Elliott v. Metro Life Ins Co ( 2006 )

NOT RECOMMENDED FOR FULL-TEXT PUBLICATION
File Name: 06a0844n.06
Filed: November 15, 2006
No. 05-6633
UNITED STATES COURT OF APPEALS
FOR THE SIXTH CIRCUIT
PATRICIA ELLIOTT, )
)
Plaintiff-Appellant, )
)
v. ) On Appeal from the United States
) District Court for the Eastern
METROPOLITAN LIFE INSURANCE COMPANY ) District of Kentucky
)
Defendant-Appellee, )
Before: BOGGS, Chief Judge; DAUGHTREY, Circuit Judge; and MILLS, District Judge.*
BOGGS, Chief Judge. This case presents the questions of whether an ERISA plan’s
determination to deny benefits was arbitrary and capricious and, if it was, what remedy this court
should order. Patricia Elliott submitted a claim for long-term disability benefits to the administrator
of her employer’s employee benefit plan, Metropolitan Life (“MetLife”). MetLife denied Elliott’s
claim. Thereafter, Elliott brought this ERISA action, based on the administrative record, against
MetLife for wrongful denial of benefits under 29 U.S.C. § 1132(a)(1)(B). MetLife moved for
judgment affirming its decision to deny benefits and Elliott moved for reversal. Holding that
*
The Honorable Richard Mills, Senior United States District Judge for the Central District
of Illinois, sitting by designation.
No. 05-6633
MetLife’s determination to deny benefits was not “arbitrary and capricious,” the district court
granted MetLife’s motion and denied Elliott’s motion. Elliott appealed to this court.
Because we conclude that MetLife’s decision was arbitrary and capricious, we vacate the
judgment of the district court. The record does not support the conclusion that MetLife’s denial of
Elliott’s claim was the result of a deliberative, principled reasoning process. We cannot say,
however, that Elliott is clearly entitled to long-term disability benefits. Consequently, we remand
to the district court with instructions to remand to Metlife for a full and fair review consistent with
this opinion.
I
Elliott was injured severely in a car accident in 1989. At that time, she suffered significant
fractures of her second and third cervical vertebrae. Soon after, she underwent stabilization and
spinal surgery, which involved the placement of metallic wires in her neck. In 1993, Elliott began
working for Great American Financial Resources and joined the company’s employee benefit plan,
which MetLife administers.
In October 2002, Elliott began experiencing renewed pain related to the 1989 accident,
including radiating shoulder pain, numbness, and burning sensations. She saw several physicians,
beginning with Dr. Charles Kuntz of the University of Cincinnati’s Mayfield Clinic. In early 2003,
Elliott began receiving short-term disability benefits, after Dr. Kuntz submitted a form to Great
American certifying that she could not perform work of any kind. While on short-term disability in
early 2003, Elliott visited several physicians and had numerous studies conducted. None could
explain with precision why Elliott’s symptoms had reemerged.
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In May 2003, Dr. Kuntz referred Elliott to Dr. Alex Schneider at Aring Neurology at the
University of Cincinnati. Dr. Schneider conducted an initial electromyogram and found “no signs
of motor or myelopathic symptoms.” However, he also made findings “consistent with a central
cord-like syndrome.” In addition, Dr. Schneider wrote: “She is better than she was six months ago,
but continued to have some chronic pain and anxiety related to this.” Dr. Schneider recommended,
among other things, Elavil (a psychoactive prescription drug often prescribed for depression), a C-
collar (used to stabilize the neck), physical therapy, and a re-evaluation in three months.
Dr. Schneider saw Elliott again in August 2003. He made no significant new findings at that
visit, except to note: “since starting the Elavil, she has done quite better [sic]. She states she is
moving around better and her neck pain is better.” However, Dr. Schneider did report that she “has
some weakness and numbness when she is up too long, particularly in her legs and feet.” Dr.
Schneider increased her prescription, ordered more physical therapy, and recommended a return visit
in three months, a date that coincides with Elliott’s most recent MRI.
In September 2003, Elliott began the long-term disability claims process. Her claim was
denied on December 1, 2003, in a letter from MetLife. In the letter, MetLife recounts the plan’s
terms and restates technical medical terms from Elliott’s doctors’ reports. Then, without reasoning,
the letter concludes: “The medial [sic] documentation does not support a condition of a severity that
would prevent you from working.”
On December 9, 2003, Elliott sent a letter to MetLife appealing the decision. In the letter,
Elliott wrote that her “condition has improved since the increase of [her] Elavil” prescription. She
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also wrote that “if I stand, sit, bend, walk, or sit up straight for too long, I require pain medication.”
Ibid. Describing her physical abilities, she wrote that “I have improved in motor skills since therapy
and can tend to my daily needs without assistance. I can do some housework most days but am
restricted to light duty (dusting, dishwasher, straightening, etc.. [sic]).”
Elliott also included a letter from Dr. Schneider, dated December 9, 2003. In the letter, he
described Elliott’s condition as “chronic weakness and numbness that is exacerbated when she is
standing for any length of time.” Dr. Schneider also recounted Elliott’s last MRI, dated November
24, 2003, which showed “surgical changes along with mild to moderate diskogenic disease and
degenerative changes.” There was “no clear syringomyelia,”1 although “metallic artifact limits the
parenchymal visualization.”2 Following that discussion, Dr. Schneider specified particular
limitations on Elliott’s ability to work. He wrote:
It is my opinion that her work is limited due to her chronic pain syndrome and spinal
cord injury that is exacerbated by spending any length of time on her feet or sitting in
a single position for any length of time. She should not do any lifting. She should not
be crouching into small spaces or doing any repetitive motion type of work. She
should not do any work that requires reaching above her head. It is my opinion that
her chronic neurologic condition causes her significant disability. This condition is
chronic and will likely worsen in the future. Furthermore, she may require further
surgical intervention as she develops further arthritic changes.
1
Syringomyelia is “a slowly progressive syndrome of cavitation in the central segments of
the spinal cord, generally in the cervical region.” DORLAND ’S ILLUSTRATED MEDICAL DICTIONARY
1841 (2003).
2
This portion of Dr. Schneider’s letter indicates that metallic artifacts from Elliott’s 1989
surgery limit his ability to see, using the test methods employed, the functional parts of the relevant
portion of her spinal cord.
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In response to Elliott’s appeal, MetLife engaged Dr. Robert Menotti to review Elliott’s
file. The record indicates that MetLife sent Elliott’s file to Dr. Menotti on February 25, 2004,
and that he completed his review the next day. In the review, Dr. Menotti recounted Elliott’s
medical history. Although Dr. Menotti conceded that Dr. Schneider’s statement “appears to be . .
. credible,” he nevertheless asserted that Elliott’s “condition improved over time with respect to
her chronic pain,” especially with medication. Dr. Menotti then concluded that: “I am not left
with the impression given the current level of documentation that the claimant appears medically
unable to perform sedentary work based on the physical findings supplied by Dr. Schneider and
by Dr. Kuntz.” Dr. Menotti was the first physician to mention the term “sedentary work,” which
does not appear in the plan at issue.
Based on Dr. Menotti’s findings, MetLife denied Elliott’s appeal. In its letter to Elliott,
MetLife again recounted her medical history, including the latest reviews by Dr. Schneider and
Dr. Menotti. Again without reasoning, MetLife then wrote: “There was no indication that your
condition caused impairments which that would have prevented your [sic] from performing the
duties of your job. Therefore, the original claim determination was appropriate.”
Following the denial of her appeal, Elliott brought an ERISA action against MetLife for
wrongful denial of benefits under 29 U.S.C. § 1132(a)(1)(B). MetLife moved for judgment
affirming its decision to deny benefits and Elliott moved for reversal. The district court granted
MetLife’s motion and denied Elliott’s motion. Elliott appealed.
II
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We review de novo the decision of a district court granting judgment in an ERISA disability
benefit action based on an administrative record. See Glenn v. Metro. Life Ins. Co., 461 F.3d 660,
665-66 (6th Cir. 2006); Whitaker v. Hartford Life & Accident Co., 404 F.3d 947, 949 (6th Cir. 2005);
Wilkins v. Baptist Healthcare Sys., Inc., 150 F.3d 609, 613 (6th Cir. 1998). In addition, when a plan
grants the administrator discretionary authority to interpret the terms of the plan and to determine
benefits, courts will only reverse an administrator’s determination if it is “arbitrary and capricious.”
Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 111-15 (1989); Glenn, 461 F.3d at 666;
McDonald v. Western-Southern Life Ins. Co., 347 F.3d 161, 168 (6th Cir. 2003). Because the
MetLife plan at issue in this case provides for discretion, we apply the “arbitrary and capricious”
standard of review.
Although that standard is deferential, it is not a rubber stamp for the administrator’s
determination. Jones v. Metro. Life Ins. Co., 385 F.3d 654, 661 (6th Cir. 2004). In other words,
“deferential review is not no review.” McDonald, 347 F.3d at 172 (citing Hess v. Hartford Life &
Accident Ins. Co., 274 F.3d 456, 461 (7th Cir. 2001)). Under that standard, we will uphold the
administrator’s decision “if it is the result of a deliberate, principled reasoning process and if it is
supported by substantial evidence.” Glenn, 461 F.3d at 666 (citing Baker v. United Mine Workers
of Am. Health & Ret. Funds, 929 F.3d 1140, 1144 (6th Cir. 1991)).
The question in any given disability case on “arbitrary and capricious” review is whether a
plan can offer a reasoned explanation, based on the evidence, for its judgment that a claimant was
not “disabled” within the plan’s terms. In pertinent part, the MetLife plan at issue here reads as
follows: “‘Disabled’ or ‘Disability’ means that, due to sickness, pregnancy, or accidental injury, you
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are receiving Appropriate Care and Treatment from a Doctor on a continuing basis; and . . . during
your Elimination Period and the next 24 month period, you are unable to earn more than 80% of your
Predisability Earnings or Indexed Predisability Earnings at your Own Occupation for any employer
in your Local Economy.” The plan defines “Own Occupation” as: “the activity that you regularly
perform and that serves as your source of income. It is not limited to the specific position you held
with your Employer. It may be a similar activity that could be performed with your Employer or any
other employer.”
Those terms are clear. To ascertain whether a claimant is disabled, MetLife must determine
whether the individual’s condition (sickness, pregnancy, or accidental injury) precludes her from
performing her “Own Occupation.” Once MetLife makes that judgment, its determination is entitled
to deference unless it is arbitrary and capricious. That is, if MetLife’s determination that an
individual can perform her occupation “is the result of a deliberate, principled reasoning process and
if it is supported by substantial evidence,” it will not be disturbed. Glenn, 461 F.3d at 666 (citing
Baker, 929 F.3d at 1144).
III
A
We must therefore determine whether MetLife made a deliberate, principled, and
reasoned decision that Elliott’s condition would not preclude her from performing her
occupation. At the district court level, MetLife submitted an official description of the duties of
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an employee with Elliott’s former occupation as a Business Quality Analyst.3 Elliott does not
contest the use of that description here.4 As such, we will treat Elliott’s official job description as
giving the duties of her “Own Occupation” for analytical purposes.
A Business Quality Analyst’s essential responsibilities, inter alia, are to: (1) “Develop
and prepare routine and non-routine reports needed from administration systems to effectively
audit business activity”; (2) “Coordinate with other business areas to clarify/correct data”; (3)
“Edit and review reports with management to ensure they meet business needs”; and (4) “Work
with IT/Policy Administration support to drive effectiveness of reports needed.” To further those
objectives, the company specified some of the skills that would be required, including
proficiency in some computer software.
B
We must now ask whether MetLife made a reasoned judgment that Elliott’s medical
condition allowed her to perform those or similar duties. Logically, MetLife could have made a
3
The district judge thought that the job description meant that Elliott’s job was “sedentary
in nature.” The court then concluded that MetLife’s denial of benefits, based on Dr. Menotti’s
conclusion that Elliott could perform “sedentary work,” was not arbitrary and capricious. That
reasoning, also relied on by MetLife on appeal, was in error because it relies on a general notion of
“sedentary” work rather than on the duties that Ms. Elliott’s occupation entailed. The latter inquiry
is the proper one under the plan’s terms.
4
Indeed, as we recently held, MetLife’s determination of what duties Elliott’s job entailed
would be entitled to review under the “arbitrary and capricious” standard of review. Osborne v.
Hartford Life & Acc. Ins. Co., No. 05-5536, 2006 U.S. App. LEXIS 24640, at *5 (6th Cir. Oct. 3,
2006). In Osborne, we held that employing the dictionary to determine someone’s job duties was
not “arbitrary and capricious.” Ibid. Certainly, under Osborne, MetLife’s employment of the
Elliott’s official job description must also be entitled to deference.
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reasoned judgment only if it relied on medical evidence that assessed Elliott’s physical ability to
perform job-related tasks. McDonald, 347 F.3d at 172 (citing Quinn v. Blue Cross & Blue Shield
Ass’n, 161 F.3d 472, 476 (7th Cir. 1998) (The plan “was under a duty to make a reasonable
inquiry into the types of skills [the claimant] possesses and whether those skills may be used at
another job.”). See also Osborne, 2006 U.S. App. LEXIS 24640, at *5 (affirming the denial of
benefits, in part, because claimant “was once again able to perform the duties of his position”);
Glenn, 461 F.3d at 669-70. Put differently, medical data, without reasoning, cannot produce a
logical judgment about a claimant’s work ability. Despite the numerous medical evaluations that
took place in this case, MetLife did not rely on an application of the relevant evidence to the
occupational standard when it denied her claim initially and on internal appeal.
1
In its first denial letter, before having Elliott’s file reviewed by a physician consultant,
MetLife merely recounted the technical contents of Elliott’s various medical evaluations. For
example, MetLife wrote, “Per the April 22, 2003 office note from Dr. Kuntz the findings of the
January 14, 2003 EMG revealed normal nerve conduction of the bilateral upper and lower limbs.
Review of the CT of the cervical spine dated March 21, 2003, shows no evidence of significant
central canal stenosis. . . . It was suggested that you get a neurological consultation.” Then the letter
says: “The medial [sic] documentation does not support a condition of a severity that would prevent
you from working.”
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We note that, in the first denial letter, MetLife states that it considered Elliott’s job
description. Nevertheless, there is no indication that MetLife reasoned from Elliott’s condition to
her ability to perform her occupation. There is no statement or discussion of Elliott’s occupational
duties or her ability, or inability, to perform them. Instead, the denial letter is a mere recitation of
medical terminology employed by various physicians in their diagnoses of Elliott’s condition,
without any reasoning as to why those diagnoses would permit her to function in the workplace. A
court’s decision that merely said “affirmed” or “reversed” could not be considered “reasoned.”
Similarly, MetLife cannot be said to have given a reasoned denial of Elliott’s claim, initially.
2
Elliott appealed that initial determination, adding a letter from Dr. Schneider that related her
condition to her work ability. In denying her appeal, MetLife relied on only one other new piece of
evidence: the opinion of a physician consultant, Dr. Robert Menotti, who conducted a file-only
review of Elliott’s claim. Because MetLife’s initial denial lacked a reasoned basis, MetLife’s second
denial can only be characterized as “reasoned” if Dr. Menotti’s review provided an adequate basis
to conclude that Elliott could perform her occupation despite her medical condition.
Dr. Menotti’s review bears a striking resemblance to MetLife’s first denial letter. In similar
fashion, Dr. Menotti stated nearly verbatim from MetLife’s letter the technical findings related to
Elliott’s condition. That recitation occupies more than half of Dr. Menotti’s two-page review. Cf.
Kalish, 419 F.3d at 509 (rejecting as inadequate a report recounting six pages of medical history and
engaging in only one page of analysis). In addition, Dr. Menotti presented no reasons for his
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conclusion that Elliott’s condition would not preclude her from working. He never discussed
Elliott’s job duties, which implies that he did not conduct a reasoned evaluation of her condition to
determine whether she could perform those duties.
To be sure, Dr. Menotti discussed Dr. Schneider’s conclusions about Elliott’s limited work
ability.5 In fact, he explicitly stated that Dr. Schneider’s conclusions “appear[ed] to be credible.”
Yet Dr. Menotti offered no specific rebuttal to Dr. Schneider’s conclusions, nor did he opine as to
how Elliott’s medical condition related to the demands of her job. Instead, Dr. Menotti concluded
that earlier records demonstrated that Elliott’s condition “improved over time” and that her “chronic
pain syndrome has responded to . . . medication.” However, logically speaking, evidence of an
improvement, without a starting or ending point, does not help answer the question of whether an
individual can perform her occupation. “Getting better,” without more, does not equal “able to
work.”
Moreover, based on his determination that Elliott was improving, Dr. Menotti stated a
conclusion that is arguably on a different plane than the proper inquiry. He wrote: “I am not left
with the impression given the current level of documentation that the claimant appears medically
5
Dr. Menotti notes Dr. Schneider’s findings that Elliott’s work ability “is limited due to her
chronic pain syndrome and spinal cord injury that is made worse by spending any length of time on
her feet or sitting in a single position for any length of time.” Dr. Menotti also noted Dr. Schneider’s
view that Elliott’s condition “is chronic and will likely worsen in the future and she may require
further surgical intervention if she develops further arthritic changes.” Here, however, Dr. Menotti
misquotes Dr. Schneider’s letter. Schneider wrote that Elliott may require surgery as she develops
further arthritic changes, indicating that an ongoing process of arthritic degeneration was taking
place. Dr. Menotti’s letter changes “as” to “if,” which alters the meaning of the sentence by
rendering further arthritic change only a possibility.
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unable to perform sedentary work.” The term “sedentary work” appears nowhere in the plan’s terms.
As we have noted, the proper inquiry is whether Elliott could perform her own occupation. Dr.
Menotti never undertook such an inquiry.
In addition, Dr. Menotti was a physician consultant frequently employed by MetLife. The
Supreme Court has acknowledged “that physicians repeatedly retained by benefits plans may have
an incentive to make a finding of ‘not disabled’ in order to save their employers money and to
preserve their own consulting arrangements.” Black & Decker Disability Plan v. Nord, 538 U.S.
822, 832 (2003). See also Kalish, 419 F.3d at 507-08. Dr. Menotti’s conclusions have been
questioned in at least three federal cases; in all of them, he was hired by MetLife. See White v.
Airline Pilots Ass’n, 364 F. Supp. 2d 747, 754 (N.D. Ill. 2005) (“The doctor's language appears
deliberately ambiguous and vague. . . .”); Viglietta v. Metro. Life Ins. Co., 04 Civ. 3874, 2005 U.S.
Dist. LEXIS 42924, at *32 (S.D.N.Y. Aug. 3, 2005) (“It is, however, highly unlikely that Dr. Menotti
considered Plaintiff's revised job description . . .”); Smith v. Home Depot Welfare Benefits Plan, No.
8:04-cv-1924-T-23TBM, 2005 U.S. Dist. LEXIS 42916, at *36 (M.D. Fla. Nov. 17, 2005).
We express no opinion on whether Dr. Menotti was, in fact, influenced in this matter by his
frequent employment by MetLife. It is clear, however, that he failed to conduct the appropriate
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inquiry. Dr. Menotti’s statements cannot form the basis for concluding that MetLife engaged in a
deliberate, principled reasoning process in this case. Glenn, 461 F.3d at 666.
3
Nothing else in MetLife’s second denial provides any indication that Metlife engaged in a
principled reasoning process. MetLife failed to offer any reason for rejecting Dr. Schneider’s
conclusions about Elliott’s ability to work. Generally speaking, a plan may not reject summarily the
opinions of a treating physician, but must instead give reasons for adopting an alternative opinion.
Evans v. Unumprovident Corp., 434 F.3d 866, 877 (6th Cir. 2006) (“[A] plan administrator may not
arbitrarily disregard reliable medical evidence proffered by a claimant, including the opinions of a
treating physician.”) (citing, inter alia, Black & Decker, 528 U.S. at 833; McDonald, 347 F.3d at
163-66). Dr. Schneider’s letter indicated that Elliott would have trouble sitting for long periods of
time and performing repetitive movements, both of which could well fall within her job description.
Of course, MetLife need not defer automatically to the treating physician’s opinion. Black & Decker,
538 U.S. at 830-32. However, that MetLife gave “greater weight” to a non-treating physician’s
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opinion for no apparent reason lends force to the conclusion that MetLife acted arbitrarily and
capriciously. See Kalish, 419 F.3d at 508 (citing Calvert, 409 F.3d at 295).6
In addition, MetLife sought only a file review of Elliott’s claim, rather than a physical
examination. To be sure, we rejected in Calvert a claimant’s assertion that a plan with authority to
order additional medical tests was required to do so. 409 F.3d at 296. However, we also held that
a plan’s decision to conduct a file-only review–“especially where the right to [conduct a physical
examination] is specifically reserved in the plan–may, in some cases, raise questions about the
thoroughness and accuracy of the benefits determination.” Ibid. Here, MetLife denied Elliott’s
benefits based on evidence that simply is not analyzed in relation to her ability to perform her
occupation. Although we continue to believe that plans generally are not obligated to order
additional medical tests, in cases such as this, plans can assist themselves, claimants, and the courts
by helping to produce evidence sufficient to support reasoned, principled benefits determinations.
Cf. Glenn, 461 F.3d at 666.
6
Of course, as a general matter, we will not overturn a plan administrator’s denial of benefits
for choosing to rely on the opinion of one physician over that of another. McDonald, 347 F.3d at
169. However, that rule is not absolute, particularly where, as here, there is so little evidence of a
process that reasons from the patient’s condition to her work ability. Ibid. See also Glenn, 461 F.3d
at 666-72.
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We also note that MetLife may have been operating under a conflict of interest in this matter.
The Supreme Court has recognized that an apparent conflict of interest exists when an ERISA plan
both decides eligibility for benefits and pays those benefits. See Firestone, 489 U.S. at 115. In
Glenn, we observed that “MetLife is authorized both to decide whether an employee is eligible for
benefits and to pay those benefits. This dual function creates an apparent conflict of interest.” 461
F.3d at 666 (citations omitted). MetLife is under the same apparent conflict of interest here as it was
in Glenn. Such a conflict, if shown to have impacted MetLife’s determination, would lend greater
weight to the conclusion that MetLife’s determination was arbitrary and capricious.
We need not determine whether MetLife’s self-interest played a role in its denial of Elliott’s
claims. Regardless of the presence or absence of a conflict, MetLife’s decision cannot withstand
scrutiny. We cannot uphold an ERISA plan administrator’s determination if it is not the product of
“a deliberate, principled reasoning process.” Glenn, 461 F.3d at 666. MetLife’s decision-making
process was neither deliberate nor based on reasoning. As such, its determination in this matter was
arbitrary and capricious.
IV
Now we are left to consider the remedy. In cases such as these, courts may either award
benefits to the claimant or remand to the plan administrator. See Smith, 450 F.3d at 265 (“[W]e
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vacate the judgment of the district court and remand this case for entry of an order requiring CCC
to conduct a full and fair review of Smith's disability claim.”); Glenn, 461 F.3d at 675. See also
Buffonge v. Prudential Ins. Co. of America, 426 F.3d 20, 31 (1st Cir. 2005) (“There is no question
that this court has the power to remand to the claims administrator; it also has the power, in
appropriate cases, to award benefits to the disability claimant.”) (citing Cook v. Liberty Life Assur.
Co., 320 F.3d 11, 24 (1st Cir.2003); Quinn v. Blue Cross and Blue Shield Ass’n, 161 F.3d 472, 477
(7th Cir. 1998)). The question we must address is which remedy–retroactive benefits or remand to
the administrator–is appropriate in this case.
The First Circuit recently addressed such a question. Buffonge, 426 F.3d at 31-32. In that
case, the court noted that some courts have adopted the “categorical rule” that a “retroactive award
is usually proper when [the] claimant had benefits and lost them,” while “remand is appropriate
when a decision-maker fails to make adequate findings or fails to provide [] adequate reasoning.”
Ibid. (citing Quinn, 161 F.3d at 477). The First Circuit declined to adopt such a categorical rule,
holding instead that courts “must have considerable discretion to craft a remedy after finding a
mistake in the denial of benefits.” Ibid. (citing Cook, 320 F.3d at 24).
In Buffonge, the court held that, where the “problem is with the integrity of [the plan’s]
decision-making process,” rather than “that [a claimant] was denied benefits to which he was clearly
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entitled,” the appropriate remedy generally is remand to the plan administrator. Ibid. We agree with
the First Circuit. Such a course is consistent with this court’s precedent and we adopt it here.7
See Smith, 450 F.3d at 265 (“[W]e vacate the judgment of the district court and remand this case for
entry of an order requiring CCC to conduct a full and fair review of Smith's disability claim.”).
In this matter, we cannot say that Elliott is clearly entitled to benefits. Dr. Kuntz, at the time
he certified that Elliott’s condition met the requirements for short-term disability, indicated she could
not then perform work of any kind. However, in later reviews, Dr. Kuntz did not elaborate further
on why Elliott’s condition precluded her from working. Also, while Dr. Schneider’s earlier reviews
indicated some improvement with medication, his letter of December 9, 2003, indicates that Elliott’s
condition would limit her ability to fulfill her job responsibilities. Just how much such limitations
would affect her ability to work, however, we cannot say with any accuracy. For example, does
Elliott have a sit-stand option at her job? When Dr. Schneider referred to repetitive movements, did
7
This remedy obviates the need to consider Elliott’s claim that the district court should have
allowed further discovery. Smith, 450 F.3d at 265 (“On appeal, Smith argues that the district court
erred when it denied additional discovery into CCC's procedure. Because we are remanding this case
for a full and fair review of Smith's disability claim, it is unnecessary for us to consider this claim
on appeal.”). It should be noted, however, that while discovery is generally impermissible “in an
ERISA action based on a review of the administrative record, an exception to that rule exists where
a plaintiff seeks to pursue a decision-maker’s bias.” See Calvert, 409 F.3d at 293 (citing Wilkins,150
F.3d at 618).
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he mean to include typing? If so, how much typing? Can Elliott dictate her reports, rather than type
them? Even presuming that Dr. Schneider’s letter accurately states Elliott’s physical limitations, we
simply cannot say whether those limitations would preclude her from working as a business quality
analyst. And, as we have noted, Dr. Menotti’s review offers little support either way.
Thus, we believe that a remand to the district court with instructions to remand to MetLife
for a full and fair inquiry is the proper remedy here. This course is contemplated both by our
precedent and by ERISA law. Smith, 450 F.3d at 265. See also Black & Decker, 538 U.S. at 825
(“ERISA and the Secretary of Labor’s regulations under the Act require ‘full and fair’ assessment
of claims.”) (citing 29 U.S.C. § 1133 and 29 C.F.R. § 2560.503-1). Such a remedy will allow for
a proper determination of whether, in the first instance, Elliott is entitled to long-term disability
benefits. We are not medical specialists and that judgment is not ours to make. However, both
MetLife and the claimant would be well advised to pursue appropriate medical data relating Elliott’s
undeniable medical limitations to the demands of her occupation.
V
In this case, we were asked to address whether MetLife’s determination to deny long-term
disability benefits to Patricia Elliott was arbitrary and capricious and, if it was, what remedy to order.
As a result of the foregoing, we hold that MetLife’s determination was “arbitrary and capricious”
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for want of a deliberate, principled reasoning process. Glenn, 461 F.3d at 666. We also hold that
the appropriate remedy is to remand to MetLife for a full and fair inquiry in accordance with this
court’s precedent. Smith, 450 F.3d at 265. Accordingly, we vacate the district court’s judgment and
remand the case for proceedings consistent with this opinion.
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