Gatti

FOR PUBLICATION

UNITED STATES COURT OF APPEALS

FOR THE NINTH CIRCUIT

TERRI GATTI, 

Plaintiff-Appellee, No. 03-15562 v.  D.C. No.

CV-01-00175-FRZ

RELIANCE STANDARD LIFE

INSURANCE COMPANY,

Defendant-Appellant. 

TERRI GATTI, 

Plaintiff-Appellee, No. 03-16183 v.  D.C. No.

CV-01-00175-FRZ

RELIANCE STANDARD LIFE

INSURANCE COMPANY, OPINION

Defendant-Appellant.  Appeal from the United States District Court for the District of Arizona Frank Zapata, District Judge, Presiding

Argued and Submitted October 6, 2004 Submission Deferred October 8, 2004 Resubmitted May 31, 2005 San Francisco, California

Filed May 31, 2005

Before: Pamela Ann Rymer, Richard C. Tallman, and Carlos T. Bea, Circuit Judges.

Opinion by Judge Tallman; Concurrence by Judge Rymer

5841 5844 GATTI v. RELIANCE STANDARD LIFE INSURANCE

COUNSEL

Joshua Bachrach, Rawle & Henderson, LLP, Philadelphia, Pennsylvania, for the appellant.

Barry Kirschner, Waterfall, Economidis, Caldwell, Hanshaw & Villamana, P.C., Tuscon, Arizona, for the appellee.

OPINION

TALLMAN, Circuit Judge:

Reliance Standard…