Case Name: Young v. Aetna Life Insurance Company
Court: United States District Court for the District of Massachusetts
Type of Claim: Long Term Disability
Insurance Company: Aetna Life Insurance Company (hereinafter “Aetna”)
Claimant’s Employer: Children’s Hospital Boston
Claimant’s Occupation / Job Position: Staff Nurse
Disabilities: Pain in her neck, shoulder labral tear, scapula, lower back, and hip, with radiating pain down the leg. Plaintiff’s pain has been attributed to various potential causes and has been described in diverse ways throughout the medial records, including: S1 radiculopathy; probable lumbosacral radiculopathy; sciatica and lumbago; muscle spasms and lumbar radiculopathy; lumbosacral spondylosis without myelopathy; right leg radiculopathy; discogenic back pain; SI joint pain; neck cervical spondylosis; myofascial referred musculoskeletal pain; mild straightening of the lordosis from C5-C7; small disc bulging C5-6 and C6-7 with mild left sided foraminal narrowing; L3-4 and L4-5 facet arthropathy with no central stenosis; facet arthropathy seen at L5-S1; SI joint dysfunction; SI joint sprain/strain; discogenic and facet mechanical lower back pain; Cervical spondylosis with intermittent nerve root irritation to the left; myofascial referred pain into the right leg; and L5-S2 right small disc protrusion. The plaintiff also had a prolapsed bladder after a motor vehicle accident. To complicate matters further, Plaintiff has an extensive and complicated medical history, including endometriosis, diverticulitis, colitis, asthma, hypertension, osteoarthritis, osteopenia, small bowel obstructions, migraine headaches, lysis of adhesions, appendectomy, cholecystectomy, and nephrolithiasis.
Note: As set forth below, a major component in this case was the side-effects of medication. She had been taking Cymbalta but stopped taking it because it made her too sleepy; she had fallen down stairs multiple times. The claimant was taking Gabapentin but reported that it made her feel “dopey” and that it had a sedative effect. She was also treating her pain with Vicodin, Valium, a Lidoderm patch, and a Transcutaneous Electrical Nerve Stimulation (TENS) unit.
Note: After extensive testing, including an MRI and other objective testing, the claimant’s own doctor noted that the claimant’s lower-back pain remained “incompletely explained” and he recommended that she proceed toward a modified job within the nursing profession, one that would not require significant physical demands.
Definition of Disability:
The Plan provides the following “Test of Disability”:
“From the date that you first become disabled and until Monthly Benefits are payable for 36 months, you will be deemed to be disabled on any day if:
- you are not able to perform the material duties of your own occupation solely because of: disease or injury; and
- your work earnings are 80% or less of your adjusted predisability earnings.
After the first 36 months that any Monthly Benefit is payable during a period of disability, you will be deemed to be disabled on any day if you are not able to work at any reasonable occupation solely because of:
- disease; or
If your own occupation requires a professional or occupational license or certification of any kind, you will not be deemed to be disabled solely because of the loss of that license or certification.”
In short, after thirty-six months of receiving disability benefits, the Plan’s definition changed from the “own occupation” standard to the “any reasonable occupation” standard.
Benefits Paid? Long Term Disability benefits were paid for approximately five weeks. Based upon a non-examining doctor’s review and the underlying medical documentation, Aetna informed Cannon that “there [was] no evidence of a functional impairment which would substantiate an inability to perform [Cannon’s] occupation starting from October 4, 2010.”
Procedural history: The claimant received LTD benefits during the “own occupation” period, but benefits were terminated towards the beginning of the “any occupation” period.
Key Physician Opinions: One of Plaintiff’s treating physicians, Dr. Marciello, addressed the impact of Plaintiff’s medications on her ability to work:
“[I]n order to accommodate the daily and persistent pain of her pelvis, lower back, right hip and groin, and right leg, [Plaintiff] requires daily medications including neuropathic medicines such as [G]abapentin which is likely to result in decreased concentration, decreased memory, and sedation. Furthermore, the pain results in her frequently requiring opioid pain medications including [T]ramadol and Vicodin which again may impair her judgment and functional tasks. Therefore, in my opinion, if she had to carry out full-time work, implying 8 hour work day, it is more likely than not that her pain levels will increase causing her to use more medications, and possibly impairing her function and mental status capacity even further.”
Dr. Marciello further noted that the nature of Plaintiff’s musculoskeletal pain and weakness resulted in frequent flares of pain, which would cause her attendance in a workplace to be unreliable. (AR at 623.) In conclusion, Dr. Marciello explained:
“[Plaintiff] is at a medical end point. She has been treated by a number of medical providers. She has undergone numerous procedures, trials of medications, physical therapy, an extensive period of relative rest, all of which have been unsuccessful in managing her pain or improving her function. It is, therefore, in my opinion, that [Plaintiff] remains totally disabled from all gainful employment including sedentary work.”
As part of her appeal, Plaintiff also submitted a vocational assessment conducted by a vocational expert. The expert opined that Plaintiff was not capable of performing any work, part-time or full-time, at any exertion level. He noted Plaintiff’s documented inability to stand or sit for long periods of time and found that the record established that Plaintiff was unable to stand for two hours in an eight-hour work day, which is the minimum amount of standing required for sedentary work. He also noted that because she required the assistance of a cane, she could not perform tasks with both of her hands while in a standing or walking position, a skill that is necessary to conduct sedentary work at an acceptable pace. He further noted, the record showed that sitting was the most difficult position for Plaintiff to maintain, and sedentary work requires the ability to sit for six hours in an eight-hour workday. The expert Parker also noted Plaintiff’s use of pain medications, with their side effects of sedation and decreased ability to concentrate, and he mentioned the treating doctor’s opinion that if Plaintiff were to return to work she would need to increase her usage of these medications, which would in turn decrease her mental capacity. The vocational expert noted Plaintiff’s substantial impairments in performing activities of daily living, which required her to self-pace and limit the tasks performed due to early fatigue and pain. He stated that “the inability to sustain routine nondemanding household tasks is a strong indicator of the inability to sustain any work on a regular and consistent basis.” He concluded, “[b]ased on the limitations established by [Plaintiff’s] physicians, she is totally disabled from all employment,” and she would remain so for the foreseeable future.
As part of its internal appeal review process, Aetna obtained an independent medical file review by Dr. Frank Polanco, a specialist in Occupational Medicine and Pain Medicine. After reviewing Plaintiff’s medical records, Dr. Polanco concluded that Plaintiff was capable of performing work at a sedentary level. Based on Dr. Polanco’s report, Aetna upheld its decision to terminate Plaintiff’s benefits.
Issues: Plaintiff makes several related arguments in support of her motion for summary judgment. (1) First, she argues that Aetna’s vocational review was flawed and insufficient. She asserts that the initial TSA relied solely on the restrictions imposed by an independent medical examiner, while ignoring the medical records from Plaintiff’s treatment providers. Plaintiff argues that Aetna failed to evaluate whether she was able to perform the material duties of the sedentary occupations it identified. Plaintiff further notes that Aetna did not conduct a comprehensive vocational analysis after the submission of Plaintiff’s appeal, and that Aetna ignored the vocational review conducted by her vocational expert. (2) Next, Plaintiff argues that Aetna was unfairly selective in its review of the medical evidence and ignored evidence of her chronic pain. (3) Plaintiff also argues that Aetna unreasonably evaluated her medical conditions in isolation from one another and failed to consider the constellation of symptoms from all of her various ailments. Plaintiff claims that her disability stems from the intersection of the symptoms of her back condition, hip injuries, upper body injuries, gynecological issues, and the respective treatments for each of those conditions. Aetna, she contends, relied on Dr. Polanco’s assessment, which focused solely on Plaintiff’s lower-back problems and ignored the opinions from her treating physicians regarding her other conditions. (4) Finally, Plaintiff argues that Aetna had a structural conflict of interest in the review of Plaintiff’s claim and that this conflict should be factored into this Court’s review of Aetna’s decision.
Holdings: (1)The Court held that each of the independent medical exam reports do not constitute “substantial evidentiary grounds for a reasonable decision” to deny Plaintiff’s LTD benefits. Aetna’s final termination letter mentions the vocational counselor’s report but does not explain why the counselor’s findings were rejected. Dr. Polanco’s report , however, addressed the vocational counselor’s assessment and rejected it because the vocational counselor had allegedly based his opinions primarily on the treating doctor’s findings, which, according to Dr. Polanco, were not supported by clinical evidence. However, the Court held that the treating physician’s report was based on his clinical findings, especially with regard to the reports of the extent of Plaintiff’s chronic pain. Additionally, in producing his report—which was the only vocational assessment conducted on the basis of medical records—the vocational counselor reviewed all of Plaintiff’s records, placing special emphasis on those from the Plaintiff’s treating physicians. The Court held, “It was not reasonable, on these grounds, for Aetna to rely on Dr. Polanco’s summary dismissal of all findings of one of Plaintiff’s primary treating physicians, as well as the findings of the only independent vocational assessment conducted in this case. This reliance constitutes an abuse of discretion.” (2) The Court held, “Additionally, Aetna abused its discretion by failing to address the impact of Plaintiff’s chronic medication usage on her ability to perform a fulltime sedentary occupation at the requisite wage rate. … The medication issue is a critical component to the determination of whether Plaintiff is capable of performing ‘any reasonable occupation’ at the target wage rate.” (3) The Court held, “Aetna also abused its discretion by dismissing without explanation four [Attending Physician Statement] APS and Capabilities and Limitations Worksheets, which showed that, from February of 2009 until at least February of 2012, Plaintiff could not perform full-time sedentary work.” (4) The Court did not decide on this issue: “Having already found—without considering this additional factor—that Aetna abused its discretion, I need not delve into an examination of Aetna’s conflict. I shall simply add that the structural nature of the claims process adds fodder to my conclusion that Aetna failed to provide a principled, substantiated review as mandated by ERISA.”
Summary: The Court granted Plaintiff’s Motion for Summary Judgment: “As explained above, I have identified three primary reasons for determining that Aetna abused its discretion in denying Plaintiff’s benefits: Inappropriate reliance on unreliable findings by Drs. Topper, McPhee, and Polanco; failure to address Plaintiff’s qualifications and ability to engage in sedentary occupations in light of her medication requirements; and failure to address the findings in the APS and Capabilities and Limitations Worksheets showing that Plaintiff could not perform full-time sedentary work. These findings represent my opinion that Aetna erred in both the manner in which it conducted its review and in the substantive outcome of its decision. After thoroughly reviewing the record, I am convinced that Plaintiff was denied benefits to which she was clearly entitled; therefore, I do not see the benefit, under these circumstances, of remanding this case to the claims administrator for further evaluation.”
Disclaimer: This was not a case handled by disability attorney Nick A. Ortiz. The court case is summarized here to give readers a better understanding of how Federal Courts decide long term disability ERISA claims.
Here is a PDF copy of the decision: