Mark Messing v. Provident Life & Accident Ins.

CourtCourt of Appeals for the Sixth Circuit
DecidedAugust 27, 2024
Docket23-1824
StatusUnpublished

This text of Mark Messing v. Provident Life & Accident Ins. (Mark Messing v. Provident Life & Accident Ins.) 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
Mark Messing v. Provident Life & Accident Ins., (6th Cir. 2024).

Opinion

NOT RECOMMENDED FOR PUBLICATION File Name: 24a0371n.06

No. 23-1824

UNITED STATES COURT OF APPEALS FOR THE SIXTH CIRCUIT FILED Aug 27, 2024 KELLY L. STEPHENS, Clerk ) MARK M. MESSING, ) Plaintiff-Appellant, ) ON APPEAL FROM THE ) UNITED STATES DISTRICT v. ) COURT FOR THE WESTERN ) DISTRICT OF MICHIGAN PROVIDENT LIFE & ACCIDENT INS. CO., ) Defendant-Appellee. ) OPINION )

Before: CLAY, ROGERS, and KETHLEDGE, Circuit Judges.

CLAY, J., delivered the opinion of the court in which KETHLEDGE, J., joined in full, and ROGERS, J., joined in part and in the result. ROGERS, J. (pg. 13), delivered a separate concurring opinion.

CLAY, Circuit Judge. Under the Employee Retirement Income Security Act of 1974

(“ERISA”), 29 U.S.C. § 1001 et seq., “reasonable attorney’s fees and costs” are available to either

party at the district court’s discretion, so long as that party achieved some success on the merits.

See id. § 1132(g)(1). After successfully appealing the denial of his long-term disability benefits

before this Court, Plaintiff Mark Messing sought attorneys’ fees on remand. Despite his clear

success in getting his monthly benefits reinstated, the district court denied his request. Although

we disagree with the district court’s holding that attorneys’ fees were not warranted in this case,

Messing nonetheless failed to submit sufficient evidence to show the reasonableness of his request

for over $250,000 in attorneys’ fees. For the reasons set forth below, this Court AFFIRMS the

district court’s order denying Plaintiff’s request for attorneys’ fees. No. 23-1824, Messing v. Provident Life & Accident Ins. Co.

I. BACKGROUND

A. Factual Background

For nearly twenty years of his life, Messing worked as a full-time personal injury lawyer.

In August 1985, Messing purchased a long-term disability (“LTD”) insurance policy from

Defendant Provident Life and Accident Insurance Company. The terms of Messing’s policy

provide for lifetime benefits for disability due to sickness starting before the age of 60.

Specifically, if Messing was deemed unable to perform the substantial and material duties of his

occupation, the policy would provide him with monthly payments of $3,080 for life.

After struggling with depression for several years, Messing was admitted to the hospital

for his depression in January 1997. Although Messing attempted to return to work following his

hospitalization, his depression continued to significantly affect his daily life, and he never returned

to full-time capacity. At the time, Messing was approximately 43 years old. In March 1998,

Messing filed a claim with Provident, explaining that his severe depression and psychiatric

condition prohibited him from working as an attorney. Provident approved Messing’s claim.

However, since this initial approval, Messing has faced a consistent uphill battle to receive the

payouts to which he is entitled under the policy that he purchased.

Indeed, mere months after Provident’s approval of Messing’s claim, Provident reversed

course and terminated Messing’s benefits, prompting Messing to bring suit in federal court. After

the district court ruled that it would review the language and application of the policy de novo,

instead of deferring to Provident’s benefits determination, Provident quickly agreed to a settlement

with Messing and resumed monthly payments. Then, in 2007 and 2011, Provident offered lump

sum settlements to Messing, which would have allowed Provident to terminate Messing’s monthly

2 No. 23-1824, Messing v. Provident Life & Accident Ins. Co.

benefit payments by paying a mere percentage of the present total value of Messing’s policy.

Messing declined these offers.

Meanwhile, without the extreme stress of his prior occupation as a trial attorney, Messing’s

symptoms related to his chronic depression began to improve. In 2012, Messing was able to stop

taking his depression medicine but continued to regularly attend therapy. Six years later, without

any evidence that Messing’s disability status had changed, Provident initiated a full review of

Messing’s restrictions and limitations. Senior Disability Specialist, Jennifer Crowley, requested

updated records from Messing’s treating psychiatrist, Dr. Laura Franseen. Provident’s in-house

specialist, Dr. Alex Ursprung, then reviewed Dr. Franseen’s report and noted that it was unclear

whether Messing could return to work. Provident also hired an independent consultant to fly in,

Dr. Craig Lemmen, who conducted a lengthy interview with Messing and concluded that “[t]here

[was] no objective evidence that [Messing] would not be able to practice as an attorney, should he

desire to do so.” Lemmen Rep., R. 38-15, Page ID #2494. Based on its spontaneous investigation,

Provident determined that Messing was “in remission” and accordingly terminated Messing’s

payments on October 26, 2018. Although Messing appealed and provided significant competing

evidence that clearly indicated he could not return to performing the substantial duties of his

occupation as a trial attorney, Provident’s appeals division affirmed the termination of Messing’s

benefits.

B. Procedural History

In April 2020, Messing brought suit in district court pursuant to ERISA, seeking the

recovery of withheld benefits and the reinstatement of monthly payments. During the pendency

of this litigation, Provident learned that Messing had performed a handful of legal services between

3 No. 23-1824, Messing v. Provident Life & Accident Ins. Co.

1999 and 2013. Based on this information, Provident brought a counterclaim seeking to recover

overpaid benefits pursuant to § 502(a)(3) of ERISA, 29 U.S.C. § 1132(a)(3).

The district court affirmed the termination of Messing’s benefits, holding that the weight

of the evidence in the administrative record supported the conclusion that Messing was no longer

disabled. In addition, the district court granted Messing summary judgment on Provident’s

counterclaim, concluding that Provident could not show that it had been induced into making

payments it otherwise would not have made.

Both parties appealed, and we affirmed the district court’s judgment disposing of

Provident’s counterclaim. See Messing v. Provident Life & Accident Ins. Co., 48 F.4th 670, 686

(6th Cir. 2022). However, we reversed the district court’s determination that Provident properly

terminated Messing’s benefits. Id. at 682. Applying de novo review, we determined that the

preponderance of the evidence showed that Messing remained unable to return to work as an

attorney. Id. at 679–82. Specifically, only Messing’s doctor, Dr. Callaghan, directly addressed

the question of whether Messing could return to work, and “[h]e squarely stated Messing could

not.” Id. at 680.

Following Messing’s success on appeal and reinstatement of benefits, he sought to recover

his attorneys’ fees and costs in district court. Despite Messing’s clear victory in this litigation, the

district court held that Provident was not sufficiently “culpable” to warrant an award of attorneys’

fees in Messing’s favor. The court highlighted the purported closeness of the case, explaining that

both parties’ positions had merit.

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Mark Messing v. Provident Life & Accident Ins., Counsel Stack Legal Research, https://law.counselstack.com/opinion/mark-messing-v-provident-life-accident-ins-ca6-2024.