Thomas R. v. Hartford Life and Accident Insurance Company

CourtDistrict Court, S.D. New York
DecidedMarch 10, 2025
Docket1:21-cv-01388
StatusUnknown

This text of Thomas R. v. Hartford Life and Accident Insurance Company (Thomas R. v. Hartford Life and Accident Insurance Company) is published on Counsel Stack Legal Research, covering District Court, S.D. New York primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Thomas R. v. Hartford Life and Accident Insurance Company, (S.D.N.Y. 2025).

Opinion

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF NEW YORK ──────────────────────────────────── THOMAS R., ET AL.,

Plaintiffs, 21-cv-1388 (JGK)

- against - MEMORANDUM OPINION AND ORDER HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY,

Defendant. ──────────────────────────────────── JOHN G. KOELTL, District Judge:

The plaintiffs, Thomas R. and his guardian, Gino F., brought this action against Hartford Life and Accident Insurance Company (“Hartford”), seeking to recover benefits that the plaintiffs alleged are due under Tara R.’s life insurance plans. The plans in this case are employee welfare benefit plans governed by the Employee Retirement Income Security Act (“ERISA”), 29 U.S.C. §§ 1001 et seq. Tara R. is Thomas R.’s mother, and Thomas R. is the beneficiary of the plans. On November 6, 2024, the parties reported that they had settled the case. See ECF No. 83. However, the plaintiffs’ claim for attorney’s fees remains unresolved. See id. Pursuant to 29 U.S.C. § 1132(g)(1), the plaintiffs have moved for $245,134.12 in attorney’s fees, and $518.44 in costs. The defendant opposes the motion. 1 I. The Court assumes familiarity with the history of the case, which has been described in the Court’s previous opinion on the

parties’ cross-motions for summary judgment. See July 19, 2022 Hearing Tr., ECF No. 55-1 (“SJ Bench Op.”). The following summary sets forth only those facts necessary to contextualize the ruling on the plaintiff’s motion for attorney’s fees. The plaintiffs are represented by the law firm Riemer Hess LLC (the “Firm”); the defendant is represented by the law firm Robinson & Cole LLP. By letter dated August 16, 2019, the Superintendent of Schools for the Brentwood Union Free School District (the “District”) offered Tara R. a position as a full-time art teacher “[f]or the period 9/3/2019 to 6/30/2020” (the “Offer Letter”). Riemer Aff. Ex. 1 at 101, ECF No. 26. Another letter

dated the same day informed Tara R. that the District had scheduled her to attend a “New Teacher Orientation” program on August 21, 2019, and August 22, 2019, from 8:30 a.m. to 3:00 p.m. Id. at 102. Tara R. signed the Offer Letter a few days later, thereby accepting the job offer. See id. at 101. On August 21, 2019, the first day of orientation, Tara R. signed a benefits enrollment form for the Group Basic Term Life Insurance Plan (the “Basic Plan”). Id. at 274–75. The Basic Plan 2 was issued pursuant to a group life insurance policy issued by Hartford to the District (the “Policy”). Id. at 14, 25. The Basic Plan provided a $25,000 life insurance benefit to covered

employees. Id. at 16. The enrollment form included blanks for “Date of Hire” and “Effective Date.” Id. at 274. The Date of Hire listed on the form appears to have originally read “9/1/19,” but was written over to read “10/2/19.” Id. The Effective Date also appears to have been written over to read “11/1/19,” although it is not clear what date was originally marked. Id. On August 21, 2019, Tara R. also signed a benefits enrollment form for the Group Supplemental Dependent Life Insurance Plan (the “Supplemental Plan”; together with the Basic Plan, the “Plans”), which was also issued pursuant to the Policy. Id. at 278–80. Tara R. indicated on the enrollment form

that she was enrolling for $100,000 of coverage. Id. at 278. The Date of Hire listed on the form is 10/2/19, and the Effective Date is 11/1/19. Id. at 278. Thomas R., Tara R.’s son, is the sole primary beneficiary listed on both enrollment forms. Id. at 274, 279. Until October 2019, Tara R. was receiving treatment for lung cancer, and was not able to attend work. See id. at 231, 255. On October 2, 2019, Tara R. attended work as an art teacher 3 for the full day. Id. at 121. She did not attend work again due to her symptoms and treatment. Id. On March 24, 2020, Tara R. passed away. Id. at 281.

On April 10, 2020, the plaintiffs filed a claim with Hartford. Id. at 259–60. On April 24, 2020, Hartford denied the claim. Id. at 207–11. On June 23, 2020, the plaintiffs filed an appeal with Hartford. Id. at 261–66. On September 3, 2020, the appeal was denied. Id. at 76–79. This suit ensued. The core dispute in this case was whether Tara R.’s coverage under the Plans had begun before she passed away. See generally SJ Bench Op. The parties disagreed on the interpretation of certain terms in the Plans and the application of those terms to Tara R.’s unique circumstances, including, for example: whether Tara R. was a “Full-time Active Employee” within the meaning of the Plans; and the date on which Tara R.

was “hired.” See id. at 13–17. On July 19, 2022, the Court denied the parties’ cross- motions for summary judgment. See id. at 17; see also ECF No. 41. The Court concluded that the contractual terms at issue were ambiguous, that both parties’ constructions of the terms were reasonable, and that issues of fact therefore precluded summary judgment. See SJ Bench Op. at 14, 17.

4 The parties then requested that the Court decide the case based on the written record and oral argument on the parties’ submissions. See ECF No. 69. The Court heard oral argument on

October 16, 2024. On November 6, 2024, the parties advised the Court that the parties had settled the case. See ECF No. 83. However, the plaintiffs’ claim for attorney’s fees remained unresolved. See id. This motion for attorney’s fees followed. See ECF No. 89. II. In an ERISA action, “the court in its discretion may allow a reasonable attorney’s fee and costs . . . to either party.” 29 U.S.C. § 1132(g)(1). “It is well-established that Congress intended the fee provisions of ERISA to encourage beneficiaries to enforce their statutory rights.” Donachie v. Liberty Life Assurance Co. of Boston, 745 F.3d 41, 45–46 (2d Cir. 2014).1

ERISA’s fee provisions “must be liberally construed to protect [this] statutory purpose.” Slupinski v. First Unum Life Ins. Co., 554 F.3d 38, 47 (2d Cir. 2009). The Second Circuit Court of Appeals has instructed that “granting a prevailing [ERISA] plaintiff’s request for fees is appropriate absent some

1 Unless otherwise noted, this Memorandum Opinion and Order omits all internal alterations, citations, footnotes, and quotation marks in quoted text. 5 particular justification for not doing so.” Donachie, 745 F.3d at 47. A successful plaintiff may also “recover reasonable out- of-pocket expenses incurred during litigation as part of an

attorneys’ fee award.” Cohen v. Life Ins. Co. of N. Am., No. 17- cv-9270, 2019 WL 1785095, at *2 (S.D.N.Y. Apr. 24, 2019). III. In exercising the discretion that § 1132(g)(1) grants, a district court “may only award attorney’s fees to a beneficiary who has obtained ‘some degree of success on the merits.’” Donachie, 745 F.3d at 46 (quoting Hardt v. Reliance Standard Life Ins. Co., 560 U.S. 242, 254–55 (2010)). “[W]hether a plaintiff has obtained some degree of success on the merits is the sole factor that a court must consider in exercising its discretion.” Id. Although a court may consider five additional factors, known as the “Chambless factors,” in deciding whether to award attorney’s fees, it is not required to do so. Id.2

At the outset, the parties dispute whether the Court should award the plaintiffs attorney’s fees and costs at all. The plaintiffs argue that they achieved some degree of success on

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