Court Opinion

ID: 6317318
Source: CourtListenerOpinion
Date Created: 2022-02-24 20:01:04.710584+00
Date Added: 2024-06-11T09:00:34.795775
License: Public Domain

RECOMMENDED FOR PUBLICATION
                                 Pursuant to Sixth Circuit I.O.P. 32.1(b)
                                        File Name: 22a0035p.06

                    UNITED STATES COURT OF APPEALS
                                    FOR THE SIXTH CIRCUIT

                                                                    ┐
 ALEX AUTRAN, administrator of the estate of Jean-Philippe
                                                                    │
 Autran,
                                                                    │
                                       Plaintiff-Appellant,         │
                                                                    │
                                                                     >      No. 20-6432
        v.                                                          │
                                                                    │
 PROCTER & GAMBLE HEALTH AND LONG-TERM DISABILITY                   │
 BENEFIT PLAN, c/o Procter & Gamble Disability                      │
 Committee; PROCTER & GAMBLE DISABILITY COMMITTEE,                  │
 in its capacity as the Plan Administrator and/or Trustee for       │
 the Procter & Gamble Disability Benefit Trust,                     │
                                      Defendants-Appellees.         │
                                                                    ┘

Appeal from the United States District Court for the Eastern District of Tennessee at Knoxville.
                 No. 3:19-cv-00135—Clifton Leland Corker, District Judge.

                                    Argued: October 20, 2021

                              Decided and Filed: February 24, 2022

                      Before: BOGGS, GRIFFIN, and MURPHY, Circuit Judges.
                                  _________________

                                             COUNSEL

ARGUED: David Torchia, TOBIAS, TORCHIA & SIMON, Cincinnati, Ohio, for Appellant.
Stephanie O. Zorn, JACKSON LEWIS P.C., St. Louis, Missouri, for Appellees. ON BRIEF:
David Torchia, TOBIAS, TORCHIA & SIMON, Cincinnati, Ohio, for Appellant. Stephanie O.
Zorn, JACKSON LEWIS P.C., St. Louis, Missouri, Jay A. Ebelhar, JACKSON LEWIS P.C.,
Memphis, Tennessee, for Appellees.
 No. 20-6432     Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.        Page 2

                                       _________________

                                            OPINION
                                       _________________

       MURPHY, Circuit Judge. A seizure disorder unfortunately ended Dr. Jean-Philippe
Autran’s career as a top-notch research scientist with Procter & Gamble. In the ensuing years,
Autran received total-disability benefits under the Procter & Gamble Health and Long-Term
Disability Plan (the “Plan”). The Procter & Gamble Disability Committee (the “Committee”)
later terminated these benefits after concluding that Autran no longer qualified as totally disabled
within the meaning of the Plan. Autran sued to overturn the Committee’s benefits decision under
the Employee Retirement Income Security Act (ERISA). Yet the Plan delegates discretionary
authority to the Committee to decide benefits claims, so we must review its decision under the
deferential arbitrary-and-capricious test. And the Committee had rational reasons to depart from
the earlier total-disability finding. Among other new evidence, a doctor who performed many
objective tests on Autran for over six hours found no basis to conclude that he suffered from a
debilitating condition. We thus affirm the district court’s summary-judgment decision for the
Committee.

                                                 I

       After obtaining graduate degrees in physics and chemistry, Autran eventually took a job
as a research scientist with Procter & Gamble. He was a high performer at the company for well
over a decade. But radiating chest pain forced him to the emergency room in December 2008.
Autran had suffered an aortic aneurysm that required emergency surgery. Although the surgery
repaired his aorta, it deprived his brain of oxygen for a lengthy period and put him at risk of
developing seizures. Autran returned to his job at Procter & Gamble several months later. Yet
the surgery affected his mental acuity, and he struggled to perform at his previously high level.

       Autran’s seizure risk materialized in 2010. He began to experience seizures that made
him act strangely. Autran would become disoriented and fatigued during these episodes, and he
would not remember his actions. Over the next two years, the episodes happened more and more
 No. 20-6432      Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.       Page 3

frequently. By 2012, a neurologist diagnosed him with a seizure disorder. Frustrated with his
increasing mental difficulties, Autran decided that he could no longer work.

       In October 2012, Autran applied for disability benefits under the Plan at the
encouragement of his Procter & Gamble colleagues. The Plan offers both total-disability and
partial-disability benefits.   It defines “Total Disability” to cover any “mental or physical
condition” that, among other things, “is generally considered totally disabling by the medical
profession[.]” Admin. R. (A.R.) 2122. It defines “Partial Disability” to cover any “mental or
physical condition” that, among other things, renders participants unable to “perform [the]
regular duties” of their “current job” but that allows them to “perform other roles” within or
outside the company. A.R. 2121. The Plan’s administrators decided that Autran qualified as
“totally disabled” under these definitions and awarded him total-disability benefits.

       To keep receiving these benefits under the Plan, though, Autran needed to regularly
submit objective medical evidence proving his continued total disability. For years, Autran and
the Plan’s administrators have disagreed over whether he met this ongoing duty.

       Their dispute started in 2014.      Unsatisfied with the records from Autran’s treating
doctors, the Plan’s administrators asked him to visit two independent doctors for medical
evaluations. Both doctors opined that Autran was, at most, partially disabled. Beginning in
February 2015, therefore, the administrators told Autran that he could receive only partial-
disability benefits. Autran appealed this decision to the Plan’s Trustees, as he had a right to do
under the Plan. During the appeal, two other doctors reviewed Autran’s file and agreed that he
was not totally disabled. Based on this evidence, the Trustees affirmed the decision to switch
Autran’s payments to partial-disability benefits.

       This change lasted only a matter of months because of Autran’s successful efforts to
obtain federal disability benefits under the Social Security system. He had applied for those
benefits in 2013, as required by the Plan. At first, federal personnel denied his claim. But on the
same day that the Trustees affirmed Autran’s switch to partial-disability benefits, an
administrative law judge found that he met the “disability” test under federal law. About a
month later, the Social Security Administration awarded Autran over $72,000 in benefits
 No. 20-6432        Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.   Page 4

retroactive to March 2013. When the Plan’s administrators learned of this award, they notified
Autran that he owed the Plan roughly the same amount to offset the Plan’s overpayments in light
of the retroactive Social Security award. They also told him that his 52-week lifetime limit on
partial-disability benefits would expire in February 2016. Autran again appealed to the Trustees.
Pending this appeal, two doctors conducted further file reviews. Both reviewers concluded that
Autran was not totally disabled. One of them, neurologist Gregory Whitman, opined that Autran
should be limited to “non-mentally demanding activities” and work only “4 hours per day” if he
took another job. A.R. 902. Yet, relying primarily on the Social Security award, the Trustees
changed their decision. In July 2016, they found Autran totally disabled under the Plan as of
September 2015.

        The reinstatement of Autran’s total-disability benefits was also short lived. Records
from his then-treating physicians left the Plan’s administrators unconvinced that he remained
disabled.    They scheduled two more independent examinations for him.              When these
appointments fell through (for reasons the parties dispute), the administrators terminated
Autran’s benefits in April 2017. Autran appealed a third time. Meanwhile, Procter & Gamble
amended the Plan by transferring the duty to make final benefits decisions from the Trustees to
the Committee (the current defendant).

        The Committee ordered a supplemental file review from Dr. Whitman and rescheduled
the two in-person examinations. Dr. Whitman found insufficient new evidence in Autran’s file
to depart from his prior opinion that Autran could work part time. Dr. Malcolm Spica conducted
a lengthy neuropsychological evaluation of Autran. His series of tests revealed “no consistent
neurocognitive weaknesses” and “performances well within normal limits[.]” A.R. 1737–38.
Dr. Keith Caruso conducted an independent medical examination. He diagnosed Autran as
meeting the criteria for depression and anxiety but opined that neither condition rendered Autran
totally disabled.

       In March 2018, the Committee affirmed in part and reversed in part the administrators’
decision to end Autran’s benefits as of April 2017. It found that Autran did not meet the Plan’s
total-disability definition. It decided, however, that Autran remained partially disabled. So it
awarded him his remaining 19 weeks of partial-disability benefits.
 No. 20-6432     Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.         Page 5

       Autran sued the Committee under ERISA seeking the more expansive total-disability
benefits. See 29 U.S.C. § 1132(a)(1)(B). He tragically died in an accident during this lawsuit.
Autran’s son became the administrator of his estate and was substituted as the plaintiff. For
simplicity, we will continue to refer to the plaintiff as Autran. The district court granted
summary judgment to the Committee. Autran now appeals.

                                                 II

       This case’s procedural posture requires us to identify two standards of review—one for
the Committee’s decision and the other for the district court’s. Under ERISA, courts start with a
presumption rooted in the common law of trusts that they will review a plan administrator’s
denial of benefits de novo. See Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 112–15
(1989). Yet plans often delegate discretionary power to administrators to interpret plan terms
and apply those terms to a participant’s circumstances. See id. at 115. For these plans, courts
will review an administrator’s benefits denial under an arbitrary-and-capricious standard. See
Frazier v. Life Ins. Co. of N. Am., 725 F.3d 560, 566 (6th Cir. 2013). In Autran’s case, the
parties agree that the Plan gives this discretionary power to the Committee, so we need not
independently determine whether it does so. See McClain v. Eaton Corp. Disability Plan,
740 F.3d 1059, 1064 (6th Cir. 2014). We thus will review the Committee’s finding that Autran
was not totally disabled under the arbitrary-and-capricious test.

       That leaves the standard of review for the district court’s decision. It held that the
Committee did not act arbitrarily or capriciously. We review such a holding de novo. See Davis
v. Hartford Life & Accident Ins. Co., 980 F.3d 541, 547 (6th Cir. 2020).

                                                 A

       Under arbitrary-and-capricious review, courts give great deference to plan administrators.
See McClain, 740 F.3d at 1064–65. We must uphold an administrator’s benefits decision as long
as “it is the result of a deliberate, principled reasoning process and . . . supported by substantial
evidence.” Davis, 980 F.3d at 547 (citation omitted). This test has two components—one
substantive, the other procedural.
 No. 20-6432       Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.     Page 6

       Substantively, plan administrators may reach only those conclusions that are supported
by substantial evidence in the administrative record. See id. at 549; Schwalm v. Guardian Life
Ins. Co. of Am., 626 F.3d 299, 308 (6th Cir. 2010). An administrator’s decision will pass muster
under this substantial-evidence test if a rational person could conclude that the evidence was
“adequate” to justify the decision. Davis, 980 F.3d at 549 (citation omitted). And when the
record contains evidence that could support a rational decision in either direction (that a plan
participant was or was not disabled), the administrator’s choice between this conflicting evidence
cannot be considered arbitrary on substantive grounds. See, e.g., Jackson v. Blue Cross Blue
Shield of Mich. Long Term Disability Program, 761 F. App’x 539, 544 (6th Cir. 2019);
Schwalm, 626 F.3d at 308; Hurse v. Hartford Life & Accident Ins. Co., 77 F. App’x 310, 318
(6th Cir. 2003).

       Procedurally, plan administrators must engage in reasoned decisionmaking. See Davis,
980 F.3d at 547. We have asked a variety of questions when deciding whether an administrator
has done so, depending on the issues relevant to the appeal.          To name a few: Did the
administrator consider all the evidence or overlook evidence that cut the other way? Compare
Balmert v. Reliance Standard Life Ins. Co., 601 F.3d 497, 504 (6th Cir. 2010), with Evans v.
UnumProvident Corp., 434 F.3d 866, 877–79 (6th Cir. 2006). If the administrator departed from
its earlier benefits ruling, did it adequately explain the change? Compare Morris v. Am. Elec.
Power Long-Term Disability Plan, 399 F. App’x 978, 984–85 (6th Cir. 2010), with Kramer v.
Paul Revere Life Ins. Co., 571 F.3d 499, 507–08 (6th Cir. 2009).          If the Social Security
Administration found that the participant was disabled under federal law, did the administrator
consider this ruling? Compare Hurse, 77 F. App’x at 316–18, with Bennett v. Kemper Nat’l
Servs., Inc., 514 F.3d 547, 553–54 (6th Cir. 2008). If the administrator credited certain doctors
over others, did the credited doctors undertake a mere “file” review or conduct a thorough in-
person evaluation? Compare Huffaker v. Metro. Life Ins. Co., 271 F. App’x 493, 502–03 (6th
Cir. 2008), with Shaw v. AT&T Umbrella Benefit Plan No. 1, 795 F.3d 538, 550 (6th Cir. 2015).
And did the administrator have a conflict of interest that affected its decision? Compare Judge v.
Metro. Life Ins. Co., 710 F.3d 651, 663–64 (6th Cir. 2013), with Calvert v. Firstar Fin., Inc.,
409 F.3d 286, 292–93, 297 (6th Cir. 2005). None of the potentially relevant factors is dispositive
in its own right; we must weigh them all when deciding whether the administrator’s ultimate
 No. 20-6432     Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.        Page 7

conclusion resulted from a rational process. See Metro. Life Ins. Co. v. Glenn, 554 U.S. 105,
117–18 (2008); Schwalm, 626 F.3d at 308.

       The Committee’s decision in Autran’s case satisfies these deferential substantive and
procedural standards. Because we must address whether the Committee reasonably found that
Autran was not totally disabled within the meaning of the Plan (not in some abstract sense), we
start with basics about the Plan’s key terms. See, e.g., Huffaker, 271 F. App’x at 502. The Plan
defines “Total Disability” to require a participant to have a “mental or physical condition” that is
considered “totally disabling by the medical profession[.]” A.R. 2122. It adds that a total-
disability finding typically requires serious limitations: “Usually, Total Disability involves a
condition of such severity as to require care in a hospital or restriction to the immediate confines
of the home.” Id. And it places the burden on participants to establish through “objective
medical evidence” that they satisfy the demanding total-disability definition. A.R. 2125, 2128;
A.R. 2493.

       As a substantive matter, the record contained more than adequate evidence for the
Committee to conclude that Autran did not meet this definition. See Davis, 980 F.3d at 549.
Three pieces of evidence illustrate the point.       Start with Dr. Spica’s neuropsychological
evaluation. Spica spent over 6 hours interviewing Autran and conducting some 17 tests. The
objective testing showed substantial malingering on Autran’s part. Yet Autran still performed
“well within normal limits,” a performance that was “not consistent with a debilitating disorder.”
A.R. 1737–38. Or consider Dr. Caruso’s independent medical examination. Caruso interviewed
Autran for over three hours and found “no evidence of significant cognitive deficits[.]”
A.R. 1791. Although Autran met the criteria for depression and anxiety, Caruso opined that
these ailments did not render Autran totally disabled (and certainly did not require him to be
hospitalized or confined to his home). A.R. 1792. To the contrary, a “clearly very intelligent”
Autran could undertake most of life’s daily activities without aid. Id. He managed his finances,
cooked, exercised (including biking and lifting weights), and engaged in hobbies (including
painting, writing, poetry, and reading). A.R. 1788, 1792–93. Autran also admitted that he could
still work in some capacity; he was presently working on “translating a book [from French to
English] and writing a screenplay.” A.R. 1792. Dr. Whitman’s supplemental file review pointed
 No. 20-6432     Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.       Page 8

in the same direction. He suggested that Autran had provided no new evidence for Whitman to
depart from his prior opinion that Autran could work part time. A.R. 1692–93.

       As a procedural matter, the Committee engaged in reasoned decisionmaking. See Davis,
980 F.3d at 547. Its opinion made clear that it had considered “all the records” for Autran’s
claim; it did not ignore evidence that went against its decision. A.R. 1816–17. In addition, the
Committee relied primarily on high-quality evaluations by Drs. Spica and Caruso; it did not rest
its conclusion on file reviews. Id. The Committee also confronted the contrary disability finding
by the Social Security Administration, explaining that the federal agency follows disability
standards different from those in the Plan. A.R. 1818. And even though the Trustees had
previously found that Autran was totally disabled, they did not have the updated medical
evaluations on which the Committee relied. A.R. 1816.

       All told, thorough medical opinions gave the Committee a firm foundation to conclude
that Autran did not, in the Plan’s words, suffer from a “mental or physical condition” that the
“medical profession” would consider “totally disabling.” A.R. 2122. And the Committee
adhered to a rational process when reaching that conclusion.

                                                B

       Autran responds with six procedural reasons why the Committee erred. (He also argues
that the Committee lacked substantial evidence for its decision, but his substantive challenge
merely incorporates (and so turns on) his procedural claims.) Specifically, Autran argues that the
Committee: (1) wrongly departed from the Trustees’ prior decision; (2) cherry-picked helpful
information and ignored harmful information; (3) failed to adequately distinguish the Social
Security Administration’s decision; (4) failed to identify a job that Autran could perform;
(5) ignored the side effects of his medications; and (6) acted with an improper conflict of
interest. We will consider each objection in turn.

       1. Did the Committee arbitrarily change course? Autran initially argues that the
Committee applied the Plan’s total-disability definition inconsistently and that he experienced no
material health change between July 2016 (when the Trustees found that he was totally disabled)
and March 2018 (when the Committee found that he was not). He is mistaken.
 No. 20-6432       Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.     Page 9

       To be sure, Autran correctly notes that a plan administrator acts arbitrarily if it
haphazardly departs from a prior decision with no rational explanation for the change. See
McCollum v. Life Ins. Co. of N. Am., 495 F. App’x 694, 704 (6th Cir. 2012); Kramer, 571 F.3d at
507–08. Yet administrators are not rigidly locked into their initial benefits decision, especially
when new medical evidence comes to light or the participant’s health changes. See Rose v.
Hartford Fin. Servs. Grp., Inc., 268 F. App’x 444, 454 (6th Cir. 2008); see also Davis, 980 F.3d
at 548–49; Saunders v. Procter & Gamble Health & Long-Term Disability Benefit Plan, 659
F. App’x 272, 277 (6th Cir. 2016). Such an “illogical” rule would harm participants by making
administrators wary of awarding benefits at the outset for fear that they could not stop the flow
of benefits if new evidence shows that their initial decision was wrong. Rose, 268 F. App’x at
454. To make a benefits change, then, an administrator need only identify a “rational” reason for
it. Morris, 399 F. App’x at 984.

       The Committee met this low bar. It had new information before it in 2018 that the
Trustees lacked in 2016. A.R. 1816–17. When the Committee initially reviewed Autran’s case
file without the evaluations from Drs. Spica and Caruso, it realized that it needed to have these
evaluations before it could reach a proper decision.      A.R. 1816.    So it arranged for their
scheduling. Id. And these new evaluations “at the beginning of 2018” unambiguously failed to
show any significant neurocognitive weaknesses in Autran. A.R. 1817. The Committee acted
perfectly rationally by relying on this new evidence to make the change. See Morris, 399
F. App’x at 984.

       Autran counters that the Committee’s change was still arbitrary because the new evidence
did not show an improvement in his condition between 2016 and 2018. He is wrong on the facts
and the law. Factually, the Committee cited evidence that pointed to better mental functioning.
A.R. 1816. Dr. Spica, for example, noted that Autran’s test results showed improvement from
prior results in 2014. A.R. 1738. Autran also told Spica that “his seizure disorder” was currently
“well-controlled” and that he had “not had a seizure” for many months. A.R. 1731. In his
supplemental file review, Dr. Whitman likewise suggested that “there may have even been some
improvement” in Autran’s condition since his last file review. A.R. 1692.
 No. 20-6432     Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.        Page 10

       Legally, the Committee did not need to rest its change from the Trustees’ earlier decision
on the ground that Autran’s condition had improved. See Davis, 980 F.3d at 548. It is also
rational for a plan administrator to make a change based on, say, better evidence showing the
extent of the participant’s condition, Morris, 399 F. App’x at 984, or an acknowledgement that
the administrator’s original decision was simply mistaken, Saunders, 659 F. App’x at 277. And
here, the new evidence unambiguously showed that Autran was not totally disabled.

       Autran next argues that the Committee has not adhered to a consistent interpretation of
the Plan’s total-disability definition. In this case, the Committee argued that the definition lacks
an inability-to-work (or “occupational”) element and that the definition turns on whether medical
professionals would deem a condition totally disabling. In another case before this court, by
contrast, the Committee relied on a participant’s ability to work as the basis to find that he was
not totally disabled. See Lloyd v. Procter & Gamble Disability Benefit Plan, Plan #501, 2021
WL 4026683, at *6–8 (6th Cir. Sept. 3, 2021). These facially inconsistent positions, however,
are rationally reconcilable. As we explained in Lloyd, the Committee could reasonably find “that
the medical profession would include a work-capacity component among the relevant criteria” in
deciding whether a condition is totally disabling. Id. at *7. The Committee took the same
approach here. It did not treat an inability to work as a required element for a total-disability
finding; it found that Autran’s ability to work was evidence that he was not totally disabled. And
the Committee could rationally conclude that this ability-to-work evidence reinforced its
conclusion that Autran did not meet the Plan’s rather stringent total-disability definition.

       2. Did the Committee arbitrarily fail to consider the whole record? Autran also claims
that the Committee considered only the new evidence from Drs. Spica, Caruso, and Whitman,
and ignored his treating physicians’ contrary findings. He is mistaken here too.

       Autran again correctly identifies the background law: administrators may not selectively
review the administrative record by picking out the opinions of the doctors that support their
decisions while ignoring the opinions of a participant’s treating doctors that do not. See Shaw,
795 F.3d at 548–49. Administrators instead must consider all opinions on both sides of a
disputed disability question. See Evans, 434 F.3d at 876, 879. That said, administrators need not
give “special weight” to a treating physician’s opinions over the opinions of others. See Black &
 No. 20-6432      Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.   Page 11

Decker Disability Plan v. Nord, 538 U.S. 822, 834 (2003); Balmert, 601 F.3d at 504. Rather, as
long as administrators offer a “reasoned explanation” for crediting independent physicians over
treating physicians, we must respect their choice. Davis, 980 F.3d at 548 (quoting McDonald v.
W.-S. Life Ins. Co., 347 F.3d 161, 169 (6th Cir. 2003)). And we have repeatedly found such a
reasoned explanation when objective medical evidence did not support the treating doctors’
opinions. See Castor v. AT&T Umbrella Benefit Plan No. 3, 728 F. App’x 457, 466 (6th Cir.
2018); Judge, 710 F.3d at 660–61; Oody v. Kimberly-Clark Corp. Pension Plan, 215 F. App’x
447, 452 (6th Cir. 2007); Yeager v. Reliance Standard Life Ins. Co., 88 F.3d 376, 382 (6th Cir.
1996).

         For a second time, the Committee met this low bar. As an initial matter, it did not
“totally ignore” the records from Autran’s treating physicians—Dr. Dinu Nodit, a neurologist,
and Dr. Candice Drewry, a primary-care physician. Balmert, 601 F.3d at 504. It expressly cited
them. A.R. 1816. Admittedly, Dr. Nodit provided a letter expressing his belief that Autran was
not “able to return to work even part-time” because Autran could not focus for more than a
couple hours or drive. A.R. 1152. Yet the Committee had a “reasoned” basis for crediting the
opinions of the independent physicians over Dr. Nodit’s opinion.       Davis, 980 F.3d at 548
(citation omitted). The Plan requires Autran to rely on “objective” evidence—that is, evidence
“that can be observed or verified by someone other than” himself. The American Heritage
Dictionary of the English Language 1215 (5th ed. 2011); see A.R. 2128. And, as the Committee
explained, Dr. Nodit’s opinion was contradicted by the objective findings from his own
examinations of Autran. A.R. 1816. Those examinations showed that Autran had largely normal
characteristics, including normal “[m]ental [s]tatus,” “attention span and concentration,”
“[o]rientation . . . to person, place, and time,” and “basic gait[.]” A.R. 1271. Dr. Drewry’s
evaluations likewise showed largely normal findings. A.R. 1074, 1130. Autran himself also told
Dr. Spica that he generally “drives without difficulty[.]” A.R. 1732. In short, the objective
evidence backed up the opinions of the independent physicians more than they did Dr. Nodit’s
opinion. Cf. Judge, 710 F.3d at 660–61; Balmert, 601 F.3d at 504.

         Autran insists that the Committee overlooked other portions of his physicians’ records.
He, for example, points to a list of symptoms in Dr. Nodit’s examination notes, including
 No. 20-6432     Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.    Page 12

“difficulty walking, memory loss, imbalance or falling, confusion, syncope, and dizziness[.]”
A.R. 1270.     Autran leaves out a critical element: The symptoms were prefaced with the
qualifying phrase “[p]atient reports.”   Id.   That is, the records listed subjective symptoms
perceived by Autran, not objective evidence perceived by others.         The Committee could
rationally accept the findings of the independent physicians (which were supported by a slew of
objective tests) over his own doctors’ opinions (which were supported by subjective self-
assessments). See Castor, 728 F. App’x at 466.

       3. Did the Committee wrongly depart from the Social Security decision? Autran next
says that the Committee arbitrarily refused to follow the Social Security Administration’s
decision finding him disabled under federal law. He cites our cases holding that an administrator
cannot ignore a federal disability finding if the plan requires a participant to apply for Social
Security benefits and if such a federal award helps the plan (by reducing the amount that it owes
the participant). See, e.g., Bennett, 514 F.3d at 553–54. Autran proved some of these factors
here. The Plan requires participants to apply for Social Security benefits. It also benefitted
financially from Autran’s federal award because administrators made him return over $70,000 in
disability payments that they had distributed before that retroactive award. But Autran failed to
prove the most important factor: The Committee did not ignore the federal disability finding.
See O’Bryan v. Consol Energy, Inc., 477 F. App’x 306, 308 (6th Cir. 2012) (per curiam).

       To the contrary, the Committee “considered” the federal finding and gave rational
reasons for rejecting it. A.R. 1818. For one thing, the Committee uses different “criteria” to
“determine” a participant’s total disability than the criteria used by the Social Security
Administration to determine a person’s disability under federal law. Id. Federal law strictly
follows an occupational model that ties an applicant’s disability to the applicant’s ability to
work. See 42 U.S.C. § 423(d). The Plan, by contrast, asks whether the medical community
would view a condition as totally disabling. A.R. 2122. While the Plan’s administrators have
relied on ability-to-work evidence when deciding whether a participant meets this medical-
community test, that test is not strictly occupational in the same way as the federal test. See
Hurse, 77 F. App’x at 317–18.
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       For another thing, at the time of Autran’s favorable Social Security decision, the Social
Security Administration adhered to a “treating physician rule” that gave more weight to the
opinions of a person’s treating physicians than to the opinions of other doctors. A.R. 1818; see
20 C.F.R. § 416.927(c)(2); but cf. 20 C.F.R. § 416.920c(a) (eliminating rule for claims filed on
or after March 27, 2017). Under the Plan, by contrast, the Committee did not need to give more
weight to Autran’s treating physicians. See Black & Decker, 538 U.S. at 831–34; Whitaker v.
Hartford Life & Accident Ins. Co., 404 F.3d 947, 949 (6th Cir. 2005).

       For a third, the Committee relied on evidence that the Social Security Administration did
not have before it when finding that Autran was disabled. A.R. 1816–17. Drs. Spica and
Caruso, for example, conducted their in-person evaluations after the federal decision.           See
O’Bryan, 477 F. App’x at 308. The Committee thus rationally explained its departure from that
decision.

       4. Did the Committee need to identify a job that Autran could perform? Autran next
suggests that our cases required the Committee to identify a specific job that he could perform in
order to find that he was not totally disabled. He misreads our law. Unlike the Plan, other
ERISA plans often directly tie a participant’s total disability to the participant’s inability to
work—that is, these plans follow a disability test more like the federal occupational test. See,
e.g., Holden v. Unum Life Ins. Co. of Am., 2021 WL 2836624, at *4 (6th Cir. July 8, 2021);
Judge, 710 F.3d at 654; Douglas v. Gen. Dynamics Long Term Disability Plan, 43 F. App’x 864,
866 & n.2 (6th Cir. 2002). Even for these plans, however, we have rejected a legal rule requiring
administrators to introduce vocational evidence identifying jobs that participants can perform.
See Judge, 710 F.3d at 662–63. So it would make no sense for us to require the Committee to
identify such jobs given that the Plan’s terms place less weight on a participant’s ability to work.

       Neither of the cases on which Autran relies adopts a contrary rule. See Brooking v.
Hartford Life & Accident Ins. Co., 167 F. App’x 544, 548–49 (6th Cir. 2006); McDonald, 347
F.3d at 170–72. McDonald overturned a plan administrator’s decision on the evidentiary ground
that the administrator lacked sufficient evidence, not the legal ground that it needed to identify a
job that the participant could perform.      See 347 F.3d at 170–71.        We reasoned that the
administrator arbitrarily relied on a doctor’s speculative claim that the participant might one day
 No. 20-6432     Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.       Page 14

return to work because the “overwhelming evidence” showed the contrary. Id. at 171. In
Brooking, the administrator had identified specific jobs that the participant could perform, but its
conclusion that she could perform those jobs conflicted with the objective evidence.            167
F. App’x at 548–49. Nowhere did Brooking suggest that an administrator must identify such a
job if the objective medical evidence showed that the participant did not have a health condition
that prevented work. See id.

       5. Did the Committee wrongly ignore the side effects of Autran’s medications? Autran
next argues that the Committee overlooked that he was taking medications with side effects.
True, if an administrator ignored a treating physician’s records objectively demonstrating that a
participant’s medications have caused debilitating side effects, we have found that the
administrator acted arbitrarily. See Godmar v. Hewlett-Packard Co., 631 F. App’x 397, 405–06
(6th Cir. 2015); Smith v. Cont’l Cas. Co., 450 F.3d 253, 265 (6th Cir. 2006). If, by contrast,
other individuals could not verify the side effects (that is, if they were not rooted in objective
evidence), those effects have provided no basis to overturn an administrator’s decision. See
Fenwick v. Hartford Life & Accident Ins. Co., 841 F. App’x 847, 854 (6th Cir. 2021).

       Autran’s evidence falls on the wrong side of this line. He relies on his own subjective
assessments that his medications were causing side effects.           He, for example, sent an
administrator a link to the page on rxlist.com for one medication, alleging that he had virtually
all the listed side effects. But he does not point to any objective evidence reinforcing his claim
that his medications were causing these effects. See Rothe v. Duke Energy Long Term Disability
Plan, 688 F. App’x 316, 320 (6th Cir. 2017); Schwalm, 626 F.3d at 313.

       Autran’s failure to identify objective evidence distinguishes his case from those on which
he relies. In these other cases, physician records confirmed that a patient had been experiencing
the health impacts of the prescribed drugs. See Godmar, 631 F. App’x at 405–06; Smith, 450
F.3d at 264. But the records in this case do not confirm Autran’s subjective assessments. In
these other cases, moreover, many factors influenced the court’s conclusion that the plan
administrator had acted arbitrarily; the court did not rest on the side effects of the medications
alone. Take, for example, Godmar. There, the administrator’s failure even to mention the
participant’s medications was just one factor among many other shortcomings that rendered the
 No. 20-6432     Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.      Page 15

decision arbitrary and capricious. 631 F. App’x at 406–07; see also Smith, 450 F.3d at 261–65.
That is not the case here. The Committee relied on objective evidence from multiple sources to
terminate Autran’s total-disability benefits, and its failure to expressly discuss Autran’s
subjective complaints of side effects cannot suffice to render its decision arbitrary. Cf. Fenwick,
841 F. App’x at 854.

       6. Did the Committee’s conflict of interest affect its decision? Autran lastly argues that
the Committee acted with a conflict of interest when finding that he was not totally disabled.
The Supreme Court has recognized that an inherent conflict of interest exists when a defendant
plays the “dual role” of both deciding a plan participant’s eligibility for benefits and paying out
those benefits from its own coffers. See Glenn, 554 U.S. at 108. And here, the Committee
agrees that it had such an inherent conflict when deciding claims and paying benefits on behalf
of the Plan.

       The Supreme Court has held that this type of conflict must be a “factor” to consider when
deciding whether an administrator arbitrarily denied benefits. See id. at 115–19. But we have
since emphasized that “conclusory allegations of bias” based on this (relatively common)
inherent conflict do not deserve much weight. See Judge, 710 F.3d at 664 (citation omitted).
A participant instead should attempt to uncover evidence suggesting that the conflict
materialized in a concrete way to influence the administrator’s decisional process. See Frazier,
725 F.3d at 570; Cooper v. Life Ins. Co. of N. Am., 486 F.3d 157, 165 (6th Cir. 2007). This type
of concrete evidence can take the form of, for instance, internal emails suggesting bias against
granting a claim or repeated reliance on a suspect doctor with a history of questionable medical
opinions. See Holden, 2021 WL 2836624, at *17 n.21 (citing Elliott v. Metro. Life Ins. Co.,
473 F.3d 613, 620 (6th Cir. 2006); Evans, 434 F.3d at 880).

       Autran has pointed to no such evidence. To the contrary, the Committee receives training
to ensure that it does not take Procter & Gamble’s financial interests into account when resolving
claims, and administrators ensure that the independent doctors who evaluate claims receive the
same pay no matter their disability findings. The administrators in Autran’s case also sought to
use a new doctor with each new evaluation, which further minimized the risk that the Committee
 No. 20-6432     Autran v. P&G Health and Long-Term Disability Benefit Plan, et al.      Page 16

would over-rely on any one (potentially biased) source. The Committee’s inherent conflict of
interest thus did nothing to undermine its conclusion in this case. See Judge, 710 F.3d at 664.

                                             * * *

       Because Autran has failed to prove that the Committee acted arbitrarily, we affirm.