Leffew v. Ford Motor Co.

258 F. App'x 772
CourtCourt of Appeals for the Sixth Circuit
DecidedDecember 14, 2007
Docket07-1346
StatusUnpublished
Cited by10 cases

This text of 258 F. App'x 772 (Leffew v. Ford Motor Co.) is published on Counsel Stack Legal Research, covering Court of Appeals for the Sixth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Leffew v. Ford Motor Co., 258 F. App'x 772 (6th Cir. 2007).

Opinion

RALPH B. GUY, JR., Circuit Judge.

Plaintiff Gregory Leffew appeals from the district court’s entry of judgment in favor of defendants Ford Motor Company, Unicare Life & Health Insurance Company, and Ford National Retirement Plan in this action challenging the denial of his claims for both extended disability benefits and disability retirement benefits under separate employee benefit plans governed by the Employee Retirement Income Security Act of 1974 (ERISA), 29 U.S.C. § 1132(a)(1)(B). Unicare, as a claims processor for Ford, terminated plaintiffs extended disability benefits in December 2002 without sending ERISA-compliant notice, and denied a claim for extended disability benefits after plaintiff was reinstated to employment in May 2003. Ford denied plaintiffs application for disability retirement benefits in April 2005, upon the determination that he was totally but not permanently disabled. After review of the record and the arguments presented on appeal, we affirm with respect to the extended disability claims but reverse and remand with respect to the claim for disability retirement benefits.

I.

Gregory Leffew was hired to work as a machine operator for Ford in March 1990. Plaintiff was eligible to participate in the UAW-Ford Life and Disability Plan, which provides accident and sickness benefits for short-term disability and extended disability benefits for long-term disability. A separate Retirement Plan provides disability retirement for eligible employees who become totally and permanently disabled. Both plans provide that Ford is the plan sponsor and administrator, although claims for extended disability benefits are initially submitted to Unicare for review.

A. Extended Disability Benefits

In August 2001, at age 44, plaintiff made a claim for accident and sickness benefits alleging disability due to an old neck injury, chest pain, and a testicular problem. The claim was approved, and plaintiff exhausted the 52-week maximum for accident and sickness benefits in September 2002. Plaintiff immediately began getting extended disability benefits that continued until plaintiffs treating physicians released him to return to work in December 2002. 1

Specifically, Unicare was advised by Dr. Judy Macy, a physician treating plaintiff for cervical radiculopathy, that plaintiff could return to work as of December 9, 2002. By all accounts, plaintiff did not return to work and his employment was terminated. Ford would later inform Uni-care that plaintiff was not discharged but had been terminated as a “10-day quit.” When plaintiff contacted Unicare in January 2003, he explained that he had not returned to work and had been terminated from employment with Ford. Unicare’s records include a letter drafted on January 23, 2003, but admittedly never sent, stating that plaintiff did not meet the requirements for extended disability benefits. Further entries reflect that plaintiff was in regular contact with Unicare and was advised by telephone that his benefits were *774 terminated effective December 15, 2002. At that time, Unicare also invited plaintiff to provide updated medical information.

Plaintiff then had his treating chiropractor, Dr. Gary Conant, contact Unicare on his behalf in early February 2003. At that time, Dr. Conant confirmed that plaintiff had been under treatment and unable to work in November 2002, but also reported that plaintiff had been released to return to work as of December 2, 2002. No further medical information was provided to Unicare, and no appeal was taken from the termination of his extended disability benefits.

On May 19, 2003, plaintiff was reinstated to employment with Ford but worked for only fifteen minutes. Plaintiff promptly filed a new claim with Unicare seeking disability benefits due to neck pain and depression. Dr. Conant advised Unicare that plaintiff was unable to work from May 19 through May 23, 2003, and Dr. Macy reported that plaintiff could not return to work between May 27 and June 30, 2003. Dr. Macy also indicated that plaintiff had not been seen since being released to work in December 2002. Unicare notified plaintiff in a letter dated June 9, 2003, that this claim was denied because his coverage had ended with the termination of his employment in December 2002, and he had not made an effective return to work upon reinstatement because he had not worked for at least one hour on or after May 19, 2003. The letter also advised plaintiff of his right to appeal; but no appeal was taken.

B. Disability Retirement

On June 2, 2003, plaintiff contacted Ford about applying for disability retirement benefits and mentioned that he had a pending application for social security disability benefits. Ford’s records note that plaintiff was asked to send a copy of the Social Security Administration (SSA) determination once it was received. After the retirement application was finally completed in December 2003, Ford sent plaintiff for an independent medical examination (IME). Before the IME, plaintiff apparently obtained a medical report from Dr. Macy documenting plaintiffs neck and back pain, referencing plaintiffs psychiatric consultations, and concluding that plaintiff was totally and permanently disabled. Although Dr. Macy’s February 10, 2004 report is not in the administrative record, this much was repeated in the IME’s report prepared by Dr. Maurice Castle. 2

Dr. Castle, an orthopedic surgeon, examined plaintiff on March 1, 2004, and concluded that plaintiffs physical limitations did not render him totally and permanently disabled from an orthopedic standpoint. In closing, Dr. Castle added that a psychiatrist would have to be consulted for an opinion regarding plaintiffs psychological problems. Without consulting a psychiatrist, Ford denied the application for disability retirement benefits. Ford sent notice to that effect in a letter dated April 30, 2004, and plaintiff appealed.

Ford requested another IME, this time from Dr. Edward Dorsey, a psychiatrist, who saw plaintiff on August 5, 2004. Dr. Dorsey’s report references a medical report from Dr. Nihal Saran, plaintiffs treating psychiatrist, and relates not only that Dr. Saran’s diagnosis was “bipolar affective disorder, depressed type, moderate to severe,” but also that Dr. Saran viewed plaintiffs prognosis as poor because the condition had been untreated and under- *775 treated for so long. After his own evaluation, Dr. Dorsey observed that plaintiff did not appear mentally ill and theorized that plaintiffs inability to return to work may have been attributed to “rapid maturation of a personality” suppressed by heavy substance abuse that stopped completely in 1986 (more than 15 years earlier).

Dr. Dorsey’s diagnosis included dysthymia with hypersomnia, and plaintiff was found to have a Global Assessment Functioning (GAF) score of 70. Dr. Dorsey concluded that plaintiff was not totally and permanently disabled, while agreeing that plaintiff was “unlikely to return to industrial labor of the type that he performed for ... Ford Motor Company.” Dr.

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258 F. App'x 772, Counsel Stack Legal Research, https://law.counselstack.com/opinion/leffew-v-ford-motor-co-ca6-2007.