Opinion ID: 3034642
Heading Depth: 3
Heading Rank: 2

Heading: for at least 14 days in a row.

Text: App. A-690. -3- Klimowicz’s appeal was reviewed by Michelle Schwab, Ph.D., Unum’s Medical Director, who “accept[ed] a biopsychosocial explanation for depression” but rejected the claim nonetheless because of “(1) classification of diagnosis in DSM-IV; (2) treatment by mental health professional; (3) treatment with interventions—psychotherapy and psychopharmacology—known to be appropriate for mental illness.” App. A-459. On August 20, 2001, Unum informed Klimowicz that it would not reverse the claim determination. On October 11, 2001, Unum informed him that this decision had been affirmed on appeal by Unum’s Quality Performance Support Unit. Klimowicz filed suit in state court on May 19, 2004, and the suit was removed to federal court on June 24, 2004. Klimowicz’s action was stayed from March 2, 2005, to November 6, 2006, during which period Unum reviewed and denied Klimowicz’s claim again. After the stay was lifted, Unum filed a motion for summary judgment asserting that the complaint was barred by a three-year contractual limitation clause. On September 28, 2007, the District Court granted summary judgment for Unum.