McCulloch
McCulloch v. Hartford Life and Accident Insurance Company
Opinion
Trial Court Opinion
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA 7 KRISTIN E. MCCULLOCH, Case No. 19-cv-07716-SI
Plaintiff,
OPINION AND MEMORANDUM OF
v. DECISION ON PLAINTIFF’S ERISA
SECTION 1132(A)(1)(B) ACTION TO
HARTFORD LIFE AND ACCIDENT CLARIFY RIGHTS TO BENEFITS INSURANCE COMPANY, et al., 12 Defendants. 13 Kristin McCulloch initiated this ERISA action after she was denied benefits under an employer-sponsored long-term disability group plan (“LTD Policy”) administered by Hartford Insurance. The Court previously determined McCulloch qualified as disabled from her “own occupation” under the terms of the LTD Policy and entered partial judgment in her favor under Fed. R. Civ. P. 54(b). Dkt. No. 45. Now before the Court is McCulloch’s claim against Hartford to clarify her “rights to future benefits under the terms of the plan.” 29 U.S.C. § 1132(A)(1)(B). The Court held a bench trial on February 22, 2022. At issue is whether McCulloch qualifies as a Class 1 or Class 2 insured under the LTD…