Riemer Hess is proud to announce a new litigation victory in Graziano v. First UNUM Life Insurance Company, 21-cv-2708 (PAC) (S.D.N.Y. July 13, 2023), filed in the Southern District Court of New York. The outcome represents a major win for Mr. Graziano and confers a common benefit on future claimants.
Plaintiff Michael Graziano was a Senior Property Underwriter experiencing limitations in his ability to perform his work due to lumbar impairments. Riemer Hess commenced an action on behalf of Mr. Graziano against First UNUM Life Insurance Company (“UNUM”) alleging wrongful termination of his long term disability benefits and life insurance waiver of premium benefits. The action was subject to the Employment Retirement Income Security Act of 1974 (“ERISA”), 29 U.S.C. §§ 1001–1461.
Judge Paul A. Crotty conducted a bench trial applying a de novo standard of review, finding the weight of the evidence demonstrated Mr. Graziano was unable to perform the duties of his occupation. The Court awarded benefits to Mr. Graziano through the close of the record. The Court remanded the claim to UNUM for further evaluation of ongoing benefit eligibility thereafter.
The Court made two important findings that may benefit future claimants by clarifying how courts should evaluate similar disability claims.
First, in awarding benefits, the Court found that an inability to perform just one material and substantial duty of an occupation (in this case, prolonged sitting) was sufficient to find total disability. The plan language here defined total disability as follows: “[Y]ou are limited [defined as “cannot or unable”] from performing the material and substantial duties of your regular occupation due to your sickness or injury…” A claimant need not demonstrate an inability to perform all or most duties under such standard – just one will suffice.
Second, the Court addressed how to decide between competing medical opinions in de novo ERISA disability cases brought within the Second Circuit. The Court stated:
In reviewing a disability claim de novo, the Court considers opinions of an insured’s treating physicians, the administrator’s reviewing physicians, and insured’s own self-reports of his symptoms. “[A]n insured’s own reports of symptoms are not merely evidence of a disability but are an important factor to be considered in determining whether the insured has established disability.”
[. . .]
Thus, in the face of two competing opinions, the Court will evaluate Graziano’s complaints of pain and weakness as supported by objective evidence included in the administrative record.
[. . .]
While there is no “treating physician rule” under an ERISA de novo review, the Second Circuit has suggested that factors such as “the length and nature of [the patient-physician] relationship, the level of the doctor’s expertise, and the compatibility of the opinion with the other evidence” may provide guidance to a Court evaluating competing medical opinions.
Using this framework, the Court determined that Mr. Graziano’s rehabilitative and pain management specialist, Dr. Beer, “was more credible than Unum’s reviewers.” The Court found it significant that “none of Unum’s reviewers specialize in rehabilitation or pain management nor ever personally examined Graziano.”
The Court criticized UNUM’s handling and characterization of Mr. Graziano’s claim in six ways:
If you are looking for an attorney to represent you in an ERISA matter, Riemer Hess can help. With so much at stake for you, your family, and your future, we understand how important your case is. The experienced attorneys at Riemer Hess will fight the insurance companies for you.
Riemer Hess can assess your situation, explain your legal rights and options, and answer any questions you have about long term disability insurance. To schedule your free consultation, call Riemer Hess today at 212-297-0700 or select the button below.