Rosby v. UNUM LIFE INS. CO. OF AMERICA

664 F. Supp. 2d 962, 2009 U.S. Dist. LEXIS 97122, 2009 WL 3245925
CourtDistrict Court, E.D. Arkansas
DecidedOctober 7, 2009
Docket4:08CV04108 JLH
StatusPublished
Cited by1 cases

This text of 664 F. Supp. 2d 962 (Rosby v. UNUM LIFE INS. CO. OF AMERICA) is published on Counsel Stack Legal Research, covering District Court, E.D. Arkansas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Rosby v. UNUM LIFE INS. CO. OF AMERICA, 664 F. Supp. 2d 962, 2009 U.S. Dist. LEXIS 97122, 2009 WL 3245925 (E.D. Ark. 2009).

Opinion

OPINION AND ORDER

J. LEON HOLMES, District Judge.

This is an ERISA action in which Karen Rosby seeks to recover benefits under the long term disability plan offered by her employer, Entergy Services, Inc. (“Entergy”), through Unum Life Insurance (“Unum”) pursuant to 29 U.S.C. § 1132. The parties have submitted an administrative record and briefed the issues, so the case is ripe for decision. For the following reasons, the decision of Unum, the claims administrator for the plan, is affirmed.

I.

Karen Rosby was employed by Entergy as a customer service representative. Rosby’s job responsibilities included processing customer inquiries over the telephone, discussing and explaining billing amounts, taking orders for new services or transfers of services, and referring customer complaints to other departments. (Adm. R. 23.) She also had to be available to work eight to ten hour shifts and emergency call outs as well as serve on storm duty. (Adm. R. 23.) Rosby generally worked eight to twelve hours each day at her desk. (Adm. R. 108.) Her job did not require her to stand or walk, except to and from the building where she worked. (Adm. R. 108.) Rosby participated in Entergy’s long-term disability plan, which was funded by an insurance policy underwritten by Unum. Under the plan, Unum had discretionary authority to construe the terms of the plan and determine eligibility of benefits. Rosby filed a claim for long-term disability benefits with Unum in August 2007. (Adm. R. 35.) She reported that she had a history of back problems following an automobile accident in 1999. (Adm. R. 10.) After she was in another automobile accident on April 4, 2007, Rosby underwent spinal fusion at L5-S 1 on July 30, 2007. (Adm. R. 31.) Rosby also reported that she could not sit for long periods at a time, bend, or lift anything. (Adm. R. 31.) As a result, Rosby did not believe she could work.

On June 12, 2007, Rosby saw Dr. Bernard Crowell who diagnosed her with “a history of degenerative disc disease with disc desiccation at L4-L5 and at L5-S1.” (Adm. R. 126.) During that visit, Crowell noted that she would be scheduled for surgery soon to address those problems. Rosby underwent spinal fusion at L5-S1 on July 30, 2007. (Adm. R. 135.) Crowell saw Rosby after the surgery on August 14, 2007, and he reported that she still had mild pain in her lower back and some pain in her thighs, which he suspected was due to her positioning on a table for therapy. *965 (Adm. R. 125.) As part of her claim for benefits, Rosby filed a report by Crowell, dated August 14, 2007, in which he wrote that her symptoms were back pain and left leg pain and restricted her from “lifting, twisting, bending, stooping or squatting.” (Adm. R. 34.) He also stated that she should be able to work part-time by November 3, 2007, and full-time by April 3, 2008. (Adm. R. 34.)

Rosby also provided a physician’s statement from her chiropractor, Dr. Steven Bennett. He wrote:

Based upon last functional capacity test performed in this office in June, 2007. There was significant restriction of range of motion throughout the spinal regions this resulted in a 26% whole person impairment just as result of loss of range of motion. [Patient] also exhibiting weakness in left upper extremity.

(Adm. R. 38.) Bennett found “a retrolisthesis of C5 as well as hypermobility at Cl on motion x-ray studies.” (Adm. R. 39.) He concluded, “The hypermobility and retrolisthesis of C5 is secondary to ligament damage in the cervical spine.” (Adm. R. 39.) Bennett listed Rosby’s limitations as lifting heavy weights, sitting for hours at a time, traveling long distances, walking a mile without stopping, and participating in social activities that are strenuous. (Adm. R. 38.) Bennett also commented about the prospect of Rosby returning to work: “They had also referred her to another physician. If her condition has deteriorated it would be undetermined when she may be able to return to work.” (Adm. R. 39.)

Unum pre-approved Rosby’s request for disability benefits on October 23, 2007. The letter from Eric Waddle, the disability specialist assigned to Rosby’s claim, stated that the records supported her disability claim through October 30, 2007, and that any benefits beyond that date would require updated information. (Adm. R. 311.) The letter specifically referred to getting an update on restrictions and limitations from Crowell following her visit on October 18, 2007. (Adm. R. 311.) The letter also informed Rosby that her elimination period began on June 25, 2007, and was scheduled to end on December 22, 2007. (Adm. R. 311.) Thus, on December 22, 2007, benefits would be payable to the extent medical documentation was available regarding her restrictions and limitations. (Adm. R. 310-12.)

On October 30, 2007, Crowell provided Unum with a list of restrictions and limitations: Rosby could not stand for more than fifteen to twenty minutes, sit in one place for more than fifteen to twenty minutes, kneel, stoop, squat, or lift objects greater than ten pounds. (Adm. R. 326.) He opined that it might be possible for Rosby to return to work in “2 1/2 to 3 months, hopefully.” (Adm. R. 326.) Based on this information, Unum’s nurse reviewer, Thai Monroe, concluded that Rosby’s restrictions and limitations were supported only to allow time for recovery through December 2007 and that the prognosis for returning to work in a sedentary job was good. (Adm. R. 352.)

Crowell referred Rosby to Dr. Christopher Mocek for her hip and leg pain, and she saw Mocek on October 25, 2007. (Adm. R. 404.) In his evaluation, which Unum received, he wrote:

She is here today complaining of pain in her hips and down both legs. She has had a fusion at L4/5 and L5/S 1 disc level on July 30, 2007 by Dr. Crowell. She says that it starts as a spasm and pain shoots down the right leg greater than the left.... She says that the pain was worse in the left leg before the surgery now the pain is worse in the right leg.

(Adm. R. 404.) He noted that an October 18 CT-scan showed “post transpedicular fusion involving the L5/S 1 level,” “[a]bnor *966 mal soft tissue attenuation noted anterior to the thecal sac, extending the left L5/S 1 neural foramen, surrounding the exiting left L5 nerve root,” and postoperative scarring. (Adm. R. 406.) In his discussion of the planned treatment, Mocek wrote:

This patient reported pain in both legs prior to surgery but the left was worse. Now post back surgery the left is better but the right is worse. The CT myelogram does not indicate any problems on the right. We will treat the right leg pain with one or two selective nerve blocks and PT. If the right leg pain persists would recommend a lumbar stim trial. We will provide her with medication management of this chronic spine pain.

(Adm. R. 406.) On December 27, 2007, Mocek signed an attending physician statement which said that Rosby suffered from back and leg pain. (Adm. R. 402.) Unlike Crowell, Mocek did not list any restrictions or limitations for Rosby, but he noted that the “[patient] needs FCE to determine physical capabilities.” (Adm. R. 403.)

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Bluebook (online)
664 F. Supp. 2d 962, 2009 U.S. Dist. LEXIS 97122, 2009 WL 3245925, Counsel Stack Legal Research, https://law.counselstack.com/opinion/rosby-v-unum-life-ins-co-of-america-ared-2009.