Gunn
Gunn v. Reliance Standard Life Insurance
Opinion
Opinion
Cooper, J.
ORDER ON ADMINISTRATIVE REVIEW
This matter is before the Court on administrative review. The Court has reviewed the parties’ briefs and the administrative record. As explained herein, the Court reviews the administrative decision de novo and concludes that Plaintiff is entitled to benefits under the Plan.
I. INTRODUCTION
Plaintiff appeals the defendant insurer’s termination of long-term disability benefits.
II. FACTUAL AND PROCEDURAL BACKGROUND
In 2001, Plaintiff Igor Gunn (“Gunn”) was employed by UBS/Paine Webber (“PW”) as a financial advisor. At the time, PW participated in a long-term disability (“LTD”) plan (“the Plan”) which was administered by defendant Reliance Standard Life Insurance Co. (“Reliance”). Administrative Record (“AR”) at 1.
The summary plan description (“SPD”) sets forth a description of a limitation on benefits provided for periods of disability related to mental or nervous disorders:
Chandler Decl., Ex. A at 17.
The policy of insurance also sets forth a description of a limitation on benefits as well:
AR at 19. “Mental or Nervous Disorders” is defined by the policy as including “depressive disorders”. AR at 19.