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finding that "mental disorder" defined by DSM under plan was unambiguous, clear, and exclusion enforceable
Summary of this case from Principal Life Ins. Co. v. Doctors Vision Ctr. I, PLLCOpinion
No. 09-55569.
The panel unanimously concludes this case is suitable for decision without oral argument. See Fed.R.App.P. 34(a)(2).
Filed May 12, 2010.
Charles Fleishman, Law Offices of Charles J. Fleishman, A Professional Corporation, Northridge, CA, for Plaintiff-Appellant.
Daniel William Maguire, Esquire, Burke Williams Sorensen, LLP, Los Angeles, CA, for Defendants-Appellees.
Appeal from the United States District Court for the Central District of California, Victor B. Kenton, Magistrate Judge, Presiding. D.C. No. 2:07-cv-08090-VBK.
MEMORANDUM
This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3.
Plaintiff-Appellant Aleck Simonia ("Simonia") appeals a district court decision and judgment in favor of Defendants-Appellees Glendale Nissan/Infiniti Disability Plan and the Hartford Insurance Company ("Hartford") following a one-day bench trial in his Employee Retirement Income Security Act ("ERISA") action seeking continuing long-term disability benefits for depression. The parties are familiar with the facts of the case and we do not repeat them here. We have jurisdiction pursuant to 28 U.S.C. § 1291, and we affirm the judgment of the district court.
We need not reach Simonia's argument regarding the appropriate standard of review, because we agree with the district court that "even if [we] adopted a de novo standard of review, the conclusion would be the same." Simonia v. Hartford Ins. Co., 606 F.Supp.2d 1091, 1098 (C.D.Cal. 2009).
Hartford did not err in determining that Simonia was no longer physically disabled. Even assuming that Hartford violated 29 C.F.R. § 2560.503-1(h)(3)(iv) by failing to identify the "Rehabilitation Clinical Case Manager" by name, Simonia points to no prejudice resulting from such violation that would merit any relief. See Parker v. BankAmerica Corp., 50 F.3d 757, 769 (9th Cir. 1995). Because the 2007 Assessment of Employability explained the underlying methodology for its conclusion, we are satisfied that Hartford substantially complied with ERISA claims procedures and therefore provided Simonia's claim the requisite full and fair review. See Brogan v. Holland, 105 F.3d 158, 165-66 (4th Cir. 1997).
Hartford similarly did not err in classifying Simonia's diagnosis of depression as a "mental disorder" subject to the plan's twelve-month payment limit. Here, unlike in Kunin v. Benefit Trust Life Insurance Co., 910 F.2d 534, 541 (9th Cir. 1990), and Patterson v. Hughes Aircraft Co., 11 F.3d 948, 950 (9th Cir. 1993) (per curiam), the doctrine of contra proferentem does not apply. Under the plan, "`Mental Disorder' means a disorder found in the current diagnostic standards manual of the American Psychiatric Association." Simonia's psychiatrist, Dr. Lukas Alexanian, repeatedly diagnosed Simonia as "depressed" and "severely depressed." The "current diagnostic standards manual of the American Psychiatric Association" is the Diagnostic and Statistical Manual of Mental Disorders, Fourth Edition Text Revision. Depressive disorders are "found" on pages 369 to 382. See Diagnostic and Statistical Manual of Mental Disorders, Fourth Edition Text Revision (2000) at 369-82.
Simonia's depressive disorder is unambiguously a "mental disorder" under the plain language of the plan, and as a result, the doctrine of contra proferentem does not apply. Cf. Kunin, 910 F.2d at 541. Simonia's argument that his depression is caused by a prior physical disorder is thus unavailing. See id. Hartford did not err by invoking the plan's twelve-month limitation on disability payments for mental disorders.
Simonia's separate appeal seeking attorney fees — No. 09-56025 — has been held in abeyance pending the Supreme Court's disposition of Hardt v. Reliance Standard Insurance Co., Sup. Ct. No. 09-448. This disposition shall have no effect on the order of abeyance in that case.