Kay
Kay v. Hartford Life and Accident Insurance Company
Opinion
Trial Court Opinion
UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF CALIFORNIA 10 ANNE M. KAY, Case No.: 19-cv-209-MMA (AHG)
ORDER FOLLOWING BENCH
Plaintiff, TRIAL v.
HARTFORD LIFE AND ACCIDENT
INSURANCE COMPANY 15 Defendant. 16
18 Plaintiff Anne M. Kay (“Plaintiff”) filed the instant action against Defendant Hartford Life and Accident Insurance Company (“Hartford” or “Defendant”) pursuant to the Employee Retirement Income Security Act, 29 U.S.C. § 1001, et seq. (“ERISA”). See Doc. No. 1 (“Compl.”). Plaintiff alleges two causes of action under 29 U.S.C. §§ 1132(a)(1)(B) and (a)(3)—colloquially, ERISA sections 502(a)(1)(B) and 502(a)(3). She seeks to recover benefits under a group long-term disability policy issued by Hartford to Plaintiff’s prior employer. Both parties timely filed opening trial briefs, see Doc. Nos. 38 and 41, and responsive trial briefs, see Doc. Nos. 51 and 52. The Court conducted a bench trial on March 2, 2021. See Doc. No. 54. Having considered the 28 parties’ submissions, the administrative record,1…