ed Holt’s Motion for Summary Judgment (Doc. 35) and defendant Continental Casualty Company’s (Continental) Cross Motion for Summary Judgment (Doc. 42). There is no genuine issue of material fact precluding a determination that Continental reasonably interpreted the terms of the long term disability plan, nor any such issue of fact precluding a conclusion that Continental’s denial of benefits was supported by substantial evidence. For these and other reasons stated below, Continental’s summary judgment motion is granted, and plaintiffs summary judgment motion is denied.
I. Uncontroverted Facts
The following facts are either uncontro-verted or stipulated. Plaintiff was employed by PRC, Inc. (PRC), as a Technician II, repairing color monitors. Plaintiff participated in a group long-term disability plan (the Plan), which is administered through an insurance contract that PRC purchased from Continental.
On April 6, 2000, plaintiff submitted an initial claim for benefits under the Plan, claiming that September 22, 1999 was the date he last worked prior to his current *1161 disability. Under the terms of the plan, benefits are payable from the day following satisfaction of the 180-day elimination period, which begins on the date that the participant becomes disabled. Benefits continue to be payable until the participant’s 65th birthday if the participant is 61 years of age or younger on the onset date of disability. Plaintiff was born on March 8, 1941, such that he was 58 years old on the alleged onset date and 61 years old when he submitted his initial claim for benefits under the Plan.
Based on plaintiff’s class of participation in the Plan, if found continuously disabled, his benefit would be 60% of his monthly earnings subject to a reduction of any deductible source of income listed in the Plan, such as social security disability benefits. The Social Security Administration found that plaintiff was disabled, as defined in the Social Security Act, with an onset date of September 23,1999. He was awarded social security disability benefits of $1079 per month, commencing March 2000.
Further, based on plaintiffs class of participation under the Plan, “disability” requires either satisfaction of an Occupation Qualifier or an Earnings Qualifier. 1 The Occupation Qualifier in his case provides:
[Djuring the Elimination Period and the following 12 months, Injury or Sickness causes physical or mental impairments to such a degree of severity that You are:
1. continuously unable to perform the Material and Substantial Duties of Your Regular Occupation; and
2. not working for wages in any occupation for which You are or become qualified by education, training or experience. 2
The Plan further defines “Material and Substantial Duties” as the necessary functions of the occupation that the participant is performing on the date of disability, which cannot be reasonably omitted or altered.
The Plan requires that the participant submit proof that he continues to be disabled and receive “appropriate and regular care from a doctor.” It also requires that proof of disability be based on objective medical evidence, such as clinical evidence.
The Plan further provides for a Work-site Modification Benefit:
We will assist you and Your employer in identifying modifications We agree are likely to help You remain at work or return to work. This agreement will be in writing and must be signed by You, Your employer and Us. When this occurs, We will reimburse Your employer for the cost of the modification, up to the greater: 1) $1,500.00 or 2) 2 months of Your net Monthly Benefit.
Under the terms of the Plan, PRC is the plan administrator. But Continental has discretionary authority, specified as: “When making a benefit determination under the policy, We have discretionary authority to determine Your eligibility for benefits and to interpret the terms and provisions of the policy.” CNA, Continental’s designee, investigated claims under the Plan and rendered decisions on interpretation and eligibility.
Plaintiffs Initial Claim
Plaintiff submitted his initial claim for long term disability benefits on April 6, 2000, claiming September 22, 1999 as the date he last worked prior to his current disability, and citing problems walking and *1162 standing. Plaintiff had had knee replacement surgery on November 14, 1999. On the claim form, plaintiff listed three primary care physicians, Doctors Fairchild, McCoy, and Knappenberger. Plaintiff identified only one instance of hospital confinement for the disability, on November 24, 1999 at St. Francis Hospital. Along with the claim form, plaintiff submitted a Physician’s Statement from Dr. Knappen-berger and an Employer’s Job Activities Statement.
In a Physician’s Statement dated February 22, 2000, Dr. Knappenberger, a specialist in orthopedics, stated plaintiffs diagnosis as “severe degenerative joint disease, pattelofemoral joint, right knee and long-standing diabetes, possible diabetic neuropathy type of pain in the lower extremity.” Dr. Knappenberger noted that he first examined plaintiff on October 15, 1999, and had most recently examined him on February 15, 2000. He further noted that plaintiff had a total right knee replacement on November 14, 1999 and that T.E.D. hose could be used to help control swelling and range of motion. And, he noted that he would continue to observe and recheek plaintiff in one month. On the second page of the Physician’s Statement, Dr. Knappenberger left blank the spaces provided for “Physical Limitations.” He noted that plaintiffs prognosis was “unknown at this time” and that he would recheck plaintiff on approximately March 17, 2000.
Along with the claim form, plaintiff also submitted an Employer’s Job Activities Statement (Job Statement), dated February 4, 2000. This Job Statement was completed by a PRC representative, who stated that plaintiffs job as a Technician II could be modified by assigning plaintiff to repair lighter weight monitors. The PRC representative further stated that on a daily basis, plaintiffs job required five hours of sitting, one hour of standing, one hour of walking, and one hour of bending. The representative also specified that on a daily basis, the job required up to four hours of lifting and up to one hour of carrying material.
In addition, the CNA Case Management Database indicates that plaintiffs claim included a February 2, 2000 letter from Ann Bush, the site administrator at PRC. Bush’s letter, addressed “to whom it may concern,’’explained that plaintiff spent most of his workday sitting at a workbench, except when he needed to retrieve or return an item to a shelf for inspection. Bush stated that plaintiffs co-workers could assist him with the lifting requirements of the job. She further stated that plaintiff would be required to walk only 225 feet from the front door to his work area and only 75 feet to the restroom.
Plaintiffs claim was initially approved for the period of March 21, 2000 through March 31, 2000, recognizing a 180-day elimination period commencing September 23, 1999 and ending March 20, 2000. Plaintiff was awarded $468.83 for this ten-day period of disability in March. On May 30, 2000, CNA advised plaintiff that it was still investigating his eligibility due to a continuing disability after March 31, 2000.
The Administrative Record
Between May 30 and August 7, 2000, CNA obtained medical records and conducted its investigation, before denying plaintiffs claim on August 7, 2000. In its investigation, CNA considered a number of medical records of treating physicians. These records include those of Dr. Fair-child, who had been plaintiffs physician since 1982, and who examined and treated plaintiff both before and after his knee replacement surgery in November 1999. 3 *1163 The records also include those of Dr. McCoy, who on referral from Dr. Fair-child, evaluated plaintiff in May and October 1999. CNA also considered records of Dr. Knappenberger beyond the Physician’s Statement included in the initial claim. Dr. Knappenberger had performed the knee replacement surgery in November 1999 and had continued to examine and treat plaintiff through May 2000.
The records reviewed by CNA give a chronological and contemporaneous account of plaintiffs complaints, symptoms, examination, treatment and results, from January 1999 through July 2000. Plaintiffs medical history, as recounted in Dr. Fairchild’s notes, includes a diagnosis of diabetes mellitus in approximately 1982 and symptoms of peripheral neuropathy. Plaintiff had been followed by Dr. Fair-child’s office for approximately fifteen years at the time of his surgery. On January 18, 1999, Dr. Fairchild noted evidence of skin lesions on the lower extremities; worse on the left leg. On April 21, 1999, although the examination primarily concerned plaintiffs diabetes, Dr. Fair-child noted that plaintiffs “main complaint is that of a painful area along the medial aspect of his left lower leg,” and that “[p]inprick and vibratory sense are diminished in the toes.” Dr. Fairchild advised plaintiff to notify him if these symptoms increased.
Dr. Fairchild also referred plaintiff to Dr. McCoy, a surgeon, to evaluate the possibility of total knee replacement surgery. To that end, Dr. McCoy examined plaintiff in May and October 1999; but Dr. McCoy told plaintiff he should attempt to lose weight before considering knee surgery. But, at the time of his surgery, in November 1999, plaintiff weighed 323 pounds.
Dr. Fairchild continued to see plaintiff during the time that plaintiff was being evaluated by Dr. McCoy. In July 1999, Dr. Fairchild noted that the pinprick and vibratory sense was intact in his toes and that there were no lesions on his feet or lower legs. On September 24, 1999, plaintiff presented complaining of severe pain in his right knee, which prohibited him from working. At this time, plaintiff was using a walker. Dr. Fairchild signed a work release for plaintiff until he was evaluated by Dr. McCoy.
Dr. Knappenberger performed the knee replacement surgery on plaintiffs right knee, on November 14, 1999. Dr. Fair-child examined plaintiff for the first time after his knee surgery on January 17, 2000. He noted that the right knee appeared to be improving, but that plaintiff was still having problems with swelling in both lower extremities and that pinprick and vibratory sense was diminished in the toes. He advised plaintiff to return in three months.
But plaintiffs next examination was by the surgeon, Dr. Knappenberger, who examined him on March 17, 2000. On that date, Dr. Knappenberger signed a note stating that plaintiff should not work until he was examined again on March 31. On March. 27, Dr. Knappenberger submitted a signed statement to PRC listing the nature of plaintiffs sickness or injury as “See previous reports & 1) status Post total knee arthroplasty; 2) Peripheral Vascular Disease, particularly of the left lower ex-tremit [sic].” He identified the most recent treatment date as March 17 and described plaintiffs physical restrictions as: “he can’ not do continued walking due to the pain and burning sensation in his feet. He will have arterial doppler studies.” In response to the question, “How do the symptoms interfere with the patient’s ability to perform their job functions?,” Dr. Knappenberger replied, “Yes.”
On March 31, 2000, Dr. Knappenberger examined plaintiff again, and noted that *1164 the results of the doppler studies “show that [plaintiff] has excellent blood flow down into the leg and the findings of that were discussed,” yet plaintiff continued to complain of the burning sensation in both of his lower extremities. Dr. Knappenber-ger further noted that “[c]ertainly from a total knee standpoint just individually by itself he would be capable of returning back to work. But with all his other problems that he has, we have both decided that he needs to just consider retirement or disability.... Again, this is due to recent knee surgery, this diabetes mellitus, to his neuropathy and exogenous obesity.” Dr. Knappenberger signed a work form that stated “Edward is to be off work permanently due to his knee and diabetic neuropathy.”
On May 12, 2000, in response to an inquiry from CNA, Dr. Knappenberger indicated that “[plaintiff] will be off of work permanently due to his exogenous obesity and diabetes mellitus with peripheral neu-ropathy” and attached examination notes from March 2000 4 On May 26, plaintiff returned to Dr. Knappenberger complaining of pain in his left knee. Dr. Knappen-berger indicated that the incision on his right knee was “well healed” and that he had “excellent range of motion;” but he noted that the left knee was subject to degenerative joint disease. Dr. Knappen-berger recommended a follow-up appointment in one year.
On July 17, 2000, Dr. Fairchild examined plaintiff, nothing that plaintiff had a longstanding chronic venous insufficiency, “which has been worse on the right side since his earlier surgery.” He noted further that pinprick and vibratory sense was absent in the toes, and that there were no skin lesions on the feet or lower extremities. It was further noted that plaintiff was using a cane or walker to ambulate. Dr. Fairchild recommended a follow-up appointment in three months.
In addition to the above described records of treating physicians, the administrative record includes an independent medical review performed by Dr. Stanley Askin, a Board Certified Orthopedic Surgeon, retained by CNA. In February 2000, CNA provided Dr. Askin with certain medical records:(l) the letter from Ann Bush describing the nature of plaintiffs employment activities; (2) a supplemental physician’s statement prepared by Dr. Knappenberger’s office describing the knee surgery and stating that plaintiff needed to be off work; (3) the disability claim prepared by plaintiff on September 23, 1999; and (4) a September 24, 1999 office note of Dr. Fairchild. Dr. Askin also spoke to an employee of Dr. Knap-penberger, who relayed that Dr. Knappen-berger believed plaintiff was capable of working in a sedentary capacity. Based on this conversation and above itemized records, and without physically examining plaintiff, Dr. Askin opined that there was no apparent medical impairment that precluded plaintiff from returning to work, at least in a sedentary capacity.
In addition to medical evidence and opinions, CNA investigator Tom McFadden interviewed plaintiff on the telephone on April 25, 2000. Plaintiff told McFadden that since his knee surgery, he has continued to suffer from swelling and ankle burning pain in his right leg, and he has needed the help of a cane for walking. He further advised that he tried to keep his leg propped up. As a result, plaintiff explained that he tried to keep it propped up. Plaintiff described his left leg as “black,” due to problems with his veins and tissues. He also complained that the pain in his lower extremities made it difficult to con- *1165 céntrate and perform his duties repairing monitors.
The administrative record also includes records evidencing that plaintiff was awarded Social Security disability benefits beginning in March 2000 for $1079 per month. The Social Security Administration found that plaintiff was disabled, as defined in the Social Security Act, beginning on September 23,1999.
Denial of Plaintiff’s Claim
Plaintiffs claim for continued disability benefits was initially denied by a letter dated August 7, 2000, and signed by McFadden. This denial letter explained:
[W]e have not been provided with any medical findings, which would support that your condition remains of a severity to produce restrictions preventing you from performing your occupational requirements beyond March 31, 2000. Although you have other diagnosis [sic] and remain under the care of a physician, there is no medical evidence to establish that these conditions have changed as a result of your knee replacement surgery.
The letter cited the Occupation Qualifier from the Plan for the definition of disability. The letter also referenced various items of medical evidence in support of the denial of benefits. The letter further explained that based on plaintiffs receipt of social security benefits, and pursuant to the offset provision in the Plan, plaintiffs long-term disability award for the ten day period of March 21-31, 2000, was now reduced, and that plaintiff was responsible for an overpayment of $323.70.
On October 2, 2000, plaintiffs attorney submitted a written request for reconsideration of the denial. Plaintiffs attorney attempted to supplement the record, by enclosing a letter from plaintiff and additional records from Dr. Fairchild, Dr. McCoy, and St. Francis hospital.' McFadden again denied the claim by letter dated October 6, 2000, stating that the new information did not constitute medical evidence that plaintiffs condition was disabling under the Plan as described in the initial denial. McFadden then forwarded plaintiffs claim to the Appeals Area for review. In a November 16, 2000 letter addressed to plaintiffs attorney, CNA denied plaintiffs appeal. Citing the Occupation Qualifier in the Plan, CNA explained that based on plaintiffs medical records, CNA could not conclude that he had functional limitations that would prevent him from performing his job with modifications, or a job with any other employer.
II. Summary Judgment
Summary judgment is appropriate “if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law.” 5 A fact is only material under this standard if a dispute over it would effect the outcome of the suit. 6 An issue is only genuine if it “is such that a reasonable jury could return a verdict for the nonmoving party.” 7 The inquiry essentially determines if there is a need for trial, or whether the evidence “is so one-sided that one party must prevail as a matter of law.” 8
The moving party bears the initial burden of providing the court with the basis for the motion and identifying those por *1166 tions of the record that show the absence of a genuine issue.of material fact. 9 “A movant that will not bear the burden of persuasion at trial need not negate the nonmovant’s .claim.” 10 The burden may be met by showing that there is no evidence to support the nonmoving party’s case. 11 If this- initial burden is met, the nonmovant must then “go beyond the pleadings and ‘set for specific facts’ that would be admissible in evidence in the event of trial from which a rational trier of fact could find for the nonmovant.” 12 “Where, as here, the parties file cross motions for summary judgment, we are entitled to assume that no evidence needs to be considered other than that filed by the parties, but summary judgment is nevertheless inappropriate if disputes remain as to material facts.” 13 When examining the underlying facts of the case, the Court is cognizant that it may not make credibility determinations or weigh the evidence. 14
III. Standard of Review and Burden of Proof
The parties stipulate that the appropriate standard of review of Continental’s decision to deny long-term disability benefits is the arbitrary and capricious standard. 15 But they disagree about the degree of deference that should be afforded CNA’s decision under the arbitrary and capricious sliding-scale of review articulated by the Tenth Circuit in Fought v. Unum Life Insurance Co. of America. 16 There, the Tenth Circuit explained that when a plan administrator or fiduciary under ERISA retains discretionary authority under the plan to decide eligibility for benefits or the terms of the plan, the court should apply an arbitrary and capricious standard of review. 17
Because the parties agree that Continental has discretionary authority to determine eligibility for benefits and to interpret the terms and provisions of the policy, the arbitrary and capricious standard of review applies. Additionally, as Magistrate Judge Sebelius ruled in his November 2, 2004 Order, under the arbitrary and capricious standard of review, the Court is limited to the administrative record when reviewing an insurer’s decision to terminate benefits. 18 In applying an arbitrary and capricious standard of review, this Court will only consider the arguments and evidence before CNA at the time it made its decision. 19
However, “when an insurance company serves as ERISA fiduciary to a plan composed solely of a policy or contract issued by that company, it is exercis *1167 ing discretion over a situation for which it incurs direct, immediate expense as a result of benefit determinations favorable to plan participants.” 20 In the case of a plan administrator or fiduciary operating under a conflict of interest, the conflict must be weighed as a factor in determining whether the decision to terminate benefits was arbitrary and capricious. 21 The Tenth Circuit had previously adopted a “sliding-scale” approach to address the varying levels of deference given to a conflicted fiduciary’s decision. 22 Under this approach, “the arbitrary and capricious standard may be a range, not a starting point.” 23 The degree of deference to be given is decreased on a sliding scale in proportion to the degree of the conflict. 24
In Fought, the Tenth Circuit crafted the appropriate deference to correspond to either a standard conflict of interest, or an inherent conflict of interest. 25 A standard conflict of interest exists where a “fiduciary may wear two hats, one of a trustee or fiduciary and one of a settlor.” 26 In such a situation, the plaintiff must prove the existence of a conflict. 27 However,
When the plan administrator operates under either (1) an inherent conflict of interest; (2) a proven conflict of interest; or (3) when a serious procedural irregularity exists, and the plan administrator has denied coverage, an additional reduction in deference is appropriate. Under this less deferential standard, the plan administrator bears the burden of proving the reasonableness of its decision pursuant to this court’s traditional arbitrary and capricious standard. In such instances, the plan administrator must demonstrate that its interpretation of the terms of the plan is reasonable and that its application of those terms to the claimant is supported by substantial evidence. The district court must take a hard look at the evidence and arguments presented to the plan administrator to ensure that the decision was a reasoned application of the terms of the plan to the particular case, untainted by the conflict of interest. 28
The Court finds that there is an inherent conflict of interest in this case, as Continental was the issuer of the policy and its designee, CNA, exercised its own discretion in determining that plaintiffs claim did not fall within the coverage of the plan. The Court must consider as a factor Continental’s potential benefit by denying plaintiffs eligibility for benefits under the terms of the Plan.
Indeed, Continental appears to concede that it has an inherent conflict of interest as the “claim adjudicator and the insurer” 29 of the Plan; therefore, it bears the *1168 burden of proving that it meets the traditional arbitrary and capricious standard. Notably, Continental argues in a footnote that this shift in burden of proof does not apply unless the case involves an exclusion for coverage. The Court disagrees. Although Fought dealt with a case where the plaintiffs claim was denied based upon a pre-existing condition provision in the Plan, it did not limit its holding to inherent conflicts of interest under that set of facts. The court merely explained that its formulation of the shift in burden of proof for inherent conflict of interest cases is additionally supported by the fact that prior ERISA case law had imposed such a burden in exclusion cases. 30
Because the Court finds an inherent conflict of interest in this case, Continental must prove that its interpretation of the policy was reasonable and that its application to plaintiffs claim was based on substantial evidence. “Substantial evidence is such evidence that a reasonable mind might accept as adequate to support the conclusion reached by the [decision-maker], Substantial evidence requires more than a scintilla but less than a preponderance.” 31 In reviewing Continental’s decision, the Court will take a hard look at the evidence and arguments presented to Continental to determine if the decision was tainted by the conflict. Continental maintains that even under this stricter standard, there is no genuine issue of material fact over whether its decision to terminate plaintiffs disability benefits was reasonable and based on substantial evidence.
IV. Discussion
A. Procedural Objections
Continental objects to plaintiffs attempt to attach disclosures made under Fed. R.Civ.P. 26 as part of the summary judgment record. The Court overrules Continental’s objection, as it is moot. In this case, the Rule 26 disclosures entailed only a list of individuals and entities, along with their addresses, with knowledge of the facts of this case; a request for production of the administrative record; a computation of damages; and a request for production of the Plan. All of the listed individuals are also referenced in the administrative record. The only facts derived from the “witness” list in this disclosure are irrelevant to the issues presented on summary judgment.
Continental also objects to plaintiffs citations to certain quoted material based on the “rule of completeness,” found in Fed. R.Evid. 106. The Court sustains this objection and will not consider any fact as undisputed that is not an accurate reflection of material found in the administrative record.
Finally, Continental objects that certain factual statements made by plaintiff do not comport with D. Kan. R. 56.1, which requires all references to undisputed facts to contain a citation to the summary judgment record. Again, the Court sustains Continental’s objection and will not consider as undisputed any fact that is not supported by the summary judgment record.
B. Terms of the Plan
Plaintiff argues that Continental was unreasonable in its interpretation of *1169 two terms in the Plan: the definition of disability; and the Plan language concerning whether plaintiffs job could be modified to accommodate his limitations. The Court will address each in turn.
Plaintiff argues that Continental incorrectly construed the definition of disability in the Plan by requiring that his “injury or sickness” entirely stem from his knee surgery. The Occupation Qualifier definition of disability requires that the participant’s
Injury or Sickness cause(s) physical or mental impairment .... to such a degree of severity that You are: 1. Continuously unable to perform the Material and Substantial Duties of Your Regular Occupation; and 2. not working for wages in any occupation for which You are or become qualified by education, training or experience.
The Court must only determine if Continental’s interpretation of this language is reasonable. Continental’s interpretation was that plaintiff was not disabled because his limitations, as they relate to his knee surgery, were not supported by the medical record and preexisted his disability leave. Further, the medical records indicated continuing improvement in plaintiffs right knee.
The Court finds that plaintiff misconstrued Continental’s interpretation of the disability definition provided in the Plan. Continental’s decision did not rely upon an interpretation of disability that required that all limitations be linked to the surgery. Rather, Continental’s decision was primarily based on its finding that plaintiff was not continually disabled as contemplated by the Plan, because the medical evidence did not support functional limitations that would prevent plaintiff from working. Plaintiffs true objection is to Continental’s application of the Plan to him, which will be discussed below. The Court finds that there is no genuine issue of material fact concerning whether Continental reasonably interpreted the term “disability” under the Plan.
Plaintiff also objects to Continental’s interpretation of the job modification provision in the Plan. The Plan requires that any plan to modify work requirements be in writing and signed by plaintiff. Plaintiff argues that because he did not sign the Job Statement nor the letter from Ann Bush, neither document complies with this requirement. Thus, plaintiff submits that any consideration of modified terms of his job as a Technician II is improper and an unreasonable application of Plan terms.
But the Court finds no genuine issue of material fact that Continental’s construction of Plan terms on this issue was reasonable. To-be sure, the terms of the modification provision do require the agreement to be in writing in order for the employer to be reimbursed for such accommodation. This provision is under the heading: ,cWhat Other Services Are Available to You while You are Disabled? ” But this is not a provision that deals with the review process for a claim of disability. The terms of the Plan do not prohibit Continental from considering offers by the employer to modify work requirements when determining a claim for disability. Again, plaintiffs quarrel is not with Continental’s interpretation of plan terms, but with Continental’s application of those terms to him. The Court finds that Continental has sustained its burden of proving that its interpretation of the terms of the Plan was reasonable and untainted by any conflict of interest.
C. Application of Plan Terms to Plaintiff
The crux of plaintiffs objections to Continental’s denial of coverage concerns its application of the Plan terms to him. Under the applicable standard, Continental must prove that its decision was *1170 based upon substantial evidence-or more than a scintilla-and this Court must take a hard look at the evidence to assure itself that the decision was untainted by any conflict of interest. Plaintiff argues that Continental’s decision was arbitrary and capricious because Continental: (1) ignored uncontroverted medical evidence that he is disabled; (2) failed to consider the fact that plaintiff was awarded Social Security disability benefits; (3) ignored the Job Statement, which stated that he was required to be on his feet for three hours per day; and (4) failed to follow the proper administrative procedures required by federal regulations. The Court addresses each challenge to Continental’s decision in turn, evaluating whether Continental has shown that no genuine issue of material fact exists with regard to its decision, under an arbitrary and capricious standard of review.
1. Objective Medical Evidence
The Plan requires a claimant to submit objective medical findings with a claim for benefits as proof of disability. The Plan defines objective medical findings as including, but not limited to tests, procedures, or clinical examinations accepted in the practice of medicine. The Plan also requires proof of the extent of the claimant’s disability, including restrictions and limitations that prevent the claimant from performing his regular occupation.
Plaintiff contends that CNA ignored objective medical evidence of changed or ongoing medical conditions since his knee surgery: diabetes mellitus, neuropathy, 32 blackening of the skin in his leg, arthritis in his right ankle, pain in his legs, and the fact that he is not a candidate for surgery. But CNA reviewed the medical records. The administrative record shows that CNA considered evidence from Dr. Knappenber-ger, Dr. Fairchild, St. Francis Hospital, Dr. McCoy, and an independent review by Dr. Askin. Although the initial denial letter referred only to reports of Dr. Knap-penberger and Dr. Fairchild, the appeal denial letter referenced more of the medical record.
CNA did not ignore Dr. Knappenber-ger’s opinion of disability; rather, CNA found that Dr. Knappenberger’s opinion was not supported by objective medical evidence. 33 CNA found that the objective medical evidence was that plaintiff left work on September 22, 1999 because of pain in his right knee; and that on November 24, 1999 Dr. Knappenberger performed surgery, replacing the right knee. CNA found that Dr. Knappenberger’s examination notes consistently reflected improvement in the right knee after surgery.
Moreover, on March 31, 2000, Dr. Knap-penberger noted that “from a total knee standpoint just individually by itself he would be capable of returning to work.” Although Dr. Knappenberger went on to state that “with all his other problems ... we have both decided that he needs to just consider retirement or disability,” CNA aptly found that this note does not constitute objective medical evidence. Rather, *1171 this note simply relays a conversation, or an agreement between Dr. Knappenberger and the plaintiff.
Furthermore, despite being given the opportunity on CNA’s review forms, Dr. Knappenberger failed to explain or quantify the extent of plaintiffs disability, i.e. what specific functional limitations prevented plaintiff from performing his job. CNA also gave weight to the fact that at his May 26, 2000 examination of plaintiff, Dr. Knappenberger recommended a follow-up appointment in one year, which of course belies the claim that plaintiff suffered from a “sickness” or “injury” that prevented him from performing his job.
Nor did CNA ignore Dr. Knappenber-ger’s findings concerning plaintiffs complaints of other problems in his lower extremities. Although the doctor -cited probable diabetic neuropathy as a cause of plaintiffs symptoms, Dr. Knappenberger did not submit evidence of any clinical tests performed aside from the doppler studies in March 2000, which showed “excellent blood flow” to the leg. Yet there were no other “tests, procedures, or clinical examinations” referred to by Dr. Knappenberger or submitted by him to CNA in support of plaintiffs cited problems with his lower extremities.
CNA also concluded that these other conditions cited by plaintiff existed prior to his surgery. It cited medical history from Dr. Fairchild that referred to his diabetes diagnosis in 1982. Prior to the November 1999 surgery, Dr. Fairchild’s notes also referenced symptoms of neuropathy such as reduced sensation in the feet to a pinprick test, swelling, and pain, along with plaintiffs problem with weight. Moreover, despite Dr. McCoy’s advice that plaintiff lose weight before the knee replacement surgery, plaintiff weighed 323 pounds at the time of the surgery. CNA reasonably concluded that this all evidences that these other conditions and symptoms preexisted plaintiffs surgery. Rather than suggesting that these conditions must have originated with the knee surgery, CNA points out that none of the objective medical evidence supports that these conditions were worsened by the knee surgery.
Furthermore, CNA rejected Dr. Knap-penberger’s opinion because his diagnosis and description of disabling conditions appeared to change over time, calling his credibility into question. In February 2000, he stated plaintiffs diagnosis as severe degenerative joint disease, pattelo-femoral joint, right knee and long-standing diabetes, and possible diabetic neuropathy type of pain in the lower extremity. On March 27, 2000, Dr. Knappenberger submitted a signed statement to PRC listing the nature of plaintiffs sickness or injury as “See previous reports & 1) status Post total knee arthroplasty; 2) Peripheral Vascular Disease, particularly of the left lower extremit [sic].” Four days later, on March 31, 2000, Dr. Knappenberger cited plaintiffs conditions as the recent knee surgery, diabetes mellitus, neuropathy, and exogenous obesity. And om May 12, 2000, he stated that plaintiff should not work because of exogenous obesity and diabetes mellitus with peripheral neuropathy, along with degenerative joint disease in the left leg. In fact, Dr. Knappenberger’s inconsistent diagnoses led CNA, in May 2000, to seek additional objective medical evidence to determine the nature of plaintiffs continuing disability.
Plaintiff suggests that Continental acted in bad faith because it knew that Dr. Knappenberger was on vacation at the time that Continental requested records from him. Plaintiff fails, however, to develop this allegation into an argument. The record shows that CNA attempted to contact Dr. Knappenberger in May 2000 to acquire objective medical evidence, during its investigation of plaintiffs claim. Dr. *1172 Vosburgh signed a typed response to the form questionnaire submitted to Dr. Knap-penberger. There is no evidence in the record that supports the bad faith argument alleged.
Under the Plan, plaintiff was required to submit objective medical evidence, such as tests and clinical findings, as proof of his continuing disability. The Court finds that Continental has sustained its burden of coming forward with substantial evidence to support its rejection of plaintiff’s claim on this ground. Continental cited objective medical evidence that suggested plaintiffs limitations were strictly due to conditions that predated the knee replacement surgery, and were not aggravated by the surgery to a degree that would meet the Plan definition of disability. It found that the symptoms of neuropathy, discoloration, swelling and pain in his legs, and diabetes were all documented by medical evidence before Dr. Fairchild referred plaintiff to an orthopedic surgeon for possible right knee replacement surgery and before plaintiff was unable to work. Furthermore, there were no tests or clinical findings in the administrative record that showed these conditions worsened after his surgery.
In sum, the only evidence Continental discounted, was Dr. Knappenberger’s opinion, which relied only on plaintiffs subjective complaints, and which was not supported by any objective medical evidence. Plaintiffs reliance on medical evidence of other conditions or symptoms, is of no avail. None of this medical reeords:(l) specifically describes his functional limitations, or (2) opines that the conditions render him unable to perform his job or any job for which he may qualify. Most of these notations simply relay plaintiffs subjective complaints of functional limitations, not a physician’s objective findings of such.
Dr. Fairchild, for example, examined plaintiff for a number of years prior to surgery and noted that plaintiff demonstrated the symptoms that he now complains of as far back as January 1999. Yet in July 2000, Dr. Fairchild did not note any skin discoloration or lesions on plaintiffs extremities. And although he noted that plaintiff suffered from longstanding venous insufficiency that had been worse on the right side since surgery on the right knee, Dr. Fairchild did not recommend a follow-up appointment for three months, nor did he opine that plaintiffs functional limitations rendered him unable to work.
Continental also relied on Dr. Askin’s report, which also supported its decision. Plaintiff contends that this non treating physician’s opinion should be accorded little weight because he never examined plaintiff and was only provided with a fraction of his medical records. Plaintiff also suggests that because CNA did not explicitly rely on Dr. Askin’s opinion in the initial denial, it should not be considered part of the administrative record. But the Tenth Circuit explained in Fought that where “a conflict of interest may impede the plan administrator’s impartiality, the administrator best promotes the purposes of ERISA by obtaining an independent evaluation.” 34 Moreover, Fought does not require that the review rely upon a physical examination of the claimant. In contrast to the social security disability review process, nothing in ERISA or its regulations requires the court to accord special deference to the opinions of treating physicians. 35
*1173 In this instance, the Court determines that there is no genuine issue of material fact concerning whether Continental is able to demonstrate more than a scintilla of objective medical evidence to support its decision, with or without the report by Dr. Askin. Plaintiffs own treating physicians failed to provide conclusive, consistent opinions about plaintiffs functional limitations or his disabling condition(s). Therefore, although Dr. Askin’s report buttresses Continental’s determination, it is not essential.
2. Social Security Award
Plaintiff claims that Continental’s decision was arbitrary and capricious because it did not give weight to the fact that plaintiff was found disabled under the Social Security Act and awarded benefits. Plaintiff further argues that Continental holds contradictory positions by claiming, on the one hand, that it is not bound by the Social Security award, while on the other hand subjecting his long-term disability award under the Plan to an offset of social security benefits received. While the administrative record demonstrates that CNA was informed of plaintiffs award of Social Security benefits, the record does not demonstrate that CNA considered the findings made by the Social Security Commissioner. Such findings are not part of the record. Therefore, the Court finds that there is a genuine issue of material fact over how much weight, if any, CNA afforded plaintiffs Social Security award. Standing alone, however, this does not defeat Continental’s showing that its decision was based on substantial evidence, since the criteria for deciding whether to award Social Security benefits are different from the criteria set forth in the Plan, and CNA was not bound by findings made in the social security case. 36
3. Job Statement
Plaintiff contends that CNA’s decision was arbitrary and capricious, because it ignores the Job Statement that evidenced his job required him to be on his feet three hours a day. Plaintiff further contends that he was not informed of any offer by PRC to modify the requirements of his job to accommodate his medical condition.
Under the Plan, CNA found that plaintiff was “continuously [jable to perform the Material and Substantial Duties” of his job. The Plan defines “Material and Substantial Duties,” as “the necessary function of Your Regular Occupation which cannot be reasonably omitted or altered.” In making this finding, it is clear from McFadden’s denial letter that CNA relied on the Job Statement in applying the plan provision to plaintiffs set of circumstances. McFadden explained that plaintiffs regular occupation required him to sit for the majority of the time. This was consistent with the Job Statement, which stated that plaintiffs job required sitting for five hours per day. McFadden also relied on PRC’s statement that plaintiff could be accommodated, by getting a co-worker to help with the lifting requirements of the job. Plaintiff does not controvert this finding, rather plaintiff merely objects that there was nó written modification plan communicated to him and bearing his signature.
The Court will address the procedural arguments made by plaintiff in the next section. Plaintiff does not present a genu *1174 ine issue of material fact that he would be unable to perform the “Material and Substantial Duties” of his job, as it is defined under the Plan, nor does he point to evidence other than the Job Statement to support this contention. 37
4. Administrative Procedures
Plaintiff argues that Continental: (1) violated federal regulations by not adequately providing the basis for the denial to plaintiff; and (2) failed to ask plaintiff to provide it with medical evidence of his specific restrictions that prevented him from working. Plaintiff asks the Court to take judicial notice of 29 C.F.R. 2560.503-1(g). 38 The relevant portion of that regulation provides:
(g) Manner and content of notification of benefit determination.
(1) Except as provided in paragraph (g)(2) of this section, the plan administrator shall provide a claimant with written or electronic notification of any adverse benefit determination. Any electronic notification shall comply with the standards imposed by 29 CFR 2520.104b — l(c)(l)(i), (iii), and (iv). The notification shall set forth, in a manner calculated to be understood by the claimant—
(i)The specific reason or reasons for the adverse determination;
(ii) Reference to the specific plan provisions on which the determination is based;
(iii) 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;
(iv) A description of the plan’s review procedures and the time limits applicable to such procedures, including a statement of the claimant’s right to bring a civil action under section 502(a) of the Act following an adverse benefit determination on review; ... 39
The authority for this regulation is derived from 29 U.S.C. § 1133, which requires every covered plan to provide adequate notice to a participant whose claim is denied, setting forth the specific reasons for denial. 40 It also requires the plan to allow such a participant a full and fair review of the decision. 41
Plaintiff raises this argument for the first time in his summary judgment briefs. The pretrial order states that plaintiff only asserts one theory of recovery: that Continental’s decision to deny him long-term disability benefits was arbitrary and capricious pursuant to 29 U.S.C. § 1132(a)(1)(B). He has previously asserted no claim for a violation of section 1133, which provides the authority for the regu *1175 lations plaintiff asks this Court to take judicial notice of. In any event, a plaintiff who alleges a violation of ERISA’s procedural requirements may not recover against a plan administrator, but only has a remedy against the plan itself. 42
Even if a private cause of action was available to plaintiff for a violation of these regulations, plaintiff failed to assert such an allegation in the pretrial order. Rule 16(e) of the Federal Rules of Civil Procedure provides that the pretrial order “shall control the subsequent course of action unless modified by a subsequent order.” “An order entered pursuant to Rule 16(e) supersedes the pleadings and controls the subsequent course of litigation .... ‘the pretrial order measures the dimensions of the lawsuit, both in the trial court and on appeal.’ ” 43 The Court finds that the pretrial order does not describe the acts or omissions that give rise to an allegation that defendant failed to follow the appropriate procedures in deciding plaintiffs claim. It also does not explain any allegation of the sort. Because plaintiff failed to advance this argument in the pretrial order, it is waived. 44
Plaintiff suggests that Continental improperly failed to advise him of the medical evidence necessary to “perfect his claim,” violating the cited regulations. The Court will limit its analysis of this argument to whether or not this evidence may present a genuine issue of material fact concerning whether Continental was arbitrary and capricious. The Tenth Circuit dealt squarely with this issue in Gwither v. Aetna Life Insurance Co. 45 In that case, plaintiff urged that defendant had a duty to obtain more information about his claim before denying benefits, and that failure to do so was evidence that defendant acted arbitrarily and capriciously. 46 The court explained that, “nothing in ERISA requires plan administrators to go. fishing for evidence favorable to a claim when it has not been brought to their attention that such evidence exists.” 47 However, the court went on to explain that it must not only look to the minimum requirements under ERISA, but to the terms of the plan itself to evaluate whether a decision is arbitrary and capricious. 48
Here, plaintiff makes a sweeping claim that’defendant violated an ERISA regulation and that this is proof of an arbitrary and capricious decision. Plaintiff fails to point to any specific language in the Plan that supports this claim. As already discussed, the Plan explicitly provides that plaintiff must submit certain types of items as proof of disability. The Plan also provides,
You may be asked to submit proof that You continue to be Disabled and are *1176 continuing to receive Appropriate and Regular Care of a Doctor. Requests of this nature will only be as often as We feel reasonably necessary. If so, this will be at Your expense and must be received within 30 days of Our request.
The language in the Plan is similar to defendant’s plan language in Gaither-it requires the insurance company to request the necessary information, but requires the claimant to then submit the requested information. Unlike in Gaither, CNA did request the objective medical evidence from Dr. Knappenberger that it needed to evaluate plaintiffs claim. On May 12, 2000, Patricia LaBerge, the nurse case manager handling plaintiffs case for CNA, faxed Dr. Knappenberger a request for information stating:
[Y]ou have recommended permanent disability/retirement due to all of his problems, not just his knee surgery. I need clinical evidence to support that, as well as any restrictions you could recommend. I have attached a copy of his Job Activity Statement. Please review it, complete this questionnaire, and fax your responses to me. Please attach any supportive clinical notes.
Dr. Knappenberger’s response to this request was signed by Dr. Craig Vosburgh. He attached the examination notes from plaintiffs examinations on March 21 and March 31, 2000 that CNA had already received.
Therefore, even when information was requested, Dr. Knappenberger failed to provide CNA with the objective evidence it requested to support his opinion. Even before this request was made, Dr. Knap-penberger failed to provide CNA with information it asked on claim forms. In the initial claim form, he left blank the space where he was to fill in plaintiffs physical limitations. In his March 27, 2000 statement to PRC, he did not answer the questions about how plaintiffs symptoms affect his job functions.
In Gaither, the court concluded that the defendant’s decision was arbitrary and capricious because it made no attempt to contact a doctor to obtain clarification of an uncontroverted medical condition. The situation in this case is much different, primarily for two reasons. First, CNA did attempt to acquire additional objective medical evidence and proof of disability on a number of occasions. Second, CNA based its denial on the fact that, after acquiring all of the objective medical evidence, there was no support for a finding of disability under the terms of the Plan. The Court finds that Continental has shown a lack of evidence to support any genuine issue of material fact on this issue. Moreover, plaintiff is unable to point the Court to any evidence that would create a genuine issue of material fact on the issue. Plaintiff does not contend that objective medical evidence existed that CNA failed to obtain during the course of its investigation. Instead, plaintiff appears to argue that CNA was required to outline in its denial the test results or other evidence that would justify it granting long-term disability benefits. There is no basis in law for such an assertion. The Court finds that under both ERISA and the Plan terms, there is no genuine issue of material fact that CNA reasonably interpreted the Plan and supported that decision with substantial evidence.
V. Conclusion
The Court finds that, under an arbitrary and capricious standard of review, summary judgment is appropriate in favor of the defendant, Continental. Continental has shown that there is no genuine issue of material fact as to whether its interpretation of Plan terms is reasonable. Further, Continental has shown that there is no *1177 genuine issue of material fact over whether application of the Plan terms to the plaintiff were supported by more than a scintilla, but less than a preponderance of the evidence. Due to Continental’s inherent conflict of interest, the Court has taken a hard look at the evidence and arguments presented during the investigation and determines that it was untainted by the conflict of interest. Similarly, plaintiff is unable to demonstrate upon its motion for summary judgment a genuine issue of material fact under the arbitrary and capricious standard, even considering the lesser deference that this Court is to attribute to Continental’s decision.
IT IS THEREFORE ORDERED BY THE COURT THAT Plaintiffs Motion for Summary Judgment (Doc. 35) is DENIED and defendant’s Motion for Summary Judgment (Doc. 42) is GRANTED.
IT IS SO ORDERED.
. The Earnings Qualifier allows for a participant to be considered disabled, based on his or her ability to earn money in any occupation for which he or she is qualified.
. Words italicized in the Plan are emphasized in the original document. The italicized words are defined further later in the Plan.
. Upon initial review, CNA had received records from Dr. Fairchild for the period between October 12, 1999 through July 17, 2000.
. The Court notes that this form was faxed to CNA and signed by Craig L. Vosburgh, M.D.
. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248, 106 S.Ct. 2505, 91 L.Ed.2d 202 (1986).
. Id.
. Id. at 251-52, 106 S.Ct. 2505.
. Celotex Corp. v. Catrett, 477 U.S. 317, 323, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986).
. Thom v. Bristol-Myers Squibb Co., 353 F.3d 848, 851 (10th. Cir.2003) (citing Celotex Corp., 477 U.S. at 325, 106 S.Ct. 2548).
. James Barlow Family Ltd. P’ship v. David M. Munson, Inc., 132 F.3d 1316, 1319 (10th Cir.1997) (citing Harrison Western Corp. v. Gulf Oil Co., 662 F.2d 690, 691-92 (10th Cir.1981)), cert. denied, 523 U.S. 1048, 118 S.Ct. 1364, 140 L.Ed.2d 513 (1998).
. Matsushita Elec. Indus. Co. v. Zenith Radio, 475 U.S. 574, 587, 106 S.Ct. 1348, 89 L.Ed.2d 538 (1986).
. Pretrial Order, Doc. 34, at 2 ¶ 3e (Nov. 2, 2004).
. 379 F.3d 997 (10th Cir.2004), cert. denied., - U.S. -, 125 S.Ct. 1972, 161 L.Ed.2d 872 (2005).
. Id. at 1003.
. Id.; see Allison v. Unum Life Ins. Co., 381 F.3d 1015, 1021 (10th Cir.2004).
. Sandoval v. Aetna Life & Casualty Ins. Co., 967 F.2d 377, 380 (10th Cir.1992).
. Pitman v. Blue Cross & Blue Shield, 217 F.3d 1291, 1296 (10th Cir.2000) (quoted in Fought, 379 F.3d at 1003).
. Fought, 379 F.3d at 1003 (citing Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 115, 109 S.Ct. 948, 103 L.Ed.2d 80 (1989)).
. See id. at 1004 (citing Chambers v. Family Health Plan Corp., 100 F.3d 818, 825 (10th Cir.1996)).
. Id. at 1004 (internal citations omitted).
. Id. at 1005-07.
. Id. at 1005.
. Id.
. The Court notes that the Plan terms list PRC as the plan administrator. (Doc. 36, at 23.) From a review of the administrative record, it appears that PRC submitted much of the paperwork from plaintiff, the company, and/or plaintiff's physicians to CNA. However, it is clear that PRC had no decision-making authority under the terms of the plan or the framework of the administrative process. Continental does not appear to contradict that CNA processed plaintiff's claim, interpreted the Plan, and stood to financially gain as the designee of the insurer if plaintiff's claim was unsuccessful.
. Fought, 379 F.3d at 1007; accord Smith v. Metropolitan Life Ins. Co., 344 F.Supp.2d 696, 701(D.Colo.2004) (explaining that under Fought, the level of discretion and standard of review turns on the role of the decisionmaker and not on whether “coverage” or "benefits” are at issue).
. Sandoval v. Aetna Life & Casualty Ins. Co., 967 F.2d 377, 382 (10th Cir.1992).
. The Merck Manual explains that neuropa-thy in the feet is a common long-term complication for sufferers of diabetes mellitus. Neu-ropathy in the feet is described as damage to the nerves, which affects sensation to the feet, so pain is often not felt. Therefore, "neuropa-thy” appears to encompass some of the other symptoms that plaintiff cites as part of his disability such as the lack of pinprick response or lack of pulse in his feet. See Merck Manual of Medical Information, Hormonal Disorders, Diabetes Mellitus (2d ed.2003), available at www.merck.com (last visited June 20, 2005).
. Both letters explained that although the objective medical evidence supported a conclusion that plaintiff had a medical condition, it did not support a finding of disability.
. Fought v. Unum Life Ins. Co., 379 F.3d 997, 1015 (10th Cir.2004), cert. denied., - U.S. -, 125 S.Ct. 1972, 161 L.Ed.2d 872 (2005).
. Black & Decker Disability Plan v. Nord, 538 U.S. 822, 823, 123 S.Ct. 1965, 155 L.Ed.2d 1034 (2003).
. Smith v. Metropolitan Life Ins. Co., 344 F.Supp.2d 696, 703 (D.Colo.2004) (citing Pari-Fasano v. ITT Hartford Life & Accident Ins. Co., 230 F.3d 415, 420 (1st Cir.2000)); cf. Eye v. Metropolitan Life Ins. Co., 202 F.Supp.2d 1204, 1211 (D.Kan.2002) (explaining that although a social security determination is not binding, there was no evidence in the record that it was even considered).
.Plaintiff suggests that CNA was inconsistent in explaining which “Qualifier” under the Plan he failed to satisfy in order to prove disability. Despite the fact that plaintiff fails to develop this argument, the Court notes that CNA consistently cited the Occupation Qualifier as a basis for denial of the claim. That Qualifier required both an inability to continuously perform the material and substantial duties of his regular occupation, and that he not be working for wages in any occupation that he is or could be qualified for. This provision of the Plan was quoted in both the initial denial letter, as well as the appeal denial letter.
. Although plaintiff repeatedly cites 29 C.F.R. 2560.503 — 1(f), the Court agrees with Continental that plaintiff likely intended to cite 29 C.F.R. 2560.503-1 (g), which governs the manner and content of notification of benefit determinations; whereas subsection (f) only deals with the timing of such notifications.
. Walter v. Int’l Ass’n of Machinists Pension Fund, 949 F.2d 310, 315-16 (10th Cir.1991); Devers v. Quivira, Inc., 35 F.Supp.2d 1282, 1288 n. 10 (D.Kan. 1998).
. Tyler v. City of Manhattan, 118 F.3d 1400, 1403 (10th Cir.1997) (quoting Hullman v. Bd. of Trustees, 950 F.2d 665, 668 (10th Cir.1991) (internal citation omitted)).
., Chambers v. Family Health Plan Corp., 100 F.3d 818, 822 (10th Cir.1996) (explaining that a general reference to ERISA violations in the pretrial order is insufficient to preserve procedural issues for appeal when not raised in the district court); see, e.g., Devers, 35 F.Supp.2d at 1288 n. 10 ("As an initial matter, plaintiff failed to assert in the pretrial order any claim for civil penalties stemming from defendant's untimely response. Thus, any cause of action plaintiff may havé had arising out of defendant's untimely response to his claim for benefits is deemed waived and the court need not address it.").
. 394 F.3d 792.(10th Cir.2004).
. Id. at 804.
Related
Cite This Page — Counsel Stack
379 F. Supp. 2d 1157, 2005 U.S. Dist. LEXIS 15450, 2005 WL 1793442, Counsel Stack Legal Research, https://law.counselstack.com/opinion/holt-v-continental-casualty-co-ksd-2005.