Lawrence Husick v. Unum Life Insurance Co. of America

CourtDistrict Court, E.D. Pennsylvania
DecidedNovember 21, 2025
Docket2:21-cv-05599
StatusUnknown

This text of Lawrence Husick v. Unum Life Insurance Co. of America (Lawrence Husick v. Unum Life Insurance Co. of America) is published on Counsel Stack Legal Research, covering District Court, E.D. Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Lawrence Husick v. Unum Life Insurance Co. of America, (E.D. Pa. 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA

LAWRENCE HUSICK : : CIVIL ACTION v. : : NO. 21-cv-5599 UNUM LIFE INSURANCE CO. OF : AMERICA

MEMORANDUM ORDER

AND NOW, this 21st day of November, 2025, upon consideration of the parties’ motions in limine listed below, and all documents submitted in support thereof and in opposition thereto, it is ORDERED as follows: 1. Plaintiff’s Motion in Limine Seeking to Preclude the Admission of the Opinions of Kathleen Hancock, RN, Dr. Judith Cohen, Dr. Joseph Palermo and Dr. Peter Brown into Evidence (ECF No. 67) is DENIED. Plaintiff Lawrence Husick (“Plaintiff” or “Husick”) does not seek to preclude the opinions of these medical professionals entirely, but, rather, to bar Defendant Unum Life Insurance Company of America (“Defendant” or “Unum”) from using these experts’ reports to prove the truth of the matters asserted therein (theoretically, Plaintiff’s alleged lack of disability). As Plaintiff acknowledges, “[e]vidence should not be excluded pursuant to a motion in limine, unless it is clearly inadmissible on all potential grounds.” Seawright v. Banning, 677 F. Supp. 3d 310, 313 (E.D. Pa. 2023) (quoting Leonard v. Stemtech Health Scis., Inc., 981 F. Supp. 2d 273, 276 (D. Del. 2013)). (See also Pl.’s Mem., ECF No. 67-1, at 13 (citing Leonard, 981 F. Supp. 2d at 276).) Since Plaintiff concedes that the evidence at issue is relevant in certain respects, his motion to preclude such evidence for other purposes is premature. Objections as to the use of such evidence will be considered at trial. 2. Plaintiff’s Motion in Limine Seeking to Limit Defendant’s Defense to Plaintiff’s Claim for Residual Disability Benefits to the Basis Articulated in its Denial Letters (ECF No. 68) is DENIED. In his motion, Plaintiff argues that because Unum never requested any financial information from Plaintiff when it was considering his claim and instead based its denial on a

purported lack of medical evidence of physical or cognitive limitations, Defendant should be precluded from defending its coverage denial at trial with evidence or argument that Plaintiff did not sustain sufficient income loss to be financially eligible for residual disability benefits. Plaintiff bases this argument on two related legal theories—equitable estoppel and the “mend the hold” doctrine—both of which are inapplicable to the present facts and circumstances. “[T]he elements of equitable estoppel are (1) an inducement, whether by act, representation, or silence when one ought to speak, that causes one to believe the existence of certain facts; (2) justifiable reliance on that inducement; and (3) prejudice to the one who relies if the inducer is permitted to deny the existence of such facts.” Firemen’s Ins. Co. of Washington, D.C. v. Tray-Pak Corp., 130 F. Supp. 3d 973, 984 (E.D. Pa. 2015) (quoting Chem. Bank v.

Dippolito, 897 F. Supp. 221, 224 (E.D. Pa. 1995) (citing Zivari v. Willis, 611 A.2d 293, 295 (Pa. Super. Ct. 1992))). “It is well-established under Pennsylvania law that the burden rests on the party asserting estoppel to establish the defense by clear, precise and unequivocal evidence.” Chrysler Credit Corp. v. First Nat. Bank & Trust Co. of Washington, 746 F.2d 200, 206 (3d Cir. 1984) (citing Blofsen v. Cutaiar, 333 A.2d 841, 844 (Pa. 1975)). The “mend the hold” doctrine instructs that “[w]here a party gives a reason for his conduct and decision touching any thing involved in a controversy, he cannot, after litigation has begun, change his ground, and put his conduct upon another and a different consideration.” Ohio & Miss. Ry. Co. v. McCarthy, 96 U.S. 258, 267 (1877). Although more quaintly named, the “mend the hold” doctrine is essentially a form of estoppel, requiring the party asserting the doctrine to “demonstrate prejudice that resulted from Defendant’s change of position.” See Easy Corner, Inc. v. State Nat’l Ins. Co., Inc., 154 F. Supp. 3d 151, 154 n.3 (E.D. Pa. 2016) (noting that Plaintiff’s assertion of “mend the hold” doctrine was “an estoppel argument” requiring demonstration of prejudice resulting from change in the

basis for insurer’s coverage denial); Rock-Epstein v. Allstate Ins. Co., No. 07-2917, 2008 WL 4425059, at *4 (E.D. Pa. Sept. 29, 2008) (holding that “mend the hold” doctrine did not bar insurer from asserting coverage defenses not included in denial letter, “particularly because Plaintiff cannot show prejudice or even surprise from [insurer’s] defenses”). Although it largely skirts analysis of the foregoing legal elements, Plaintiff’s argument as to both his equitable estoppel and “mend the hold” theories seems to be that Unum’s failure to undertake financial calculations during the claim-assessment process or to mention income in its denial letter induced Plaintiff to believe that this breach of contract action would involve only a dispute over his medical condition, which prejudiced Plaintiff by leading him to omit from evidence certain financial information and analyses relevant to his claims. However, Plaintiff offers no facts suggesting that Unum intended

such an inducement or explaining how reliance thereon could be justifiable, nor does he offer any rule or principle under Pennsylvania law requiring an insurer to provide all bases for a claim rejection in its denial letter. Moreover, courts in this District applying Pennsylvania law have held that “in the context of an insurer’s failure to assert all possible defenses to coverage, the courts apply an estoppel only when there is actual prejudice, that is, when the failure to assert all possible defenses causes the insured to act to his detriment in reliance thereon.” Mendel v. Home Ins. Co., 806 F. Supp. 1206, 1215 (E.D. Pa. 1992); see also Easy Corner, Inc., 154 F. Supp. 3d at 154 n.3. Regardless of the reasons for Defendant’s denial, the burden is on Plaintiff to establish the elements of his breach of contract claim, and the fact that Defendant did not perform the calculations necessary to substantiate damages does not justify Husick’s failure to collect and produce relevant financial information during discovery. Since Plaintiff has not shown inducement, justifiable reliance, or resulting prejudice, neither equitable estoppel nor the “mend the hold” doctrine applies. Unum’s defense will not be limited to the basis articulated in its denial letters.

3. Plaintiff’s Motion in Limine Seeking to Exclude All Evidence Concerning the Plaintiff’s Income from Sources Not Covered Under the Policy of Insurance (ECF No. 69) is GRANTED IN PART, with respect to the specific amounts of supplementary income earned by Plaintiff, and DENIED IN PART, with respect to descriptions of his alternative income sources. We agree with Plaintiff that the probative value of discrete income amounts received by Plaintiff from sources outside of his regular occupation is outweighed by a substantial risk of unfair prejudice under Federal Rule of Evidence 403, as Plaintiff’s apparent wealth could affect a jury’s willingness to grant him a monetary award for any reduction in his still substantial income.

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