McCulloch
McCulloch v. Hartford Life and Accident Insurance Company
Opinion
Trial Court Opinion
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA 6 KRISTIN E. MCCULLOCH, Case No. 19-cv-07716-SI
Plaintiff,
FINDINGS OF FACT AND
v. CONCLUSIONS OF LAW; ORDER
DENYING DEFENDANT’S
HARTFORD LIFE AND ACCIDENT OBJECTION TO EXTRINSIC
INSURANCE COMPANY, EVIDENCE
11 Defendant. Re: Dkt. Nos. 40, 43 12 Plaintiff Kristin E. McCulloch challenges Hartford Life and Accident Insurance Company’s (“Hartford Life”) denial of plaintiff’s long-term disability (“LTD”) claim under the Employee Retirement Income Security Act of 1974 (“ERISA”), 29 U.S.C. § 1001 et. seq. On December 4, 2020, the Court held a bench trial. Currently before the Court are parties’ cross motions for judgment pursuant to Federal Rule of Civil Procedure 52. The parties have agreed that the proper standard of review is de novo. Dkt. Nos. 34 at 17; 35 at 2. This order comprises the findings of fact and conclusions of law required by Federal Rule of Civil Procedure 52(a). For the reasons set forth below, the…