Yolanda Rios v. UNUM Life Insurance Company of America

INTRODUCTION

2 The parties filed Trial Briefs and Responses in this matter on July 13, 2020 4 and August 10, 2020, respectively. 5 This is a review, under the Employee Retirement Income Security Act 6 (“ERISA”), of Defendant Unum Life Insurance Company’s (“Defendant”) denial 8 of Plaintiff Yolanda Rios’ (“Plaintiff”) claim for disability benefits. The Court 9 issues the following findings of fact and conclusions of law pursuant to Federal 11 Rule of Civil Procedure 52. To the extent that any findings of fact are included in 12 the conclusions of law section, they shall be deemed findings of fact, and to the 13 extent that any conclusions of law are included in the findings of fact section, they 15 shall be deemed conclusions of law. 16 __________________________________________ _________________

FINDINGS OF FACT SOURCE (AR)

19 ___________________________________________ _________________ 20 1.) The parties have stipulated, and the Court has 1.) DKT 31,32 22 accepted their stipulation, to de novo review. 23 ________________________________________________________________ 25 2.) The plan in…