Court Opinion

ID: 168993
Source: CourtListenerOpinion
Date Created: 2010-08-14 17:03:02+00
Date Added: 2024-06-11T14:59:57.063843
License: Public Domain

F I L E D
                                                                       United States Court of Appeals
                                                                               Tenth Circuit
                         UNITED STATES COURT OF APPEALS
                                                                             March 28, 2007
                                    TENTH CIRCUIT                          Elisabeth A. Shumaker
                                                                               Clerk of Court

 PAMELA A. RAY,

           Plaintiff-Appellee,
 v.                                                      No. 05-1284 & 05-1420
 UNUM LIFE INSURANCE COMPANY                                 (Consolidated)
 OF AMERICA, a Maine corporation,                   (D.C. No. 97-CV-556-WFD-BNB)
                                                              (D. Colorado)
           Defendant-Appellant.

                                 ORDER AND JUDGMENT *

Before BRISCOE, HOLLOWAY, and LUCERO, Circuit Judges.

       UNUM Life Insurance Company of America (“UNUM”) appeals the district

court’s award of long-term disability benefits to Pamela Ray (“Ray”) pursuant to her

claim under the Employee Retirement Income Security Act (“ERISA”), 29 U.S.C. §

1132. UNUM presents five arguments on appeal, which dispute: (1) the district court’s

refusal to consider evidence beyond the claim record that was closed in 1997, or in the

alternative, the court’s decision to award Ray benefits for the eight years after the record

       *
        This order and judgment is not binding precedent, except under the doctrines of
law of the case, res judicata, and collateral estoppel. It may be cited, however, for its
persuasive value consistent with Fed. R. App. P. 32.1 and 10th Cir. R. 32.1.
was closed; (2) the district court’s determination that working in a large office building

environment was a material duty of Ray’s occupation; (3) the district court’s finding that

Ray was totally disabled; (4) the district court’s award of future disability benefits; and

(5) the district court’s award of attorney fees. We have jurisdiction pursuant to 28 U.S.C.

§ 1291 and affirm.

                                             I.

       Ray was a partner at Gibson, Dunn & Crutcher (“GD&C”) in Denver, Colorado,

from 1982 to May of 1995, and specialized in major real estate transactions and oil, gas,

and mining transactions. She was insured under the firm’s Group Long Term Disability

Insurance Policy (“the Plan”) issued and administered by UNUM. The Plan provides

monthly disability benefits to the insured upon proof of disability. An insured is disabled

when he or she is unable to “perform each of the material duties of his [or her] regular

occupation.” App. at 266. The Plan notes that “[f]or attorneys, ‘regular occupation’

means the speciality in the practice of law which the insured was practicing just prior to

the date disability started.” 1 Id.

       1
           The Plan specifically provides:

       When the Company receives proof that an insured is disabled due to sickness or
       injury and requires the regular attendance of a physician, the Company will pay the
       insured a monthly benefit after the end of the elimination period. The benefit will
       be paid for the period of disability if the insured gives to the Company proof of
       continued:

       (1) disability; and
       (2) regular attendance of a physician.
                                                                                 (continued...)

                                                  -2-
       GD&C’s office is located in a high-rise office building in downtown Denver. In

the fall of 1992, Ray moved to a different office on the same floor she had worked on for

the past ten years. Six months later, around March of 1993, Ray began to suffer from

respiratory and sinus symptoms, including a cough, dizziness, fatigue, sinus pressure and

pain, and chest congestion. Ray was forty-four years old at the time her symptoms began.

Her secretary, who sat directly across the hall, experienced similar symptoms.

       Ray saw several physicians, including a pulmonary disease specialist, a specialist

in occupational and pulmonary medicine, and a specialist in otolaryngology (ear, nose,

and throat) for her symptoms. According to these physicians’ notes, Ray’s symptoms

were alleviated on the weekends when she was away from the office. Ray saw Dr. Rose,

a specialist in occupational and pulmonary medicine at National Jewish Center for

Immunology and Respiratory Medicine, on several occasions from September of 1993

through February of 1994. After Ray’s initial visit, Dr. Rose recommended several tests

and concluded that if they all turned out negative, Ray’s symptoms may be attributed to

sick building syndrome. She commented that prior to this consultation, Ray had moved

offices several times, trying out several different offices on two different floors of her

       1
       (...continued)
       The applicable policy provision defining “Disability” states:

       “Disability” and “disabled” mean that because of injury or sickness the insured
       cannot perform each of the material duties of his regular occupation.

       Note: For attorneys, “regular occupation” means the specialty in the practice of
       law which the insured was practicing just prior to the date disability started. App.
       at 266, 268.

                                             -3-
building without relief and that an environmental evaluation of the building was negative

for any abnormalities. She also noted that one week prior to this appointment, Ray had

moved her office to her home.

       Ray saw Dr. Rose again in October of 1993 and reported that she felt rested and

less fatigued. Ray had been working from home and going into the office for a half an

hour each day. Dr. Rose noted that Ray did not like working from home, but advised Ray

to wait six more weeks, see if she improved, and then consider going back to the office.

Ray saw Dr. Rose again in December and informed her that she felt about 85% improved

but still had constant head cold symptoms, including headaches and sinus pressure. Ray

also told Dr. Rose that she hoped to move from her home office into an office in a

different high-rise building. At a visit in January of 1994, Ray complained that her sinus

headache had gotten much worse and that she still felt very fatigued.

       In February of 1994, Ray visited Dr. Rose and informed her that her symptoms had

returned with her move to a new temporary office space in a different building. Dr. Rose

prepared a summary report of her previous visits and determined that “[a]t this point, I

had nothing further to offer with regard to either diagnostic or therapeutic interventions.”

Id. at 852. She commented that Ray asked for an assessment for disability because her

symptoms had persisted and “she is unable to perform her usual job duties in an office

environment as an attorney despite aggressive medical treatment of underlying sinusitis.”

Id.

       Ray filed a claim for disability benefits in June 1994 listing severe fatigue,

                                             -4-
headaches, dizziness, chest pain, and allergic reactions to chemicals as preventing her

from working. She indicated that her symptoms were related to the workplace and

explained the progression of her symptoms:

       [s]ymptoms of severe sinusitis commenced in February 1993. Did not respond to
       antibiotics. Continued to work. May 1993, I had severe headaches and fatigue but
       continued to work at reduced level. June 1993, I could only work half days. Late
       September 1993, I could not work at office, but continued to work at home.
       January 1994, I tried to work at an office in another building and my symptoms
       became worse. In February 1994, I returned to work at my office and my
       symptoms became much worse. April 1, 1994 I stopped working. I am claiming
       disability from January 1, 1994. Id. at 930.

She also attached a note from Dr. Rose, noting that Ray had undergone “extensive

diagnostic evaluation” and “ha[d] not obtained significant symptomatic improvement

despite multiple interventions,” a CT scan showed moderately severe chronic sinusitis,

and that Ray reported “significant improvements in her symptoms with removal from her

workplace.” Id. at 928-29. Finally, Dr. Rose concluded that, “[w]hile her symptoms are

clearly not limited to occupancy of a single office building, Ms. Ray does report

significant symptomatic worsening with occupancy of office buildings which interferes

with her ability to perform her usual job duties as an attorney.” Id.

       In August of 1994, an UNUM representative, Julie Sheerin (“Sheerin”), met with

Ray and George Curtis (“Curtis”), the managing partner of GD&C. Sheerin reported that

Ray informed her that her symptoms had improved since she stopped going to the office,

but that she attends partner meetings once a month and experiences symptoms within a

half an hour of entering the building. Ray also told Sheerin that she cannot work

                                             -5-
effectively from home because clients are not happy with the arrangement and a

significant part of her occupational duties includes working with and training associates.

Ray indicated that she might have difficulty finding work at another firm because

typically only a large law firm would have clients who could afford her expensive billing

rate. Sheerin concluded her report with the recommendation,

          [w]e may want to consider having DMS review the file to determine whether she
          feasibly could work at other firms with her billable rate. Also we may want to
          determine if it is possible for her to work at some smaller firm with her specialty.
          It would seem that since she is able to go back to stores, etcetera, she should be
          able to practice in some sort of building. Id. at 202.

During his meeting with Sheerin, Curtis confirmed that Ray was “very pale and always

hacking” at the office and that working from home was not an acceptable alternative. Id.

at 187.

          On November 30, 1994, UNUM sent Ray a letter denying benefits because

          our regional consulting physician concluded based upon his review of the
          extensive records contained in [your] file that you retained the functional capacity
          to perform each of the material duties of your occupation at least at home and most
          likely sites other than the office where your symptoms began during construction
          and renovations. Id. at 711.

Ray’s attorney sent a letter to UNUM requesting a review of the denial and a copy of

Ray’s claim file. On March 3, 1995, UNUM informed Ray that the decision to deny her

benefits was correct because Ray “is not precluded from performing her occupation with

a different employer, at sites other than the office where her symptoms began. The

medical evidence supports significant improvement in her symptoms with removal from

her workplace.” Id. at 693.

                                                -6-
       Ray’s attorney then wrote to UNUM asking for more time to supplement Ray’s

claim record and pointing out what he considered to be serious flaws in UNUM’s

decision to deny benefits. He noted that: (1) UNUM’s determination that working from

home was an acceptable alternative was wrong, as evidenced by Ray’s and Curtis’

statements to Sheerin; (2) there was no renovation or construction at any time in Ray’s

building; (3) Ray did not significantly improve when moved to another office building;

and (4) Ray’s “regular occupation” was integrally and inextricably dependent on her

position at GD&C. Additionally, Ray attached a letter from one of her treating

physicians, Dr. Schocket, which stated in relevant part:

       [d]espite not being able to find a specific cause for Ms. Ray, I have no doubt that
       she is disabled and unable to perform the duties required by her previous
       occupation and work situation. This is similar to the situation of many of the
       patients diagnosed with the above mentioned illnesses. Id. at 208.

       Dr. Rose also wrote to UNUM, after reviewing the memorandum documenting

Sheerin’s meeting with Curtis, and noted:

       I certainly cannot guarantee that Ms. Ray’s symptoms will not recur in a different
       office environment. Furthermore, my statement that Ms. Ray could work out of
       her home was based on her report of having done so, but did not reflect any review
       of the requirements of her occupation which might be curtailed if she were forced
       to work out of the home. As I indicated during our discussion, my expertise is
       limited to the medical issues in this case, and I am not a vocational rehabilitation
       specialist. Id. at 211.

       In May of 1995, Ray’s attorney forwarded letters to UNUM from two attorneys

who practice complex real estate law and were familiar with Ray’s practice. These letters

explained why Ray could not work from home or a remote office location, why Ray could

                                            -7-
not easily transfer to another firm, and why Ray’s specialty was dependent upon a large

law firm environment. Additionally, UNUM received a CT scan taken several months

after Ray ceased exposure to her office building, which showed considerable

improvement in her sinus cavity.

       In October of 1995, UNUM overturned Ray’s denial of benefits, finding she was

“disabled due to fatigue of unknown etiology” and stated in a letter to Ray’s attorney, “we

are not convinced that she is disabled; but, will explore a possible psychiatric component

to her fatigue. We would bring benefits up to date and continue paying under reservation

of rights and continue to investigate Ms. Ray’s claim to clarify her disability and its

cause.” Id. at 304, 632. In the alternative, UNUM offered to pay Ray $190,000 as a full

and final settlement of her claim.

       UNUM conducted surveillance of Ray over the course of several days on three

separate occasions. The surveillance from June of 1996 showed Ray attending a five-day

alpaca convention, at which she set up a booth, engaged in business-type activities, and

handled alpacas. UNUM also requested more information from Ray’s treating

physicians. Dr. Staudenmayer, Ray’s psychologist, responded and commented that “there

[has been no] identifiable psychological condition which could explain [Ray’s]

intolerance. The focus of our treatment in the past 15 months has been on coping with

her symptoms of headache, fatigue and insomnia which are exacerbated by exposure to

environmental chemicals.” Id. at 535. He added that “[t]here are no particular activities

or duties that she cannot perform. Rather, it is the limits imposed by being in certain

                                             -8-
buildings.” Id. “The limitations which prevent her from working are the environment,

particularly office buildings.” Id. Dr. Metzner, Ray’s psychiatrist, responded that he

treated her in the past for atypical anxiety disorder, that the “most significant stressor in

Ms. Ray’s life is her inability to return to her former job as an attorney,” and “[i]t is my

opinion that Ms. Ray’s symptoms of headaches and fatigue are not related to a psychiatric

disorder.” Id. at 519-20.

       In July of 1996, after another in-house physician reviewed Ray’s file, UNUM

offered a final determination denying benefits. Ray requested another review, noting: (1)

UNUM’s disregard of her inability to work from home and the difficulty of finding

comparable employment with a different firm; (2) UNUM failed to advise Ray, despite

repeated requests, of what evidence it would consider sufficient to demonstrate Ray’s

disability; and (3) nothing in the surveillance indicated that Ray was capable of “day in,

day out, long days of mental exertion, in an office building environment, required to

perform her former occupation.” Id. at 424.

       UNUM then referred Ray’s case to the University Disability Consortium (“UDC”),

which issued a report and concluded that Ray was not disabled. The UDC panel

consisted of an internist, an allergist, and a psychiatrist. The internist concluded that: (1)

the only documented abnormality on objective testing of Ms. Ray is that of mild sinusitis

in September of 1993; (2) the remaining symptoms of fatigue and headache are

subjective; (3) she was never tested for allergies related to her alpaca farming, as she did

not convey this to her physicians; and (4) the sole findings of rhinitis and possible chronic

                                              -9-
sinusitis would not explain her symptoms of claimed severe persistent fatigue and

headaches and her consequent self-reported disability from performing her occupational

duties as an attorney. The allergist commented that Ray’s problems may stem from

menopause. The psychiatrist noted his disbelief that Ray’s treating physicians did not

attribute her physical symptoms to a possible psychological disorder. The panel

concluded that it did not find “evidence to substantiate objective findings or impairments

that would preclude gainful employment in her occupation.” Id. at 364.

       Following this report, UNUM requested that Ray undergo an in-person evaluation

(“IME”) by each of the three UDC physicians in Boston. Ray refused and filed a lawsuit

against UNUM in March of 1997 as permitted by 29 U.S.C. § 1132(a). After a bench

trial, the district court determined that UNUM’s denial of disability benefits was arbitrary

and capricious and awarded Ray benefits. Ray v. UNUM Life Ins Co. of Am., 314 F.3d

482, 483 (10th Cir. 2002).

       UNUM appealed and this court reversed and remanded with instructions for the

district court to apply a de novo review, holding that when an ERISA plan is not

discretionary, a district court should conduct a de novo review of the evidence, and

consider at its discretion, evidence outside the administrative record. Id. at 486-87. This

court specifically commented on the district court’s refusal to consider the UDC report

and then noted:

       [t]his being the situation, and given our decision that we can not conduct adequate
       de novo review at this level (as have other circuits, named above) without the
       benefit of such additional report and/or other further medical reports, we must

                                            -10-
       remand. Our remand allows the district court to consider such additional evidence
       as in its discretion it finds necessary for adequate de novo review, including court-
       appointed expert reports if it determines them helpful. Id. at 488.

       On remand, the district court applied a de novo review and considered the UDC

report in addition to the administrative record and concluded that Ray was entitled to

long-term disability benefits from July 27, 1996, until she reached the age of 65 “unless

and until some change occurs in her condition which renders her no longer ‘disabled.’”

App. at 1077.

                                              II.

       We review the district court’s legal conclusions de novo and its factual findings

under the clearly erroneous standard. Anderson v. Comm’r of Internal Revenue, 62 F.3d

1266, 1270 (10th Cir. 1995); Fed. R. Civ. P. 52(a) (“findings of fact . . . shall not be set

aside unless clearly erroneous”). “[A] finding is ‘clearly erroneous’ when although there

is evidence to support it, the reviewing court on the entire evidence is left with the

definite and firm conviction that a mistake has been committed.” Anderson v. City of

Bessemer, 470 U.S. 564, 573 (1985) (citations omitted). “If the district court’s account of

the evidence is plausible in light of the record viewed in its entirety, the court of appeals

may not reverse it even though convinced that had it been sitting as the trier of fact, it

would have weighed the evidence differently.” Id. at 573-74.

       “In applying the clearly erroneous standard to the findings of a district court sitting

without a jury, appellate courts must constantly have in mind that their function is not to

decide factual issues de novo.” Id. at 573. The factfinders’s choice between two

                                             -11-
permissible views of the evidence cannot be clearly erroneous. Id. at 574. “This is so

even when the district court’s findings do not rest on credibility determinations, but are

based instead on physical or documentary evidence or inferences from other facts.” Id.

1. Evidence Beyond 1997 and Award of Future Benefits

       a. Did the District Court Err in Refusing to Consider Evidence After 1997?

       On appeal, UNUM argues that the district court abused its discretion by initially

ruling that it would obtain its own expert, then later confining its review to the

administrative claim record as it existed in early 1997 and the UDC report. When a

district court reviews a denial of benefits de novo, we permit “the district court to

supplement that record ‘when circumstances clearly establish that additional evidence is

necessary to conduct an adequate de novo review of the benefit decision.’” Hall v.

UNUM Life Ins. Co. of Am., 300 F.3d 1197, 1202 (10th Cir. 2002). “[I]t is the unusual

case in which the district court should allow supplementation of the record.” Id. at 1203.

“Cumulative or repetitive evidence, or evidence that ‘is simply better evidence than the

claimant mustered for the claim review’ should not be admitted.” Id.

       This court expressly stated in Ray v. UNUM, “[o]ur remand allows the district

court to consider such additional evidence as in its discretion it finds necessary for

adequate de novo review, including court-appointed expert reports if it determines them

helpful.” 314 F.3d at 488 (emphasis added). In reviewing the district court’s decision to

limit its de novo review to the administrative record and the UDC report, we will only

reverse if we find the district court’s determination to be “an arbitrary, capricious,

                                             -12-
whimsical or manifestly unreasonable judgment.” Coletti v. Cudd Pressure Control, 165

F.3d 767, 777 (10th Cir. 1999).

       The district court noted that because Ray’s case involved complex medical

questions and the court had previously expressed concerns about UNUM’s impartiality, it

would consider supplementing the record. The court then decided to consider the UDC

report, but not to seek the opinion of a court-appointed expert finding “that such an

opinion would merely be cumulative and not helpful in light of the Court’s consideration

of the UDC report, and the fact that Plaintiff’s various treating physicians appear to be

preeminent experts in this area.” 2 App. at 1032-33.

       The district court did not abuse its discretion in deciding not to seek the opinion of

a court-appointed expert and in considering only the administrative record, including the

UDC report. The administrative record should only be supplemented in an unusual case

and cumulative evidence should not be admitted. Hall, 300 F.3d at 1203. In addition,

this court, in remanding the case, reiterated that it was within the district court’s

discretion to consider additional evidence, “including court-appointed expert reports if it

determines them helpful.” Ray, 314 F.3d at 488. The court determined that additional

evidence would be cumulative and not helpful in the present case. Therefore, we cannot

conclude that the district court’s decision not to appoint an expert and to confine its

review to the administrative record and the UDC report was “an arbitrary, capricious,

       2
         The district court tentatively decided to appoint an expert, Dr. Bardana, but after
further investigation decided that the Dr. Bardana was an “advocate on this issue, and we
have enough advocates in this case.” App. at 1372.

                                             -13-
whimsical or manifestly unreasonable judgment.” Coletti, 165 F.3d at 777.

       b. Award of Future Benefits

       In the alternative, UNUM argues that the district court erred as a matter of law by

awarding Ray benefits for the eight years after the claim record was closed because there

was no updated information as to Ray’s condition and Ray failed to exhaust the

administrative review process by refusing to provide UNUM with updated medical

records and failing to prove regular attendance of a physician. In response, Ray contends

that UNUM bears the burden of generating an administrative record to support a

termination of benefits.

       We review a district court’s remedy for an ERISA violation for an abuse of

discretion. DeGrado v. Jefferson Pilot Fin. Ins. Co., 451 F.3d 1161, 1176 (10th Cir.

2006). “Generally speaking, when a reviewing court concludes that a plan administrator

has acted arbitrarily and capriciously in handling a claim for benefits, it ‘can either

remand the case to the administrator for a renewed evaluation of the claimant’s case, or it

can award a retroactive reinstatement of benefits.’” 3 Id. at 1175 (quoting Cook v. Liberty

Life Assurance Co. of Boston, 320 F.3d 11, 24 (1st Cir. 2003)). This determination

“depends upon the specific flaws in the plan administrator’s decision.” Id. “In particular,

if the plan administrator ‘fail[ed] to make adequate findings or to explain adequately the

grounds of [its] decision,’ the proper remedy ‘is to remand the case to the administrator

       3
       Although the case law specifically refers to arbitrary and capricious, rather than
de novo review of a plan administrator’s decision, the underlying rationale supporting a
remand versus a reinstatement of rights is applicable.

                                             -14-
for further findings or explanation.’” Id. (quoting Caldwell v. Life Ins. Co. of N. Am.,

287 F.3d 1276, 1288 (10th Cir. 2002)).

       However, a “retroactive reinstatement of benefits is appropriate in ERISA cases

where, as here ‘but for [the insurer’s] arbitrary and capricious conduct, [the insured]

would have continued to receive the benefits’ or where ‘there [was] no evidence in the

record to support a termination or denial of benefits.’” Cook, 320 F.3d at 24 (quoting

Grosz-Salomon v. Paul Revere Life Ins. Co., 237 F.3d 1154, 1163 (9th Cir. 2001)). “A

remand of an ERISA action seeking benefits is inappropriate where the difficulty is not

that the administrative record was incomplete but that a denial of benefits based on the

record was unreasonable.” Id. (quoting Zervos v. Verizon New York, Inc., 277 F.3d 635,

648 (2d Cir. 2002)).

       The Plan at issue provides a maximum benefit period until the age of 65 as long as

the insured “gives to the Company proof of continued: (1) disability; and (2) regular

attendance of a physician.” 4 App. at 268. However, “[t]he proof must be given upon

       4
        UNUM makes much of the fact that Ray’s allergist, Dr. Schocket, did not answer
the questions UNUM sent to him in early 1996 because Ray had not met with him for
approximately one year. UNUM argues that Dr. Schocket’s failure to answer its
questions indicates that Ray was no longer disabled in 1996 and demonstrates her failure
to comply with the Plan’s requirement of regular attendance of a physician. In actuality,
UNUM representatives spoke with a medical records clerk at Dr. Schocket’s office, who
sent Ray’s medical records, but commented that “Dr. didn’t comment on our [UNUM’s]
questions as he hasn’t seen [claimant] for [approximately] one year.” App. at 524.
       This argument is unpersuasive. First, the Plan required UNUM to request
continuing proof of disability and regular attendance by a physician from the insured,
which it failed to do. Second, as noted by the district court, Ray was attended by several
physicians who ultimately instructed her to avoid the buildings that caused her symptoms
                                                                               (continued...)

                                            -15-
request and at the insured’s expense.” Id. (emphasis added). The Plan also states that

“[p]roof of continued disability and regular attendance of a physician must be given to the

Company within 30 days of the request for the proof.” Id. at 277 (emphasis added). The

language of the Plan explicitly states that UNUM bears the burden of requesting proof of

continued disability. The record reveals that UNUM never requested continuing proof of

disability from Ray after 1996. Because the language of the Plan requires UNUM to

request continuing proof of disability and UNUM failed to request such proof after 1996,

it cannot now argue that the district court’s award of future benefits was an abuse of

discretion based on a lack of evidence in the record. “It would be patently unfair to hold

that an ERISA plaintiff has a continuing responsibility to update her former insurance

company and the court on her disability during the pendency of her internal appeals and

litigation, on the off chance that she might prevail in her lawsuit.” Cook, 320 F.3d at 24-

25.

       Additionally, a district court does not abuse its discretion in reinstating benefits,

rather than remanding a case to the Plan administrator. See id. (“A remand of an ERISA

action seeking benefits is inappropriate where the difficulty is not that the administrative

record was incomplete but that a denial of benefits based on the record was

unreasonable.”); Grosz-Salomon, 237 F.3d at 1163 (“In other words, a plan administrator

       4
        (...continued)
because they had exhausted other treatment regimens. Based on her diagnosis and
treatment regimen (avoidance of large office buildings), the fact that Ray had not seen her
allergist in over a year does not indicate that she was no longer disabled.

                                             -16-
will not get a second bite at the apple when its first decision was simply contrary to the

facts.”). The district court concluded that Ray’s claim for benefits was supported by a

preponderance of the evidence and UNUM’s decision to deny her benefits was erroneous.

Based on this, we cannot conclude that the district court abused its discretion in awarding

Ray future benefits.

2. District Court’s Determination that Working in a Large Office Building Environment
was a Material Duty of Ray’s Occupation

       UNUM also argues that the district court erred in finding that working in a large

office building environment was a material duty of Ray’s occupation at GD&C as a real

estate attorney. Specifically, it contends that because Ray began her practice at a small

law firm, she cannot claim that her practice requires a large law firm setting. Ray asserts

that the district court made the proper factual determination that all or virtually all

lawyers with Ms. Ray’s practice specialty work for large firms in large office buildings,

and the specialty itself is integrally dependent on a large firm setting. Ray also claims

that UNUM: (1) ignored statements from Ray and Curtis about the nature of her specialty;

(2) disregarded occupational explanations offered by attorneys with the same specialty;

(3) refused to respond to Ray’s plea for ideas on how to test alternative work

environments; and (4) failed to obtain any other occupational information.

       The Plan states that:

       “Disability” and “disabled” mean that because of injury or sickness the insured
       cannot perform each of the material duties of his regular occupation.

       Note: For attorneys, “regular occupation” means the specialty in the practice of

                                             -17-
         law which the insured was practicing just prior to the date disability started. App.
         at 266.

         The district court concluded that the “ability to function in a large office building

environment is itself a material duty of Plaintiff’s regular occupation.” Id. at 1075. As

factual support for this conclusion, the court noted:

         [p]laintiff further presented proof that her sickness rendered her “disabled” as that
         term is defined in the Policy for attorneys. None of the physicians or other persons
         reviewing Plaintiff’s claim on behalf of UNUM demonstrated any understanding
         of “each of the material duties of her regular occupation.” In fact, UNUM made
         no attempt to evaluate how Plaintiff’s sickness effected [sic] her ability to perform
         “the specialty in the practice of law which [she] was practicing just prior to the
         date disability started.” The undisputed evidence in the record, as opposed to
         UNUM’s speculation, indicates that Plaintiff could not continue to practice in her
         “specialty” with GD&C from her home or some other office location. The
         evidence further demonstrates the improbability of Plaintiff finding equivalent
         employment and that, even if she could, the types of law firms which practice in
         Plaintiff’s “specialty” are typically located in large office buildings. Id.

         “We review mixed questions under the clearly erroneous or de novo standard,

depending on whether the mixed question involves primarily a factual inquiry or the

consideration of legal principles.” Armstrong v. Comm’r of Internal Revenue, 15 F.3d

970, 973 (10th Cir. 1994). The district court’s determination that the ability to function in

a large office building environment is itself a material duty of Ray’s regular occupation is

primarily a factual determination requiring application of the clearly erroneous standard.

“A finding of fact is clearly erroneous if it is without factual support in the record or if the

appellate court, after reviewing all the evidence, is left with a definite and firm conviction

that a mistake has been made.” Manning v. United States, 146 F.3d 808, 812 (10th Cir.

1998).

                                              -18-
       The administrative record contains statements from Curtis, GD&C’s managing

partner, that Ray could not work from home. Sheerin interviewed Curtis on August 31,

1994. She reported:

       Mr. Curtis said that having Ms. Ray work at home was not working well at all.
       She needs to be able to meet and interact with the attorneys and associates for
       research and training. She also needs to be available to her clients and working at
       home was not allowing this availability. Mr. Curtis said that working at home was
       not effective at all. He stated this would not be an acceptable work alternative.
       App. at 187-88.

Curtis also confirmed that Ray had switched offices several times in her original building

and had also tried working in a different building with no relief from her symptoms.

       Sheerin also interviewed Ray and her report from this interview stated:
       Ms. Ray has been practicing law for 21 years. Out of school she litigated for four
       to five years. In 1976 she had her own firm where she litigated and handled cases
       involving oil, gas and mining. Since 1982, she has specialized in real estate. She
       says she still handles a little oil, gas and mining because no one else in the firm has
       this experience.

       As a partner with the policyholder, she worked mostly in the office with little
       travel. Normally, the clients would come to her office. She said it was not really
       possible to work effectively out of her home. The clients were not happy with this
       arrangement, as she was not available to them since she would not be in the office.
       As well, much of her job involved teaching and helping associates, this is not
       possible with her working at home. Id. at 200-01.

       Ray’s attorney also forwarded letters to UNUM from two real estate attorneys at

large law firms, who concurred that working from home is not an effective alternative for

attorneys with their specialty and that it is difficult, if not impossible, to transfer to

another firm. Karen Clark (“Clark”), a real estate partner with GD&C’s Irvine,

California, office commented that, “it would be difficult, if not impossible to run a

                                               -19-
Gibson, Dunn & Crutcher partners’ practice from home,” and that “our practice is not

easily transportable and equivalent employment would be difficult if not impossible to

find.” Id. at 214-15.5 Robert Brown (“Brown”), a real estate attorney with Sherman &

Howard, a large Denver law firm, commented in relevant part that:

       [i]n summary, Ms. Ray’s practice is notable by the size and complexity of the
       transactions she handled. It is critical to note that the source of virtually all of the
       significant client matters handled by Ms. Ray was either Gibson Dunn as a firm,
       including other offices of Gibson Dunn, or Gibson Dunn lawyers who referred the
       real estate work to Ms. Ray. If Ms. Ray were to move to another firm to conduct
       her practice, this source of business, that is nearly all of the significant work
       performed by Ms. Ray, would immediately disappear. Ms. Ray’s practice is also
       characterized by the large size and complexity of the transactions she worked on.
       This requires the participation of other specialists and junior lawyers and legal
       assistants which cannot be adequately provided and supervised if Ms. Ray cannot
       on a regular basis be present in the main office where these lawyers and legal
       assistants are located. Id. at 220.

       At the time she became disabled, Ray’s legal specialty was handling major real

estate transactions and some oil, gas, and mining transactions at GD&C. The record

reveals that the material duties of Ray’s specialty included handling large scale real estate

transactions, as well as some oil, mining, and gas work, training associates, interacting

with other attorneys, and serving clients. The district court found that working in a large

office building environment was also a material duty of Ray’s specialty. The record

supports the district court’s finding because it demonstrates that: (1) Ray could not work

       5
         The concurrence cites Clark’s practice “at one of GD&C’s satellite offices” as
support for its conclusion that Ray need not locate in a large office building to pursue a
practice in her speciality. Our record contains no information regarding the number of
attorneys and support staff employed at the Irvine, California, office of GD&C.
Concurrence at p. 5.

                                             -20-
from home or a remote location; (2) her practice is not easily transferable to another firm

and equivalent employment would be very difficult, if not impossible, to find; and (3)

even if Ray could find equivalent employment, her employer would most likely be

located in a large office building environment because her practice requires the resources

of a large firm, specifically in terms of client base, client referrals, interaction with

attorneys from related specialities, legal materials, and support from associates and legal

assistants. UNUM repeatedly ignored and refused to acknowledge this evidence in the

record.

       There is substantial evidence in the record that Ray cannot work from home or a

remote location. Curtis, GD&C’s managing partner, explicitly stated that Ray working

from home was not an acceptable option because she is needed in the office to train

associates and meet with and serve clients. Ray reiterated these concerns. Additionally,

the letters from Clark and Brown commented on the impossibility of conducting a major

real estate transaction practice outside of the office. Clark noted that the “complexity and

sophistication” of the work require “a great deal of interaction with other partners,

associates and staff.” Id. at 214. She also commented that necessary materials are at the

office and that most of her work results from interaction with partners from other

specialities at her firm who refer their clients to her for their real estate needs.

       Brown confirmed that Ray’s type of practice (which he classified as a large firm

real estate practice) is highly dependent on clients who have traditionally been clients of

her firm or have been developed by other partners at her firm. He noted that Ray would

                                              -21-
only continue to receive referrals if she was readily available to clients and other GD&C

attorneys and remained a GD&C lawyer. He commented that because real estate

transactional work requires quick, if not immediate response to client needs, and often

consultation with lawyers in other specialties, including tax, environmental, or municipal

law, it is extremely difficult to carry on a productive large-scale real estate transaction

practice from home or a remote location.

       The record also contains substantial evidence that Ray would be unable to transfer

her practice to another firm or find equivalent employment. Ray expressed concerns to

UNUM that if she were to work for another law firm, it would have to be a large firm for

clients to afford her expensive billing rate. Clark and Brown also reiterated that Ray

would find it difficult, if not impossible, to transfer her practice to another firm. Clark

commented that Ray’s clients were most likely initially attracted to GD&C, rather than

Ray as an individual, and would be unlikely to follow Ray to another firm. She noted that

another firm would be unlikely to hire a partner that could not bring with her a substantial

client base. Brown stated that “[s]enior lawyers without a significant client base have an

extremely difficult time securing employment by, much less becoming a partner in, a law

firm of any significant size” and “[b]ecause Ms. Ray does not have the ability reasonably

to induce any significant portion of the clients for whom she worked to transfer their legal

work to another law firm, it is a virtual impossibility for Ms. Ray to be employed by

another large law firm.” Id. at 219-20.

       To summarize, the record reveals the following facts: (1) Ray’s specialty at the

                                             -22-
time she became disabled was complex and sophisticated real estate transactions; (2) this

type of work requires the resources of a large firm, specifically in terms of client base,

client referrals, interaction with attorneys from other related specialties, legal materials,

and support from associates and legal assistants; (3) Ray would find it difficult, if not

impossible, to transfer her practice to another firm; (4) Ray experienced symptoms in two

different large office buildings and several different office locations; and (5) Ray’s

physicians could not pinpoint what aspect of a large office building environment triggered

her symptoms.

       Although all large law firms may not be located in downtown large office

buildings or high-rises, large law firms must be located in buildings large enough to

accommodate their many employees. Therefore, even if Ray could find equivalent

employment, her employer would most likely be located in a large office building

environment. Because Ray has exhibited symptoms in several different office locations

in two different large office buildings and her doctors cannot specify what particular

aspect of a large office building environment she must avoid, Ray would likely

experience similar symptoms in most, if not all, large office buildings occupied by large

law firms. Based on this, we cannot conclude that the district court’s finding that

working in a large building was a material aspect of Ray’s legal specialty was clearly

erroneous.

       UNUM has failed to provide any evidence in the record disputing this finding.

During Ray’s claim review and appeal process, UNUM ignored evidence indicating that

                                             -23-
she could not work from home or at a small firm. Instead, it continually asserted, without

factual support or understanding of the material duties of Ray’s occupation, that she

should be able to work from home. In fact, UNUM never addressed the concerns and

recommendations of its own representative, Sheerin, who noted after interviewing Ray,

“[w]e may want to consider having DMS review the file to determine whether she

feasibly could work at other firms with her billable rate. Also we may want to determine

if it is possible for her to work at some smaller firm with her specialty.” Id. at 202. The

record is devoid of any evidence that UNUM followed up on this referral or ever

responded to any of Ray’s repeated requests for possible alternative work solutions.

       Finally, UNUM’s primary argument in support of its assertion that working in a

large building is not a material duty of Ray’s occupation is its contention that she began

her career and practice at a small firm. While it is true Ray began her career as a litigator

in a small firm, that is not relevant in determining whether Ray came within the Plan’s

definition of disability. Ray’s “regular occupation” is defined in the Plan as “the

speciality in the practice of law which the insured was practicing just prior to the date

disability started.” App. at 266, 268 (emphasis added). Our focus then is upon Ray’s real

estate practice and firm responsibilities as a partner at GD&C and not upon her practice

when she began her career.

       Because the district court’s finding that working in a large office building

environment was material to Ray’s occupation has factual support in the record and

UNUM has failed to dispute this evidence or provide evidence to the contrary, we cannot

                                             -24-
conclude that the district court’s finding was clearly erroneous.6

3. The District Court’s Finding that Ray was Totally Disabled

       UNUM advances several arguments for its assertion that the record does not

support a finding that Ray is totally disabled. UNUM argues that Ray’s symptoms may

result from psychiatric factors that have no connection to working in a large building or

may stem from her work with alpacas, most of her symptoms were subjective rather than

objective, she failed the Plan’s requirement of regular attendance of a physician, and

violated the Plan with her refusal to attend the IME requested by UNUM. We review the

district court’s factual findings under the clearly erroneous standard. Anderson, 62 F.3d

at 1270. The record supports the factual findings of the district court and UNUM’s

arguments to the contrary have little to no support in the record. Therefore, we cannot

conclude that the district court’s finding that Ray was totally disabled was clearly

erroneous.

       UNUM contends that Ray may suffer from psychiatric problems that cause her

symptoms. Ray correctly argues this is speculative and contrary to the evidence. The

record supports the district court’s finding that Ray’s psychologist and psychiatrist both

stated that they did not believe Ray’s condition was caused by psychiatric or

psychological problems, but that her primary frustrations stemmed from her inability to

       6
         Even if we had decided that this determination was primarily a legal conclusion,
rather than a factual finding, and applied de novo review, there is sufficient evidence in
the record to support the conclusion that working in a large office building environment is
a material duty of Ray’s occupation as a major real estate transaction attorney and partner
in a large law firm.

                                            -25-
continue to work and function as she had. Additionally, the UDC psychiatrist’s musings

on Ray’s traumatic childhood background are mere speculation, rather than medical

opinion, and never actually assert that a psychological problem was causing her

symptoms. Finally, UNUM’s argument that Dr. Schocket suggested a psychiatric-based

diagnosis for Ray’s symptoms and subsequently referred Ray to a therapist is a

mischaracterization of the record. Ray’s allergist, Dr. Schocket, listed psychogenic

rheumatism as being part of a spectrum of several illnesses within which Ray’s ailment

falls; he did not diagnose her with this disorder or even suggest she suffered from it. Dr.

Schocket referred Ray to a therapist, who found no “identifiable psychological condition

which could explain [Ray’s] intolerances.” App. at 535.

       UNUM’s argument that Ray’s symptoms may stem from her work with alpacas is

completely meritless. The record reveals that Ray’s symptoms predated her work with

alpacas by at least a year, Ray is only around alpacas occasionally, and there is no

evidence that exposure to alpacas causes symptoms similar to those Ray experiences in

large office buildings. Similarly, its argument that the record lacks objective evidence of

disability fails. The district court was permitted to consider subjective, as well as

objective, evidence of Ray’s disability. We permit consideration of subjective evidence

of disability in ERISA cases. See e.g., Clausen v. Standard Ins. Co., 961 F. Supp. 1446,

1456 (D. Colo. 1997) (noting that insurer’s attempt to ignore a diagnosis of chronic

fatigue syndrome and to instead require objective evidence of distinct physical disease

violates established law in circuit).

                                             -26-
       Finally, the district court properly found that Ray satisfied the Plan’s requirement

of regular attendance of a physician and that her refusal of the IME did not violate an

express provision of the Plan. Ray consulted with numerous physicians on many

occasions after the onset of her symptoms. These doctors eventually informed her there

was nothing more they could do for her and her best treatment option was to avoid

buildings that provoked her symptoms. Based on this, it makes little sense for Ray to see

these physicians on a regular basis; she confirmed that she sees them when necessary.

Additionally, UNUM cannot assert that Ray’s refusal to attend the IME violated the

Plan.7 The record reveals only that the IME was requested, but provides no indication

that UNUM presented it as mandatory. Because the record supports the district court’s

finding that Ray was totally disabled, we cannot conclude that this finding was clearly

erroneous.

4. District Court’s Award of Future Benefits

       UNUM argues that the only available remedy to Ray was “benefits due . . . under

the terms of [her] plan” and the district court’s award of future benefits was erroneous.

Ray asserts that the award was proper because remedies are within the discretion of the

trial court and 29 U.S.C. § 1132(a)(1)(B) authorizes a civil action not only for “benefits

       7
           The Plan states that:

       The Company, at its own expense, will have the right and opportunity to have an
       employee, whose injury or sickness is the basis of a claim:

       1. examined by a physician, other health professional, or vocational expert of its
       choice. App. at 278.

                                            -27-
due,” but also “to enforce [a beneficiary’s] rights under the terms of the plan, or to clarify

his rights to future benefits under the terms of the plan.” 29 U.S.C. § 1132(a)(1)(B).

Because we have already concluded that the district court’s award of future benefits was

proper, this argument is without merit and fails.

F. Award of Attorney Fees

       Finally, UNUM appeals the district court’s award of attorney fees. Courts should

not grant attorney fees under ERISA as a “matter of course,” but reasonable fee awards

are discretionary in nature. McGee v. Equicor-Equitable HCA Corp., 953 F.2d 1192,

1209 (10th Cir. 1992). In deciding whether to exercise its discretion and award fees, a

district court should consider the following nonexclusive list of factors: (1) the degree of

the offending party’s culpability or bad faith; (2) the degree of the ability of the offending

party to satisfy an award of attorney fees; (3) whether an award of attorney fees against

the offending party would deter other persons acting under similar circumstances; (4) the

amount of benefit conferred on members of the plan as a whole; and (5) the relative

merits of the parties’ positions. Deboard v. Sunshine Min. and Ref. Co., 208 F.3d 1228,

1244 (10th Cir. 2000). These five factors “are merely guidelines, and while courts need

not consider each factor, no single factor should be held dispositive.” McGee, 953 F.2d

at 1209, n.17.

       We review a district court’s award of attorney fees for an abuse of discretion.

Deboard, 208 F.3d at 1244. “Under this standard, we will reverse only if we have a

definite and firm conviction that the district court made a clear error of judgment or

                                             -28-
exceeded the bounds of permissible choice in the circumstances.” Id. The district court

determined that UNUM reviewed Ray’s claim in bad faith and that an award of attorney

fees should deter such conduct in the future, UNUM’s denial of Ray’s claim was

erroneous, and it is undisputed that UNUM has an ability to pay attorney fees. Based on

these findings, the district court did not abuse its discretion in awarding Ray attorney fees.

                                             III.

       We AFFIRM the district court’s award of long-term disability benefits and its

award of attorney fees.

                                                    Entered for the Court

                                                    Mary Beck Briscoe
                                                    Circuit Judge

                                             -29-
05-1284 & 05-1420, Ray v. UNUM Life Ins. Co. of America

LUCERO, J., concurring.

       Given my review of the record, and the highly deferential standard of review of the

trial court’s opinion, I am counter-intuitively compelled to join the result reached by my

respected colleagues in the majority. I write separately because I am troubled by the

majority’s discussion of the district court’s finding that working in a large office building

is a material duty of Ray’s occupation as an attorney specializing in “major real estate, oil

and gas and mining transactions.”

       UNUM Life Insurance Company of America (“UNUM”) issued a Long Term

Disability Policy (the “Policy”) to the partnership of the national law firm Gibson, Dunn

& Crutcher LLP (“GD&C”). 1 Under the Policy, claimants must prove they are disabled.

In June 1994, Pamela Ray, a partner working in GD&C’s Denver office, filed a claim

with UNUM alleging that she developed an unidentified physical illness that rendered her

       1
           The Policy provides:

           When the Company receives proof that an insured is disabled due to
           sickness or injury and requires the regular attendance of the physician, the
           Company will pay the insured a monthly benefit after the end of the
           elimination period. The benefit will be paid for the period of disability if
           the insured gives to the Company proof of continued:

                 1.     disability; and
                 2.     regular attendance of a physician.

An insured is disabled under the Policy if “because of injury or sickness the insured
cannot perform each of the material duties of his regular occupation.” “Regular
Occupation” for attorneys is defined as “the specialty in the practice of law which the
insured was practicing just prior to the date the disability started.”
unable to function as an attorney in her speciality because she could not work in large,

high-rise office buildings. After two years of investigation and correspondence with Ray,

UNUM denied her claim, concluding that Ray had failed to carry her burden of proof.

Particularly, UNUM determined that Ray had failed to show that she could not practice

her legal specialty in other environments, such as “at home and most likely [at] sites other

than the office where your symptoms began.” Ray then filed suit against UNUM in

federal district court. She alleged that her specialty was practicing as a “large transaction

real estate, oil and gas and mining” attorney, that this work could only be performed at a

large law firm, that “large law firms are virtually all located in large office buildings,”

and that she could not tolerate such environments. More than ten years of litigation over

UNUM’s decision has preceded this appeal.

       The district court held a bench trial pursuant to Federal Rule of Civil Procedure 52,

and made the following findings in favor of Ray: (1) Ray’s specialty was “major real

estate, oil and gas and mining transactions” 2 ; (2) Ray “could not continue to practice in

       2
          Although UNUM casually asserts that the district court cited no authority for
defining her specialty so narrowly, UNUM has failed to cite a single case substantiating
its argument such that we could declare it clearly erroneous. See Gross v. Burggraf
Constr. Co., 53 F.3d 1531, 1547 (10th Cir. 1995) (holding that issues not adequately
briefed will not be considered on appeal). Upon review, however, I note that in general
attorneys’ specialties for insurance purposes have not been defined based on the size and
complexity of the matters on which they worked. Moreover, I have not discovered any
circuit case wherein courts have permitted such a narrow definition of specialty in the
legal field. See, e.g., Blaske v. Provident Life & Accident Ins. Co., 162 Fed. App’x 943,
947 (11th Cir. 2006) (unpublished decision) (“litigation attorney”); Heffernan v. UNUM
Life Ins. Co. of Am., 101 Fed. App’x 99, 106 (6th Cir. 2004) (unpublished decision)
(“litigation attorney”); Lain v. UNUM Life Ins. Co. of Am., 279 F.3d 337, 340 (5th Cir.
                                                                               (continued...)

                                              -2-
her ‘specialty’ with GD&C from her home or some other office location”; (3) “[T]he

ability to function in a large office building environment is itself a material duty of

Plaintiff’s regular occupation”; and (4) “[E]ven if she could [find equivalent

employment], the types of law firms which practice in [Ray]’s specialty are typically

located in large office buildings.” Accordingly, the court found that Ray was disabled

under the Policy and ordered UNUM to pay benefits.

       As the majority correctly notes, we review these findings for clear error. See

Anderson v. Comm’r, 62 F.3d 1266, 1270 (10th Cir. 1995). In my view, had UNUM

presented any evidence challenging these findings or addressed Ray’s evidence in support

of such at earlier stages of this litigation, as well as on appeal, I might conclude that the

clear error standard has been met. Perhaps UNUM is correct that Ray can work outside

large office buildings, but it did not obtain or introduce any evidence from an

independent rehabilitation specialist or obtain the opinions of attorneys within her field

rebutting Ray’s claim that her speciality requires her to work inside a large, high-rise

office building. I simply do not deem it appropriate for an appellate court to reject a

district court’s findings of fact based on a party’s uncontested evidence because the

finding belies the court’s version of common sense. That is a dangerous road, and one I

won’t travel down here.

       2
        (...continued)
2002) (“real estate, banking, and finance law” attorney); Kerwin v. Paul Revere Life Ins.
Co., 6 Fed. App’x 233, 236 (6th Cir. 2001) (unpublished decision) (“trial attorney”);
Kearney v. Standard Ins. Co., 175 F.3d 1084, 1086 (9th Cir. 1999) (“trial lawyer”).

                                              -3-
       I am, however, compelled to present a different picture of the evidence. In support

of the district court’s findings, the majority opinion cites the following evidence: (1)

Ray’s statements to an UNUM representative; (2) a statement made by George Curtis, the

managing partner of GD&C’s Denver office, to an UNUM representative; (3) a letter

prepared by Karen Clark, a real estate lawyer with GD&C who practices in its Irvine,

California office; and (4) a letter prepared by Robert Brown, a real estate lawyer and

partner with Sherman & Howard, a Denver-based law firm. Read together, these

statements and letters form a web of internal contradictions, and shed little light on

whether Ray is genuinely unable to function as an attorney within her field due to her

illness.

       With respect to whether Ray could practice her specialty in a smaller office

location or at home, my colleagues cite three pieces of evidence that provide “substantial”

support for the district court. First, Curtis states that having Ray work at home was not

acceptable to GD&C because she was unable to “interact with the attorneys and

associates for research and training” and because she was unavailable to her clients.

Second, Clark notes that “it would be difficult, if not impossible to run a [GD&C]

partners’ practice from home.” Third, Brown stresses that physical proximity is critical

for real estate lawyers because of the constant need for timely communication as well as

client perception, and that Ray could not realistically perform her role as a real estate

partner at GD&C at home or from a remote location.

       I am highly skeptical that his evidence demonstrates that Ray cannot function in

                                             -4-
her specialty outside of large office buildings. The state of the record leads me to believe

that a lawyer practicing Ray’s specialty can do so at a location other than one of the law

firm’s primary offices. Ray’s attorney witness Clark herself practices at one of GD&C’s

satellite offices. Clark notes that her work often involves interaction with lawyers from

multiple GD&C offices, but gives no indication that she is handicapped in those

interactions by her location. Witness Brown recognizes that the “information super

highway” – fax machines, email, telephones, computers, etc. – has made it easier to

practice at remote locations. Although Brown downplays the ability of real estate lawyers

working on large transactions to utilize these technologies, and notes that physical

proximity is ideal, he expressly recognizes that some individuals function as real estate

attorneys from remote locations. Curtis notes “Ray’s cases and clients have been

dispersed to an associate and one lawyer in the Denver office and one in the Orange

County [Irvine] office.” Thus, even if Ray’s practice were entirely comprised of referrals

from Denver lawyers (a limitation not evidenced by the record), this evidence

demonstrates it is possible for Ray’s work to be performed elsewhere. Ray concedes that

she was able to substantially function as an attorney at home, although the at-home

arrangement was not acceptable to GD&C.

       UNUM continually stated in its correspondence with Ray that her practice at

GD&C and her position as a partner with that firm is not insured; only her capacity to

function in her specialty is insured. See, e.g., Bendixin v. Standard Ins. Co., 185 F.3d

939, 944 (9th Cir. 1999) (holding a plan administrator was within its discretion to deny

                                             -5-
the individual’s disability claim as a matter of law where the evidence showed that

claimant could work in her “own occupation” with another employer). I agree that

whether Ray can continue to work as a partner at GD&C is irrelevant. However,

anomalously, UNUM did not advance an iota of evidence on point to rebut the

questionable evidentiary basis of Ray’s claim that she could not work outside the office

environment.

       With respect to whether she could obtain equivalent employment at another firm,

again the evidence does not easily lend itself to Ray and the majority’s interpretation.

Brown opines that “[i]f Ms. Ray were to move to another firm to conduct her practice,

[the source of her business, i.e. GD&C partners and referrals] . . . would immediately

disappear.” Clark states that Ray’s complex real estate “practice is not easily

transportable and equivalent employment would be difficult if not impossible to find.”

       Clark’s letter, however, reveals the reason Ray would have difficulty finding

another position in her specialty is that Ray’s billing rate is “above the local rates, [and

thus] it is difficult to develop clients from the local community.” For this reason, Clark

concludes, “much of our work depends on our being available to our partners.” Clark

does not discuss whether Ray could find employment at another firm or obtain her own

clients if she were to bill at a lower rate. Moreover, although it may be true that Ray will

not receive referrals from GD&C partners if she departs from GD&C, there is no

evidence that she would not gain referrals from partners at whatever law firm she would

join, or even obtain local clients. Ultimately, both the district court and the majority have

                                              -6-
accepted, without comment, Ray’s claim that she must be considered disabled so long as

she is precluded from obtaining similar employment at an equivalently inflated salary. To

me, an individual’s unwillingness to accept a lower salary because she currently charges a

premium above local market rates is simply not a basis for declaring that individual

disabled. Again, UNUM fails to advance this point in its briefs, or present any evidence

that Ray would be able to obtain any other employment in her field. Both Brown and

Clark argue that Ray would be unable to find alternate employment with a “substantial

law firm” because none of her clients would follow her to another firm. However, they

are contradicted by Ray’s own admission to UNUM that, upon her departure, some of her

clients and customers left GD&C and hired other lawyers.

       There is also the matter of whether all firms that practice in Ray’s specialty are

located in large office buildings. On this point, the majority and district court conflate the

need for the resources of a large firm with the claimant’s presence in one of the main

offices of the firm. For example, the majority states that “[a]lthough all large law firms

may not be located in downtown large office buildings or high-rises, large law firms must

be located in buildings large enough to accommodate their many employees.” (Maj. Op.

at 24.) Even assuming that Ray needs the resources of a large law firm to practice her

specialty, the majority ignores the prevalence of large firm satellite offices, such as that

occupied by Clark, who practices in GD&C’s Irvine, California office. Moreover, I am

highly skeptical that every lawyer practicing in complex real estate transaction work does

so in a large law firm in a large office building.

                                              -7-
       Notwithstanding the crippled nature of the plaintiff’s case, on deferential

consideration of the trial court findings based on this hopelessly one-sided record, I am

compelled to join in the result reached by the majority. Despite several suggestions by its

employees, UNUM never attempted to determine the nature of Ray’s specialty, or look

into whether she could function in this specialty outside of a large office building.

Specifically, UNUM never obtained the opinion of other lawyers practicing Ray’s

specialty or sought the opinion of a vocational rehabilitation specialist with knowledge of

the material duties of her specialty.3 Instead, from the outset, UNUM denied Ray’s claim

on the ground that she could probably work from home. The senior claims analyst at

UNUM charged with reviewing Ray’s file conceded that it was “probably true” that Ray

could not work from home. Although there are substantial evidentiary challenges that

could have been advanced, UNUM never engaged in a meaningful confrontation with that

evidence. Before us, UNUM does not even address Ray’s evidence regarding the district

court’s factual findings before finally joining issue in its reply brief, where it briefly

attempts to refute Curtis’ statement.4

       3
        Compare Reeve v. UNUM Life Ins. Co. of Am., 170 Fed. App’x 108, 110-111
(11th Cir. 2006) (unpublished decision) (noting that before denying the claim, UNUM
“performed a labor market survey” to determine the material duties of claimant’s
occupation and obtained the opinion of a “vocational rehabilitation consultant”)
(unpublished decision); Heffernan v. UNUM Life Ins. Co. of Am., 101 Fed. App’x 99,
105 (6th Cir. 2004) (unpublished decision) (noting UNUM conducted a labor market
survey to determine the material duties of a “litigation attorney” before denying the
claim).
       4
           This is not to say UNUM mounted no challenge to Ray’s claim that working in a
                                                                             (continued...)

                                              -8-
       UNUM denied Ray’s claim on the basis that she could function as a “major real

estate, oil and gas and mining transaction” attorney outside a large office building

environment without demonstrating what that role requires. Faced as I am with the

uncontroverted state of the record before me, I am compelled to agree that we must

affirm.5

       4
         (...continued)
large office building was a material duty of her specialty. It relied upon statements made
by its medical examiners that Ray had “work capacity” because she could likely perform
the functions of her occupation at home or at another location. However, as the district
court correctly noted, “[n]one of the physicians or other persons reviewing [Ray]’s claim
on behalf of UNUM demonstrated any understanding of ‘each of the material duties of
her regular occupation.’”
        UNUM also argued that Ray could plainly practice her specialty at a smaller firm
because she worked as a partner at such a firm before she joined GD&C. The majority
rejects this argument on the ground that the Policy ensures her ability to function in the
specialty she practiced at the time she became disabled, thus the “focus is upon Ray’s real
estate practice and firm responsibilities as a partner at GD&C and not upon her practice
when she began her career.” (Maj. Op. at 25.) Once again, the majority misunderstands
the inquiry. The focus of our analysis is whether UNUM was correct in determining that
Ray could function as an attorney practicing her specialty at another location. To the
extent that Ray practiced her specialty at a small local firm before joining GD&C, I find it
highly persuasive with respect to whether she could continue her practice elsewhere.
However, because Ray’s specialty as defined by the district court includes “major real
estate . . . transactions,” and there is no evidence she performed real estate work before
joining GD&C, her prior work experience does not go toward her ability to perform her
specialty elsewhere.
       5
         As a general matter, UNUM’s ill-advised concessions throughout this dispute
coupled with its lack of careful attention to the factual record provides its downfall. In
the words of Charles Dickens: “Now what I want is, Facts . . . . Facts alone are wanted
in life. Plant nothing else, and root out everything else.” Charles Dickens, Hard Times 1
(1854).

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