Glotzer

MEMORANDUM **

William Glotzer (hereinafter “Glotzer”) appeals from the district court’s grant of summary judgment affirming Metropolitan Life Insurance Company’s (hereinafter “MetLife”) decision to terminate Glotzer’s Long Term Disability (“LTD”) benefits. Glotzer worked as an engineer for Northrop Grumman from May 19, 1986, to February 17, 1995. By virtue of that employment, he was insured for disability under an ERISA plan issued by the Travelers Insurance Company (“the Travelers”). MetLife assumed the Travelers’ disability insurance obligations in 1994.

In early 1995, Glotzer filed a disability benefits claim. Previously, he had been diagnosed with irritable bowel syndrome (“IBS”), anxiety, depression, and other *742 mental disorders. The majority of the doctors who examined Glotzer around the time he made his claim concluded that his mental disorders appeared to cause his physical complaints.

In an October 25, 1995, letter, MetLife notified Glotzer that it had determined his disability was “due to a mental or nervous impairment,” and that, therefore, his benefits would terminate after two years. Because Glotzer suffered a disabling spinal injury in a 1996 car accident,…