UNITED STATES DISTRICT COURT

FOR THE DISTRICT OF COLUMBIA

________________________________________

)

CAROLINA ZALDUONDO, )

)

Plaintiff, )

)

v. ) Civil Action No. 10-1685 (RCL)

)

AETNA LIFE INSURANCE COMPANY, )

)

Defendant. )

________________________________________ )

MEMORANDUM OPINION

This is an ERISA suit, involving a plaintiff suing an insurance company for denying a 

claim for benefits under a health plan. Before the Court are defendant’s Motion [6] to Dismiss 

the Amended Complaint and plaintiff’s Motion [9] to File a Sur-Reply. Upon consideration of 

the motions, oppositions, replies, the entire record in this case, and the applicable law, the Court 

will grant in part and deny in part defendant’s Motion [6] to Dismiss the Amended Complaint 

and deny plaintiff’s Motion [9] to File a Sur-Reply. 

I. BACKGROUND

The plaintiff in this case is Carolina Zalduondo, who has had problems with one of her

hips. Am. Compl. [5] ¶13, Mar. 14, 2011. In August 2009, she decided to pursue a surgical 

treatment for her hip problem. As an employee of an advertising agency in the D.C. area, she 

participated in her employer’s health care plan. Id. ¶4–9. Aetna Life Insurance Company 

(“Aetna”) is the service provider for that plan, pre-certifying medical services received by plan 

participants and adjudicating coverage and payment claims. Id. ¶9. 

Only health care services provided by certain physicians within Aetna’s network are 

covered by Ms. Zalduondo’s plan, and she was allegedly unable to locate successfully an “innetwork” physician who was capable of performing the surgery she required. Id. at ¶13. She 
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called Aetna, seeking information regarding what steps she would have to take to get the services 

of a particular out-of-network physician (“Dr. Wolff”) covered by the plan. Id. ¶14. She was 

told that to get his services covered, she first had to demonstrate that Aetna’s network was 

deficient. Id. ¶16. It’s unclear what sort of showing Ms. Zalduondo made to Aetna or what sort 

of review was undertaken, but in a letter dated September 1, 2009, Aetna denied her request to 

have Dr. Wolff’s services treated as in-network services under the plan. Id. ¶17.

On September 11, 2009, Ms. Zalduondo received a letter from Aetna denying her request 

that the company pre-certify the surgical procedure she was planning to have. Id. ¶21. She again 

called Aetna, apparently to dispute Aetna’s decision, and the company arranged a telephone call 

between Dr. Wolff and the doctor from Aetna who had originally denied her pre-certification 

request. Id. ¶22–24. That call took place on September 14, 2009, only two days before Ms. 

Zalduondo had scheduled her surgery. Id. ¶¶24, 28. While it’s unclear what transpired during 

this call, following Ms. Zalduondo’s surgery on September 16, 2009, Aetna notified her that the 

surgery would not be covered for various reasons. Id. ¶29–30. Her dispute with Aetna about the 

sufficiency of its physician network persisted, however, with Aetna stating that she could have 

been adequately treated in-network by two physicians other than Dr. Wolff, id. ¶30, and Ms. 

Zalduondo maintaining that these physicians weren’t qualified to perform her surgery. Id. ¶31–

32.

She brought suit in this Court1 against Aetna in October 2010 for violations of the 

Employee Retirement Income Security Act (“ERISA”), 29 U.S.C. § 1001 et seq. Her Amended 

Complaint brings two claims. First, she brings a claim for improper denial of benefits (“Claim

1”) under 29 U.S.C. § 1132(a)(1)(B), which authorizes civil suits by plan participants to recover 

 1 This case was originally before the Honorable Richard W. Roberts. However, in January 2001 it was reassigned 

by consent to the Honorable Beryl A. Howell, and then again reassigned to this Court in February 2012.
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benefits due under a plan and to enforce participants’ rights under a plan. Am. Compl. [5] ¶38–

43. She alleges, in Claim 1, that Aetna failed to fully and fairly review her claim, failed to 

provide her with information regarding the bases of its decision to deny her claim, and violated a 

certain Department of Labor regulation that requires the “fiduciary” of a group health plan, in 

deciding an appeal of an adverse benefit determination based at least in part upon a medical 

judgment, to consult with a “health care professional who has appropriate training and 

experience . . . .” Am. Compl. [5] ¶¶ 40, 42–43 (citing 29 C.F.R. § 2560.503-1(h)(3)(iii)).

Her second claim (“Claim 2”) is for breach of fiduciary duties. Id. ¶44–49 (citing 29 

U.S.C. § 1132(a)(2)). She alleges that Aetna breached its fiduciary duties by failing to 

communicate with her properly about the availability of in-network providers, misrepresenting 

services covered by the plan, failing to inform her of the reasons for denying coverage of her outof-network physician, and misrepresenting the qualifications of the company’s in-network 

physicians. Id. ¶44–48. As to Claim 1, Ms. Zalduondo wants Aetna to pay her benefit claims at 

the in-network rates for Dr. Wolff “and all physicians and specialists who treated” her; to pay for 

“the specific procedures” performed by Dr. Wolff “and the anesthesiologist and surgical 

assistants involved” in the surgery; and to pay her attorney’s fees and expenses. Id. at 9. As to 

Claim 2, she seeks declarations that the plan’s administration is inconsistent with the plan 

documents and with regulations governing the claims appeal process. Id.

In February 2011, Aetna filed a Motion to Dismiss [4] 1, Feb. 25, 2011, but Judge 

Howell denied it as moot because Ms. Zalduondo amended her complaint a couple of weeks 

later. In March 2011, Aetna filed the instant Motion, seeking dismissal of Ms. Zalduondo’s 

Amended Complaint. Def.’s Mot. Dismiss [6] 1, Mar. 31, 2011. Aetna’s Motion to Dismiss 

became ripe at the end of April 2011. However, to bring to the Court’s attention a recent 

Supreme Court decision with (purportedly) some bearing on its review of Aetna’s Motion to 
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Dismiss, Ms. Zalduondo filed a Motion to File a Sur-Reply at the end of May 2011. Pl.’s Mot. 

File Sur-Reply [9] 1, May 26, 2011.

II. LEGAL STANDARD

A motion to dismiss is appropriate when a complaint fails “to state a claim upon which 

relief can be granted.” Fed. R. Civ. P. 12(b)(6). To overcome this hurdle, a complaint must 

contain “a short and plain statement of the claim showing that the pleader is entitled to relief, in 

order to give the defendant fair notice of what the . . . claim is and the grounds upon which it 

rests.” Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007) (internal quotations omitted). The 

Court must “accept as true all of the factual allegations contained in the complaint,” Atherton v. 

District of Columbia, 567 F.3d 672, 681 (D.C. Cir. 2009), and grant a plaintiff “the benefit of all 

inferences that can be derived from the facts alleged.” Kowal v. MCI Commc’ns Corp., 16 F.3d 

1271, 1276 (D.C. Cir. 1994). However, the Court may not “accept inferences drawn by plaintiffs 

if such inferences are unsupported by the facts set out in the complaint.” Id. In other words, 

“only a complaint that states a plausible claim for relief survives a motion to dismiss.” Ashcroft 

v. Iqbal, 129 S. Ct. 1937, 1950 (2009); see also Atherton, 567 F.3d at 681.

III. STATUTORY FRAMEWORK

ERISA was enacted as a comprehensive regulation of private employee benefit plans for 

the purpose of protecting their participants and beneficiaries. See Aetna Health Inc. v. Davila, 

542 U.S. 200 (2004); Pilot Life Ins. Co. v. Dedeaux, 481 U.S. 41 (1987). To enforce compliance 

with ERISA and the terms of ERISA plans, the statute authorizes participants or beneficiaries of 

such plans to bring suit in federal court to recover benefits due under the terms of their plans or 

to enforce their rights under such plans. See 29 U.S.C. § 1132(a)(1)(B). Participants or 

beneficiaries may also sue, via § 1132(a)(2), for “appropriate relief” under § 1109, which 

establishes personal liability for an ERISA fiduciary for breaches of fiduciary duties that result in 
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losses to the plan. See 29 U.S.C. § 1109(a). Finally, plan beneficiaries or participants may sue 

under § 1132(a)(3) to enjoin violations of ERISA or of the terms of an ERISA plan, or to obtain 

“other appropriate equitable relief” to redress or enforce such violations. Id. § 1132(a)(3).

While ERISA does not explicitly require exhaustion of administrative remedies, the D.C. 

Circuit has held (alongside most other circuits) that plaintiffs seeking to recover benefits under 

ERISA plans must exhaust available administrative remedies under those plans before bringing a 

lawsuit in federal court. Commc’ns Workers of Amer. v. Amer. Tel. & Tel. Co., 40 F.3d 426, 

431–32 (D.C. Cir. 1994); see also Dorsey v. Jacobson Holman, PLLC, 707 F. Supp. 2d 21, 27 

(D.D.C. 2010). The exhaustion requirement applies to claims for benefits as well as claims for 

breach of fiduciary duty, Dorsey, 707 F. Supp. 2d at 27 (citing Simmons v. Wilcox, 911 F.2d 

1077, 1081 (5th Cir. 1990)), and “prevents premature or unnecessary judicial interference with 

plan administrators.” Cox v. Graphic Commc’ns Conference of Int’l Bhd. of Teamsters, 603 F. 

Supp. 2d 23, 29 (D.D.C. 2009). Furthermore, requiring plan participants to exhaust their 

administrative remedies enables plan administrators to manage plans efficiently, correct their 

errors outside of court, interpret applicable plan provisions, and assemble a factual record that 

would assist a reviewing court in evaluating their actions. See Makar v. Health Care Corp. of 

Mid-Atlantic (CareFirst), 872 F.2d 80, 83 (4th Cir. 1989).

IV. AETNA’S MOTION TO DISMISS

Aetna presents two principal arguments2 in its Motion: first, that certain components of 

Ms. Zalduondo’s claim for denial of benefits in Claim 1 must be dismissed for failure to exhaust 

 2 Aetna also argues, although somewhat half-heartedly, that Ms. Zalduondo’s ERISA claims should be dismissed 

because she fails, in her Amended Complaint, to allege that she is an employee of WP Group USA, Inc., a plan 

participant, or a plan beneficiary. Def.’s Mem. [6-1] 2. Her claims require that she be a plan “participant” or 

“beneficiary” to obtain relief. See 29 U.S.C. § 1132(a)(1)–(3). However, Aetna’s argument fails because the Court, 

on a motion to dismiss, must give Ms. Zalduondo the benefit of all reasonable inferences that can be derived from 

the facts alleged, Kowal 16 F.3d at 1276, and it is more than reasonable to infer that she was an employee of WP 
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administrative remedies; and second, that Claim 2 should be dismissed because Ms. Zalduondo’s 

Amended Complaint only alleges harm to herself, rather than harm to the plan. The Court will 

discuss these arguments, and Ms. Zalduondo’s responses, in turn.

A. Claim 1: Improper Denial of Benefits

As to the exhaustion issue, the Court finds that Ms. Zalduondo’s allegations in Claim 1

are insufficient as to most aspects of that claim. As stated above, plaintiffs seeking to recover 

benefits under ERISA plans are required to exhaust their administrative remedies before filing 

suit. Commc’ns Workers, 40 F.3d at 431–32. While Ms. Zalduondo’s complaint has a section 

titled “Exhaustion of Administrative Remedies”—which would have been an ideal location to 

provide specifics on this issue—that section fails to allege the necessary facts; instead, it 

curiously incorporates the “foregoing” paragraphs, even though none of the paragraphs

preceding the section contain any facts related to her pursuit of administrative appeals of Aetna’s 

alleged errors and omissions. See Am. Compl. [5] ¶3. 

Ms. Zalduondo’s only reference in her Amended Complaint to facts that, if proved, 

would demonstrate exhaustion of administrative remedies is her statement, in paragraph 37, that 

she “twice appealed [Aetna’s] refusal to pay Dr. Wolff’s treatment at the in-network rate . . . .” 

Id. ¶37. By contrast, she pleads no facts indicating that she exhausted her claim that Aetna 

improperly denied coverage for the surgical procedure on various grounds, including that the 

procedure was “experimental” or “investigational.” Id. ¶29. Ms. Zalduondo was required to 

seek an administrative resolution of this distinct issue before asserting it as a claim in this Court, 

and to allege facts in her Amended Complaint that, if true, would prove that she did so. Such 

facts, however, are not alleged.

 

Group USA, Inc., and a plan “participant” or “beneficiary,” given the course of conduct between the parties as she 

sought coverage for the services of her out-of-network doctor.
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Ms. Zalduondo attempts to remedy this pleading deficiency by attaching evidence to her 

Opposition to Aetna’s Motion to Dismiss. Pl.’s Opp’n [7] 3, Apr. 19, 2011. However, the 

Court, in reviewing that Motion, may only consider “the facts alleged in the complaint, 

documents attached thereto or incorporated therein, and matters of which it may take judicial 

notice.” Stewart v. Nat’l Educ. Ass’n, 471 F.3d 169, 173 (D.C. Cir. 2006). The evidence 

attached to Ms. Zalduondo’s Opposition was not attached to her Amended Complaint, and while 

a document doesn’t have to be named to be “incorporated” in a complaint, see Weiner v. Klais & 

Co., 108 F.3d 86, 89 (6th Cir. 1997), there has to be something in the Amended Complaint

referencing the specific documents she attaches to her Opposition. However, Ms. Zalduondo’s 

Amended Complaint does not “incorporate” these documents in any sense, and therefore the 

Court will not consider them. 

Accordingly, the Court will dismiss from the ambit of Claim 1 of Ms. Zalduondo’s 

Amended Complaint any claims other than her claim that Aetna improperly refused to pay for 

Dr. Wolff’s surgical procedure at the company’s in-network rates. While Aetna, in its proposed 

order, asks the Court to dismiss the Amended Complaint “in its entirety,” see Proposed Order [6-

1] 1, its Motion to Dismiss fails to challenge Claim 1 to the extent that it is based on the 

allegation that Aetna improperly denied Ms. Zalduondo’s request to have Dr. Wolff’s surgical 

procedure covered at the in-network rate. Therefore, that aspect of Claim 1 survives its Motion 

to Dismiss.

B. Claim 2: Breach of Fiduciary Duties

The Court concludes that Ms. Zalduondo’s Amended Complaint fails to state a claim for 

breach of fiduciary duty in Claim 2, whether brought under 29 U.S.C. § 1132(a)(2) or § 

1132(a)(3). 
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As an initial matter, Ms. Zalduondo’s Amended Complaint asserts 29 U.S.C. § 

1132(a)(2), not § 1132(a)(3), as the basis for her breach of fiduciary claim. Am. Compl. [5] ¶49. 

Section 1132(a)(2), as specified above, authorizes plan participants to sue a fiduciary on behalf 

of the plan for “appropriate relief” under § 1109. Section 1109 establishes personal liability for 

an ERISA fiduciary who breaches fiduciary duties that result in losses to the plan. See 29 U.S.C. 

§ 1109(a). In Aetna’s Motion to Dismiss, it argues that Ms. Zalduondo’s Amended Complaint 

fails to state a claim for relief under Section 1132(a)(2) because the only harm Ms. Zalduondo

alleges is harm to herself, rather than harm to the ERISA plan. Def.’s Mem. [6-1] 7. The Court 

agrees with Aetna, given that the Supreme Court has stated that the principal concern of § 1109 

is with “misuse of plan assets, and with remedies that would protect the entire plan, rather than 

with the rights of an individual beneficiary.” Massachusetts Mut. Life Ins. Co. v. Russell, 473 

U.S. 134, 142 (1985). Indeed, the Supreme Court has stated clearly that § 1132(a)(2) “does not 

provide a remedy for individual beneficiaries.” Varity Corp. v. Howe, 516 U.S. 489, 515 (1996). 

In short, Ms. Zalduondo doesn’t allege that Aetna’s various errors and omissions resulted in 

harm to the plan, and so Claim 2 as alleged may not go forward under § 1132(a)(2). 

Ms. Zalduondo argues in her Opposition that § 1132(a)(3) provides an alternative basis 

for relief. Pl.’s Opp’n [7] 4. However, the Court concludes that even if Claim 2 is construed as 

brought under that ERISA provision, the claim fails to survive Aetna’s Motion to Dismiss. 

As stated above, § 1132(a)(3) of ERISA permits plan beneficiaries or participants to 

bring suit to enjoin violations of ERISA or of the terms of an ERISA plan, or to obtain “other 

appropriate equitable relief” to redress or enforce such violations. 29 U.S.C. § 1132(a)(3). 

While the D.C. Circuit has not decided whether a plaintiff may simultaneously pursue a claim for 

denial of benefits under § 1132(a)(1)(B) and a claim for breach of fiduciary duty under § 

1132(a)(3), the Supreme Court has noted that “where Congress elsewhere provided adequate 
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relief for a beneficiary’s injury, there will likely be no need for further equitable relief, in which 

case such relief normally would not be ‘appropriate.’” Varity Corp. 516 U.S. at 515 (quoting 29 

U.S.C. § 1132(a)(3)). Section 1132(a)(3) is a “catchall provision” that “act[s] as a safety net, 

offering appropriate equitable relief for injuries caused by violations that [§ 1132] does not 

elsewhere remedy.” Id. at 512. Courts in this Circuit have generally followed the view of the 

majority of circuits that a breach of fiduciary claim under § 1132(a)(3) cannot stand when a 

plaintiff has an adequate remedy for her injuries under § 1132(a)(1)(B). See Kifafi v. Hilton 

Hotels Ret. Plan, 616 F. Supp. 2d 7, 39 (D.D.C. 2009); Clark v. Feder semo & Bard, P.C., 527 

F. Supp. 2d 112, 116 (D.D.C. 2007); Crummett v. Metro. Life Ins. Co., No. 06-01450 (HHK), 

2007 WL 2071704, at *2–3 (D.D.C. July 16, 2007).

The Court finds that equitable relief pursuant to § 1132(a)(3) is not appropriate in this 

case based on the allegations in the Amended Complaint. The only harm alleged in Ms. 

Zalduondo’s Amended Complaint—that is, the harm suffered by her through Aetna’s allegedly 

improper denial of her request to pay for Dr. Wolff’s medical services at in-network rates—is 

adequately provided for in the denial-of-benefits claim brought pursuant to § 1132(a)(1)(B). Ms. 

Zalduondo does not allege harm to herself from the apparently isolated administrative errors or 

omissions she lists in paragraphs 44 to 48 of her Amended Complaint that is separable from the 

harm flowing from the allegedly improper denial of benefits, and therefore she has not pled facts 

establishing her entitlement to equitable relief under § 1132(a)(3). See Kramler v. H/N 

Telecomm. Servs., Inc., 305 F.3d 672, 681 (7th Cir. 2002). 

Ms. Zalduondo suggests, based on a district court case out of Pennsylvania, that the Court 

should defer dismissing her breach of fiduciary claim until it is determined that adequate relief is 

actually available under § 1132(a)(1)(B). Pl.’s Opp’n [7] 5 (citing Parente v. Bell AtlanticPennsylvania, No. CIV. A. 99-5478, 2000 WL 419981, at *3 (E.D. Pa. Apr. 18, 2000)). But the 
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Court finds that this out-of-circuit authority conflicts with the well-reasoned views of courts in 

this Circuit, which have found that the determination of adequacy must be made based upon the 

allegations in the complaint, and not upon the merits outcome of particular claims. See, e.g.,

Stephens v. US Airways Group, 555 F. Supp. 2d 112, 120 (D.D.C. 2008); Crummett, 2007 WL 

2071704, at *3. 

Therefore, Aetna’s Motion to Dismiss will be granted with respect to Claim 2 of Ms. 

Zalduondo’s Amended Complaint.

V. MS. ZALDUONDO’S MOTION FOR LEAVE TO FILE A SUR-REPLY

Ms. Zalduondo seeks leave to file a sur-reply, based upon her contention that a recent 

case from the Supreme Court is relevant to the Court’s resolution of Aetna’s Motion to Dismiss. 

Pl.’s Mot. Leave [9] 1, May 26, 2011. Ms. Zalduondo argues that Cigna Corp. v. Amara, 131 S. 

Ct. 1866 (2011) “clarifies” that breach of fiduciary claims brought under 29 U.S.C. § 1132(a)(3) 

are not limited to relief to the plan, but also permit individualized relief. Pl.’s Reply [11] 2, June 

20, 2011. However, there has been clarity on this point among courts for many years. See 

Varity, 516 U.S. at 507–16. In any case, the Court has read the Supreme Court’s decision in 

Amara, and Ms. Zalduondo’s attached Sur-Reply, and concludes that neither is helpful is 

resolving the issues before the Court. Therefore Ms. Zalduondo’s Motion [9] to File a Sur-Reply 

will be denied.

VI. CONCLUSION

For the reasons stated above, the Court will grant in part and deny in part defendant’s 

Motion [6] to Dismiss the Amended Complaint and deny plaintiff’s Motion [9] to File a SurReply.

A separate Order consistent with this Memorandum Opinion shall issue this date.

Signed by Royce C. Lamberth, Chief Judge, on February 27, 2012.