Court Opinion

ID: 3192855
Source: CourtListenerOpinion
Date Created: 2016-04-12 03:04:29.111865+00
Date Added: 2024-06-11T14:36:13.119134
License: Public Domain

Case: 15-50035   Document: 00513459521    Page: 1   Date Filed: 04/11/2016

          IN THE UNITED STATES COURT OF APPEALS
                   FOR THE FIFTH CIRCUIT
                                                                 United States Court of Appeals
                                                                          Fifth Circuit
                                No. 15-50035                            FILED
                                                                    April 11, 2016
                                                                   Lyle W. Cayce
PATRICK BURELL; ARACELLI BURELL,                                        Clerk

             Plaintiffs–Appellants,

v.

PRUDENTIAL INSURANCE COMPANY OF AMERICA,

             Defendant–Appellee.

                Appeal from the United States District Court
                     for the Western District of Texas

Before STEWART, Chief Judge, and BARKSDALE and PRADO, Circuit
Judges.
Edward C. Prado, Circuit Judge:
      Plaintiff–Appellant Patrick Burell filed a claim for long-term disability
benefits with Defendant–Appellee Prudential Insurance Company of America
(“Prudential”). Prudential denied Burell’s initial claim and two subsequent
appeals. Burell then filed suit against Prudential under the Employee
Retirement Income Security Act (“ERISA”), 29 U.S.C. § 1001 et seq., alleging
that its denial of his long-term disability-benefits claim was in error. The
district court granted summary judgment in favor of Prudential, and we affirm.
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                                  No. 15-50035
           I. FACTUAL AND PROCEDURAL BACKGROUND
      In 1985, Burell began working as an entry-level technician for Methodist
Healthcare Systems (“MHS”). After 26 years, he ended his career as Director
of Biomedical Services for all San Antonio MHS facilities. As an employee of
MHS, Burell participated in the company’s insurance plan (“the Plan”), which
is provided through HCA Management Services, L.P. Prudential acts as both
administrator and insurer of the Plan. In order to qualify for long-term
disability benefits, a claimant must meet the following definition of “disabled”:
the claimant must (1) be “unable to perform the material and substantial
duties of [his or her] regular occupation due to [his or her] sickness or injury”;
(2) be “under the regular care of a doctor”; and (3) suffer “a 20% or more loss in
[his or her] monthly earnings due to that sickness or injury.”
      Burell was diagnosed with multiple sclerosis (“MS”) in 2008. Citing
worsening symptoms of MS, in September 2011, Burell went on medical leave
and filed for long-term disability benefits with Prudential, claiming that he
qualified for benefits under the Plan due to MS, headaches, depression, and
anxiety. In January 2012, he stopped working altogether, ending his
employment with MHS. In support of his claim, Burell submitted medical
records from his treating physicians and a psychiatrist. Prudential hired Heidi
Garcia, a registered nurse, and Dr. Alan Neuren, who is board certified in
neurology, to review Burell’s claim. Dr. Neuren found that Burell’s diagnosis
of MS was unsupported by his medical records. He also found it unlikely that
Burell suffered any cognitive impairments, opining that job stress is “likely the
source of his complaints as opposed to a neurological disorder.” Garcia focused
her review on Burell’s claim of depression and anxiety, ultimately finding that
any cognitive symptoms he was experiencing were not sufficient to prevent him
from working. Based on their reports and the medical records submitted,
Prudential denied Burell’s claim for long-term disability benefits.
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      Burell then appealed the decision through Prudential’s internal review
process. On appeal, his claim was reviewed by Dr. Stuart Isaacson, who is
board certified in psychiatry and neurology, and Dr. James Boone, who is a
clinical neuropsychologist. Dr. Isaacson found that Burell did not meet the
diagnostic criteria for MS and did not have “any medically necessary
restrictions and/or limitations from any one condition or combination of
conditions.” Dr. Boone found that Burell’s “file records do not validly support
psychological and/or cognitive symptoms” and that he has no “medically
necessary restrictions and/or limitations.” Based on the opinions of these
physicians   and     Burell’s   medical   records,    which    included    additional
documentation submitted during the appeal process, Prudential again denied
Burell’s claim.
      Burell next sent Prudential a letter demanding the benefits he believed
he was owed under the Plan. Prudential treated this demand letter as a second
appeal and had the claim further reviewed by Dr. Omuwunmi Osinubi, who is
board certified in anesthesiology and occupational medicine, and Dr. Melvyn
Attfield. Dr. Osinubi found that although Burell’s medical records did in fact
support a diagnosis of MS, he did not have any physical limitations due to the
disease. Dr. Osinubi was unable to make a finding on Burell’s alleged cognitive
impairments and suggested an additional neuropsychological review be
performed. Upon Dr. Osinubi’s recommendation, Dr. Michael Chavetz, who is
board certified in clinical neuropsychology, performed an independent
neuropsychological evaluation, finding that Burell did not suffer any cognitive
impairments. On the basis of these opinions and Burell’s medical records,
which included additional documentation submitted during the second appeal
process, Prudential denied Burell’s claim for a third time.
      In April 2013, Burell filed suit against Prudential under 29 U.S.C.
§ 1132(a)(1)(B) and (a)(3), alleging that Prudential wrongfully denied his claim
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for long-term disability benefits. In December 2014, the district court granted
summary judgment in favor of Prudential, and Burell timely appealed.
                              II. DISCUSSION
      The district court had jurisdiction over this suit under 29 U.S.C.
§ 1132(e). This Court has jurisdiction pursuant to 28 U.S.C. § 1291.
       In ERISA actions, “[s]tandard summary judgment rules control.” Cooper
v. Hewlett-Packard Co., 592 F.3d 645, 651 (5th Cir. 2009) (quoting Vercher v.
Alexander & Alexander Inc., 379 F.3d 222, 225 (5th Cir. 2004)). This Court
reviews a district court’s grant of summary judgment de novo, viewing “all
facts and evidence in the light most favorable to the non-moving party.”
Amerisure Mut. Ins. Co. v. Arch Specialty Ins. Co., 784 F.3d 270, 273 (5th Cir.
2015). Summary judgment is appropriate “if the movant shows that there is no
genuine dispute as to any material fact and the movant is entitled to judgment
as a matter of law.” Fed. R. Civ. P. 56(a). A genuine dispute of material fact
exists when “the evidence is such that a reasonable jury could return a verdict
for the nonmoving party.” Savant v. APM Terminals, 776 F.3d 285, 288 (5th
Cir. 2014) (quoting Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986)).
A.    Underlying Standard of Review
      As a preliminary matter, Burell challenges the standard of review the
district court used in analyzing Prudential’s denial of his claim. The district
court reviewed the denial for an abuse of discretion, while Burell argues that
the court should have reviewed the denial de novo. “‘Whether the district court
employed the appropriate standard in reviewing an eligibility determination
made by an ERISA plan administrator is a question of law’ that we review de
novo.” Green v. Life Ins. Co. of N. Am., 754 F.3d 324, 329 (5th Cir. 2014)
(quoting Ellis v. Liberty Life Assurance Co. of Bos., 394 F.3d 262, 269 (5th Cir.
2004)).

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       Generally, in suits brought under 29 U.S.C. § 1132(a)(1)(B), district
courts review the denial of a long-term disability-benefits claim de novo.
Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 115 (1989). But, if the
benefits plan the suit is brought under “gives the administrator or fiduciary
discretionary authority to determine eligibility for benefits or to construe the
terms of the plan,” id., the denial of benefits is reviewed for an abuse of
discretion, Holland v. Int’l Paper Co. Ret. Plan, 576 F.3d 240, 246 (5th Cir.
2009). Therefore, in order to determine whether the district court applied the
correct standard of review, we must consider whether the terms of the Plan
grant Prudential the authority to interpret the Plan and make benefits
decisions.
       As the district court correctly explained, the terms of the Plan expressly
give Prudential discretionary authority. Specifically, the Plan defines “Claim
Fiduciary” as follows:
       Claims Fiduciary means an individual or entity, designated in the
       Plan (including the Summary Plan Description, Insurance
       Contracts or appendices, which are part of the Plan) or otherwise
       appointed by the Plan Administration Committee, to have final
       discretionary authority to interpret the terms of the Plan and
       decide questions of fact, as necessary to make a determination as
       to whether the Claims presented to the Claims Fiduciary are
       payable, in whole or in part, in accordance with the terms of the
       Plan.
The Summary Plan Description (“SPD”) designates Prudential as the Claims
Fiduciary: “All claims and appeals are handled by Prudential. Prudential has
absolute discretion in deciding claims and appeals.” As the Plan expressly gives
Prudential discretionary authority, 1 the district court did not err in reviewing

       1 Burell also argues that there is a conflict between the Plan and the insurance
contract because the insurance contract does not explicitly confer Prudential discretion and,
as such, the language granting Prudential discretionary authority must be ignored. But, as
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the denial of Burell’s long-term disability-benefits claim under an abuse of
discretion standard.
       Burell argues that the district court improperly relied on language in the
SPD. We find this argument unavailing. Typically, the terms of a SPD are not
controlling unless the SPD is incorporated into the plan. See Engleson v. Unum
Life Ins. Co. of Am., 723 F.3d 611, 620 (6th Cir. 2013); Eugene S. v. Horizon
Blue Cross Blue Shield of N.J., 663 F.3d 1124, 1131–32 (10th Cir. 2011). In his
brief, Burell concedes that “[o]nly the plan may subsume an [sic] SPD by
integrating it in the plan’s express terms.” In this case, the Plan expressly
integrates the SPD in several places. For example, the Plan states that “[t]he
Plan document is comprised of this Plan document and, with respect to each
benefit program included within the Plan, the summary plan description(s)
applicable to that benefit program.” The definition of “Claims Fiduciary” above
also expressly incorporates the SPD: “Claims Fiduciary means an individual
or entity, designated in the Plan (including the Summary Plan Description,
Insurance Contracts or appendices, which are part of the Plan).” Therefore,
because the Plan expressly incorporates the SPD, the district court did not err
in relying on its language.
       Burell makes several additional arguments in support of a less
deferential standard of review. First, because Prudential serves as both the
insurer and administrator of the Plan, Burell argues that a structural conflict
of interest exists, and, as such, the district court should have deferred to
Prudential’s denial on a “sliding scale.” A conflict of interest exists when the
plan administrator “both evaluates claims for benefits and pays benefits
claims.” Truitt v. Unum Life Ins. Co. of Am., 729 F.3d 497, 508 (5th Cir. 2013),

the district court correctly concluded, just because “the insurance contract is silent on this
issue does not create a meaningful conflict between” the Plan and the insurance contract.
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                                   No. 15-50035
cert. denied, 134 S. Ct. 1761 (2014) (quoting Metro. Life Ins. Co. v. Glenn, 554
U.S. 105, 112 (2008)). Therefore, Prudential’s role as both administrator and
insurer is a structural conflict of interest. But, a structural conflict alone does
not entitle Burell to an altered standard of review, as this Court “no longer
appl[ies] a ‘sliding scale’ standard.” Holland, 576 F.3d at 247 n.3. Rather, as
discussed below, a structural conflict of interest is “but one factor among many
that a reviewing judge must take into account” in determining whether an
abuse of discretion occurred. Id. at 248 (quoting Glenn, 554 U.S. at 116).
        Second, Burell contends that the district court should have altered the
standard of review because of Prudential’s “flagrant procedural violations.”
But, as Burell concedes, in Lafleur v. Louisiana Health Service and Indemnity
Co., 563 F.3d 148 (5th Cir. 2009), this Court specifically declined to “express
[an] opinion on whether flagrant procedural violations of ERISA can alter the
standard of review.” 563 F.3d at 159. As none of Prudential’s alleged
procedural violations rise to the level of flagrant, we again decline to address
this question.
        Therefore, because the Plan expressly grants Prudential discretionary
authority, we hold that the district court correctly reviewed Prudential’s denial
for an abuse of discretion. As such, our de novo review of its summary judgment
ruling will also apply the abuse of discretion standard. See Cooper, 592 F.3d at
651.
B.      Denial of Long-Term Disability-Benefits Claim
        Burell urges that even under an abuse of discretion standard, the district
court should not have granted summary judgment in favor of Prudential. An
abuse of discretion occurs when “the plan administrator acted arbitrarily or
capriciously.” Meditrust Fin. Servs. Corp. v. Sterling Chems., Inc., 168 F.3d
211, 214 (5th Cir. 1999) (quoting Sweatman v. Commercial Union Ins. Co., 39
F.3d 594, 601 (5th Cir. 1994)). “A decision is arbitrary only if ‘made without a
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rational connection between the known facts and the decision or between the
found facts and the evidence.’” Id. at 215 (quoting Bellaire Gen. Hosp. v. Blue
Cross Blue Shield of Mich., 97 F.3d 822, 828 (5th Cir. 1996)). Therefore, to
survive summary judgment, Burell must raise a genuine dispute of material
fact that Prudential’s denial of his long-term disability-benefits claim was
arbitrary or capricious. Because Burell has failed to do so, we affirm the district
court’s grant of summary judgment.
      Burell argues that Prudential abused its discretion by ignoring the
findings of his treating physicians, emphasizing the fact that his treating
physicians diagnosed him with MS. But, in its letter denying Burell’s second
appeal, even Prudential concedes that “Burell may meet the clinical
requirements for the diagnosis of MS.” Regardless of any disagreement
between Prudential’s claim reviewers, a diagnosis of MS is not sufficient on its
own for Burell to qualify for long-term disability benefits under the Plan. To
qualify, Burell’s MS must also render him “unable to perform the material and
substantial duties of [his] regular occupation.” None of the health care
providers consulted by Prudential found that Burell had physical or cognitive
impairments. Therefore, Prudential’s “decision simply came down to a
permissible choice between the position of [the administrator’s] independent
medical consultant[s], and the position of [the claimant’s physicians],” which
does not amount to an abuse of discretion in this Circuit. Sweatman, 39 F.3d
at 602 (third alteration in original) (quoting Donato v. Metro. Life Ins. Co., 19
F.3d 375, 380 (7th Cir. 1994)); see also Black & Decker Disability Plan v. Nord,
538 U.S. 822, 825 (2003) (“Plan administrators are not obliged to accord special
deference to the opinions of treating physicians”); Gothard v. Metro. Life Ins.
Co., 491 F.3d 246, 249–50 (5th Cir. 2007) (“[P]lan fiduciaries are allowed to
adopt one of two competing medical views.”). “This is so even if the consulting

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physician only reviews medical records and never physically examines the
claimant, taxing to credibility though it may be.” Gothard, 491 F.3d at 249.
      Burell also argues that Prudential failed to give proper weight to the
Social Security Administration’s (“SSA”) determination that he was disabled
and entitled to benefits. But, as the district court noted, the eligibility criteria
for Social Security benefits differ from the eligibility criteria under the Plan.
Despite this difference, during Burell’s second appeal Prudential specifically
requested that Burell submit documentation related to the SSA’s benefit
award for consideration in Prudential’s review process. Prudential’s failure to
give even further weight to the SSA’s decision cannot be characterized as
unreasonable.
      As noted above, because Prudential is both the Plan administrator and
the insurer, a structural conflict of interest exists. This conflict of interest
influences our analysis of whether an abuse of discretion occurred. “[C]onflicts
are but one factor among many that a reviewing judge must take into account”
and “[a]ny one factor will act as a tiebreaker when the other factors are closely
balanced.” Truitt, 729 F.3d at 508 (first alteration in original) (quoting Glenn,
554 U.S. at 116–17). “The conflict of interest . . . should prove more important
(perhaps of great importance) where circumstances suggest a higher likelihood
that it affected the benefits decision, including, but not limited to, cases where
an insurance company administrator has a history of biased claims
administration.” Id. at 508–09 (quoting Glenn, 554 U.S. at 117). Burell has
failed to point to anything in the record that indicates Prudential’s conflict of
interest actually affected the denial of his claim.
      Relatedly, while not an independent basis for finding an abuse of
discretion, procedural unreasonableness “is a factor that informs whether the
‘reviewing court may give more weight to [the plan administrator’s] conflict of
interest.’” Id. at 510 (alteration in original) (quoting Schexnayder v. Hartford
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Life & Accident Ins. Co., 600 F.3d 465, 469–71 (5th Cir. 2010)). Even assuming
that Burell’s allegation of procedural irregularities is true, in light of
Prudential’s thorough claim review and appeal process, Burell has failed to
demonstrate that this one factor is sufficient to raise a genuine dispute of
material fact that Prudential abused its discretion. See Holland, 576 F.3d at
248–49.
      Burell also argues that Prudential abused its discretion by ignoring and
failing to properly investigate two grounds for long-term disability benefits—
anxiety and depression. Prudential argues that Burell waived this argument
by failing to raise it in the district court. “If a party fails to assert a legal reason
why summary judgment should not be granted, that ground is waived and
cannot be considered or raised on appeal.” Keelan v. Majesco Software, Inc.,
407 F.3d 332, 339 (5th Cir. 2005) (quoting Keenan v. Tejeda, 290 F.3d 252, 262
(5th Cir. 2002)). To preserve an argument, it must be raised “to such a degree
that the district court has an opportunity to rule on it.” Id. at 340 (quoting N.Y.
Life Ins. Co. v. Brown, 84 F.3d 137, 141 n.4 (5th Cir. 1996)). In his response to
Prudential’s summary judgment motion, Burell made only passing reference
to this argument in the fact section of his summary judgment response. This
brief reference was insufficient to give the district court an opportunity to rule
on the argument, and it is therefore waived.
      Even assuming that the argument is not waived, we cannot say that
Prudential acted arbitrarily or capriciously with regard to Burell’s anxiety and
depression claim, particularly in light of the fact that our “review of the
administrator’s decision need not be particularly complex or technical; it need
only assure that the administrator’s decision fall somewhere on a continuum
of reasonableness—even if on the low end.” Corry v. Liberty Life Assurance Co.
of Bos., 499 F.3d 389, 398 (5th Cir. 2007) (quoting Vega v. Nat’l Life Ins. Servs.,
Inc., 188 F.3d 287, 297 (5th Cir. 1999), overruled on other grounds by Glenn,
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554 U.S. 105). During each level of review, Prudential addressed Burell’s
depression and anxiety claim. In its first denial letter, Prudential
acknowledged that Burell’s medical records document “work related stress and
anxiety since April 2011” but that Burell was under treatment from a
psychiatrist and his symptoms were improving. In its letter denying Burell’s
first appeal, Prudential stated that “based on the medical evidence, functional
impairment is not supported from a physical, psychological or cognitive
perspective.” And in its final denial of the claim, Prudential stated that “[w]hile
Mr. Burell does have depression and anxiety, typically depression and anxiety
do not cause large changes in cognitive functioning, and in Mr. Burell’s[] case
there is no evidence of valid cognitive impairment from any source.”
      In light of this record, Burell has failed to raise a genuine dispute of
material fact that Prudential abused its discretion in denying his claim for
long-term disability benefits.
                              III. CONCLUSION
      For the foregoing reasons, the district court’s grant of summary
judgment is AFFIRMED.

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                                      No. 15-50035

RHESA HAWKINS BARKSDALE, Circuit Judge, dissenting:
      For considering the summary judgment at issue, I agree with the majority
that our de novo review is for a genuine dispute of material fact vel non for
whether the plan administrator abused its discretion. But, I disagree with the
majority’s holding there was none. In that regard, it fails to “constru[e] all facts
and evidence in the light most favorable to the non-moving party”:          Burell.
Amerisure Mut. Ins. Co. v. Arch Specialty Ins. Co., 784 F.3d 270, 273 (5th Cir.
2015). Our deferential standard of review, together with the rarity of an ERISA
appeal’s having a genuine dispute of material fact, must not obscure that, on this
record, summary judgment should be denied and a trial held. Therefore, I must
respectfully dissent.
      Burell’s action is distinguishable from those on which the majority relies,
for which our court held a plan administrator’s denial of benefits to be reasonable:
that is, not arbitrary and capricious. In Gothard v. Metropolitan Life Insurance
Co., 491 F.3d 246 (5th Cir. 2007), and Sweatman v. Commercial Union Insurance
Co., 39 F.3d 594 (5th Cir. 1994), the conflicting evidence for the claimants’
disability was between the claimants’ treating physicians and the insurance
companies’ reviewers.      There, our court held it reasonable to make the
“permissible choice between the position of [the plan administrator’s medical
reviewer], and the position of [the claimant’s treating physician]”. Sweatman, 39
F.3d at 602; see also Gothard, 491 F.3d at 249–50.
      For Burell, conversely, Prudential’s reviewers disagreed among themselves
regarding whether his MS amounted to disability under the long-term disability
(LTD) plan. We have never addressed whether such a conflict was a “permissible
choice”. Sweatman, 39 F.3d at 602. One of Prudential’s reviewers, Dr. Osinubi,
confirmed a diagnosis of MS, as the majority notes; but, she also observed the
“consensus amongst his treating providers that [MS] is impairing his ability to

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function at work, and the intensity of treatment with MS medications . . . all tend
to support the level of severity and functional impairment that the [claimant] is
reporting and all of his healthcare providers are endorsing”.           Moreover, Dr.
Osinubi stated “there is scientific literature to indicate that the manifestation of
MS may be . . . variable[,] as there are significant individual differences in the
cognitive presentation of MS”.           The administrative record supports that
statement; Dr. Attfield, the other third-round reviewer, reported “there is no
indication [Burell] is frankly malingering”, contradicting the report of
Prudential’s previous reviewer, Dr. Boone, and next reviewer, Dr. Chafetz.
      And, as the majority notes, because Prudential, as plan administrator, both
evaluates claims and pays benefits, there is an inherent conflict of interest. Truitt
v. Unum Life Ins. Co. of Am., 729 F.3d 497, 508 (5th Cir. 2013), cert. denied, 134
S. Ct. 1761 (2014). “[W]here circumstances suggest a higher likelihood that [the
conflict] affected the benefits decision”, structural conflict should weigh more
heavily in the court’s abuse-of-discretion analysis. Holland v. Int’l Paper Co. Ret.
Plan, 576 F.3d 240, 247 n.3, 248–49 (5th Cir. 2009) (quoting Metro. Life Ins. Co.
v. Glenn, 554 U.S. 105, 117 (2008)). That is especially true in reviewing this
summary judgment. In Holland, the claimant “adduced no evidence . . . [the plan
administrator’s]   conflict   affected    its   benefits   decision”;   therefore,   the
administrator did not abuse its discretion in denying benefits. Id. at 249. On the
other hand, the inconsistencies in Prudential’s procedure point to a genuine
dispute of material fact for whether Prudential’s inherent conflict of interest
affected its decision-making for Burell’s claim.
      Burell asserts Prudential’s decision was procedurally unreasonable because
Prudential failed to follow its own review procedures.            Here, following Dr.
Osinubi’s review, Dr. Chafetz conducted an independent neurocognitive exam for
Prudential. Similar to some of Prudential’s previous reviewers, he was skeptical

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of whether Burell was presenting credibly, and stated the evidence in the record
did not support functional impairment based on cognitive deficiencies.
      But, Dr. Chafetz was the first reviewer who was not provided all of the
reports of Prudential’s previous reviewers; based on this summary-judgment
record, it appears Dr. Chafetz did not receive for his review Drs. Osinubi and
Attfield’s reports, which suggested disability as a result of Burell’s MS.        By
contrast, Prudential had provided to Dr. Boone the report by Dr. Isaacson, dated
just a week before Dr. Boone conducted his review.           In fact, based on this
summary-judgment record, every reviewer prior to Dr. Chafetz was provided with
Burell’s entire claim file.
      Furthermore, although the district court ruled Drs. Osinubi and Attfield’s
conclusions “irrelevant” to Dr. Chafetz’ testing Burell’s cognitive abilities (which,
of course, is not considered in our de novo review of the summary judgment),
Burell v. Prudential Ins. Co. of Am., No. 5:13-CV-359 at 11 (W.D. Tex. 16 Dec.
2014), Drs. Isaacson and Boone received for their reviews arguably “irrelevant”
reports from prior Prudential reviewers Dr. Neuren and Nurse Garcia. And, as
Drs. Osinubi and Attfield were the first whose reports leaned in favor of Burell,
and Dr. Chafetz was the first of Prudential’s reviewers not to receive the reports
of the previous reviewers, the independence of Prudential’s procedural process is
called seriously into question.
      Additionally, Prudential’s not adequately considering Burell’s diagnoses of
anxiety and depression points to a genuine dispute of material fact. The majority
holds this assertion is waived for failure to adequately raise it in district court;
however, as Burell asserts, he presented the issue in his response to Prudential’s
summary-judgment motion.          Therefore, it is not waived.   Drs. Chafetz and
Isaacson and Nurse Garcia noted these diagnoses. Dr. Isaacson and Nurse Garcia
deferred judgment on whether these cognitive issues resulted in disability; and,
in part because Dr. Chafetz received no reports to the contrary (i.e. from Drs.
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Osinubi and Attfield), he found the record showed “extensive invalidity” as to
impairment.
      In addition, Prudential considered other grounds causing Burell’s medical
complaints that did not require it to provide LTD benefits, such as work stress,
despite Burell’s having been Director of Biomedical Services for all San Antonio
hospital facilities since 1999, nine years before his MS diagnosis.           When
considered alongside the other factors pointing to Prudential’s unreasonableness,
its failure to consider alternative grounds provides further support for the
requisite genuine dispute of material fact.
      For the foregoing reasons, I would vacate the judgment and remand this
action for trial.   Because the majority holds otherwise, I must respectfully
dissent.

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