Respess v. Travelers Cas. & Sur. Co. of America

770 F. Supp. 2d 751, 2011 U.S. Dist. LEXIS 28531, 2011 WL 904405
CourtDistrict Court, D. Maryland
DecidedMarch 15, 2011
DocketCivil Action No.: ELH-10-2937
StatusPublished
Cited by21 cases

This text of 770 F. Supp. 2d 751 (Respess v. Travelers Cas. & Sur. Co. of America) is published on Counsel Stack Legal Research, covering District Court, D. Maryland primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Respess v. Travelers Cas. & Sur. Co. of America, 770 F. Supp. 2d 751, 2011 U.S. Dist. LEXIS 28531, 2011 WL 904405 (D. Md. 2011).

Opinion

AMENDED MEMORANDUM OPINION 1

ELLEN LIPTON HOLLANDER, District Judge.

Patricia Respess committed suicide in 2008. As a result of Ms. Respess’s death, her husband, James Respess, individually and as personal representative of the Estate of Patricia Respess, Plaintiffs, filed suit against Travelers Casualty & Surety Company of America and The Travelers Indemnity Company of America (collectively, “Insurers” or “Defendants”), alleging claims for intentional infliction of emotional distress (Count One); gross negligence (Count Two); and wrongful death (Count Three), based on the Insurers’ refusal to authorize 24-hour supervised care for Ms. Respess. 2 Mr. Respess contends that because Defendants refused to authorize the 24-hour supervised care that Ms. Respess needed, she ingested an overdose of her blood pressure medication on May 5, 2008, and died four days later, on May 9, 2008. See Compl. (ECF 2) ¶¶ 10, 35.

The suit is rooted in an incident that occurred in 1987, when Ms. Respess was physically and sexually assaulted while working for National Medical Care, Inc. (“NMC”). Id. ¶ 7. As a result of the incident, Ms. Respess suffered numerous psychiatric conditions, for which she obtained workers’ compensation benefits. Id. ¶ 8. Defendants are the insurance companies that insured NMC with respect to the workers’ compensation benefits provided to Ms. Respess. They have moved to dismiss the Complaint, pursuant to Fed. *754 R.Civ.P. 12(b)(6), claiming it fails to state a claim.

The issues have been fully briefed, and no hearing is necessary to resolve this matter. See Local Rule 105.6. For the reasons set forth below, the Court shall grant the Defendants’ Motion to Dismiss the Complaint, without prejudice, and shall grant Plaintiffs 20 days leave to amend.

FACTUAL BACKGROUND

As noted, Ms. Respess was physically and sexually assaulted in 1987, while at work. Compl. ¶ 7. As a result of the incident, she suffered from various psychiatric conditions, including Post Traumatic Stress Disorder (“PTSD”), major depressive disorder with severe and recurrent psychotic symptoms, conversion disorder, dissociative identity disorder, and personality disorder. Id. ¶ 8. Ms. Respess “began receiving treatment for these in approximately 1999 to 2000.” 3 Id. ¶¶ 9, 10. From the outset of Ms. Respess’s treatment until her death in 2008, the Insurers “approved and paid” her medical expenses, “pursuant to a worker’s compensation claim.” Id. ¶ 10.

On or about January 2, 2008, Ms. Respess was admitted to the Mental Health Facility at Peninsula Regional Medical Center in Salisbury, Maryland for “depression, anxiety and flashbacks.” Id. ¶ 12. She was transferred to the “Trauma Disorders Program at Sheppard Pratt,” as an in-patient, on January 23, 2008, and remained there until her discharge on April 25, 2008. Id. ¶¶ 12, 13, 16. 4 Upon discharge, Ms. Respess returned to her home. Id. ¶¶ 14,19.

During the weeks preceding her discharge from Sheppard Pratt, Ms. Respess “experienced flashbacks,” and told her physicians and counselors of her fear of discharge and her suicidal thoughts. Id. ¶¶ 15, 16. On April 11, 2008, while still hospitalized, Ms. Respess expressed difficulty in “finding a ‘treatment team’ ” near her Eastern Shore residence. Id. ¶ 17. On April 21, 2008, she told her physicians and counselors that “she was discouraged because she did not feel that any outpatient medical providers would give her the care that she needed.” Id. ¶ 18. In addition, two weeks prior to his wife’s discharge, Mr. Respess asked Sheppard Pratt counselors to place his wife in a step-down facility, in lieu of a discharge without any supervision. 5 Id. ¶ 20.

Five days after Ms. Respess’s discharge, Rebecca Rementer, a home health care nurse, visited Ms. Respess to assess her progress. Id. ¶ 21, 6 Ms. Rementer determined that Ms. Respess had fallen several times since her discharge; was anxious and depressed; and was experiencing paranoid hallucinations as well as recurrent suicidal thoughts. Id. ¶¶ 22, 25. Ms. Rementer learned from Ms. Respess’s medical history that, in the past, Ms. Respess had attempted suicide by overdosing. Id. After Ms. Respess disclosed to Ms. Rementer that she had “accidentally” taken double doses of her medications two nights earlier, Ms. Rementer concluded that Ms. *755 Respess was practicing unsafe medication management. Id. f ¶ 22, 23.

In Ms. Rementer’s view, Ms. Respess’s “prognosis was poor.” Id. ¶ 26. Moreover, Ms. Rementer believed that Ms. Respess urgently needed 24-hour supervision and, if psychiatric assistance were not provided, Ms. Respess would further decline. Id. ¶ 26. Accordingly, Ms. Rementer called the Defendants, advising of Ms. Respess’s suicidal thoughts, and stating that Ms. Respess needed 24-hour supervised care. 7 Id. ¶ 27. Nevertheless, the Defendants “refused to authorize the needed treatment.” Id.

Thereafter, Ms. Rementer enlisted the assistance of Martin Book, M.D., a psychiatrist who had previously treated Ms. Respess. Id. ¶ 28. Dr. Book called the Defendants and requested “immediate” 24-hour supervised care for Ms. Respess. 8 Id. However, Defendants again refused to authorize 24-hour supervised care, “even though [they] were aware that Ms. Respess’ psychiatric condition had declined since her discharge from Sheppard Pratt 5 days earlier,” and knew of her “long history” of psychiatric illness. Id. ¶ 29.

Ms. Respess’s condition continued to decline. Id. ¶ 30. On or about May 4, 2008, Mr. Respess wrote a letter to Sheppard Pratt expressing his concern regarding his wife’s declining health, and requesting that she be placed in a residential setting with 24-hour supervision. Id. ¶ 31. 9 Defendants stated that, although Ms. Respess’s psychiatrist had diagnosed her with PTSD, “they did not believe that [she] actually suffered from PTSD....” Id. ¶ 32. 10 On May 5, 2008, Ms. Respess wrote a suicide note stating that “she did not have any fight in her to challenge the Defendants anymore____” Id. ¶ 34. On that date, she took an overdose of her blood pressure medication, fell into a coma, and died four days later, on May 9, 2008. Id. ¶¶ 10, 34, 35.

STANDARD OF REVIEW

As noted, Defendants have moved to dismiss the Complaint, pursuant to Fed. R.Civ.P.

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Bluebook (online)
770 F. Supp. 2d 751, 2011 U.S. Dist. LEXIS 28531, 2011 WL 904405, Counsel Stack Legal Research, https://law.counselstack.com/opinion/respess-v-travelers-cas-sur-co-of-america-mdd-2011.