Matisi v. Liberty Mutual Group, Inc.

11-481-cv
Matisi v. Liberty Mut. Grp., Inc.
UNITED STATES COURT OF APPEALS
FOR THE SECOND CIRCUIT
SUMMARY ORDER
RULINGS BY SUMMARY ORDER DO NOT HAVE PRECEDENTIAL EFFECT. CITATION TO A
SUMMARY ORDER FILED ON OR AFTER JANUARY 1, 2007, IS PERMITTED AND IS GOVERNED BY
FEDERAL RULE OF APPELLATE PROCEDURE 32.1 AND THIS COURT’S LOCAL RULE 32.1.1. WHEN
CITING A SUMMARY ORDER IN A DOCUMENT FILED WITH THIS COURT, A PARTY MUST CITE
EITHER THE FEDERAL APPENDIX OR AN ELECTRONIC DATABASE (WITH THE NOTATION
“SUMMARY ORDER”). A PARTY CITING A SUMMARY ORDER MUST SERVE A COPY OF IT ON ANY
PARTY NOT REPRESENTED BY COUNSEL.
At a stated term of the United States Court of Appeals for the Second Circuit, held
at the Daniel Patrick Moynihan United States Courthouse, 500 Pearl Street, in the City of
New York, on the 28th day of August, two thousand twelve.
PRESENT: REENA RAGGI,
GERARD E. LYNCH,
DENNY CHIN,
Circuit Judges.
-----------------------------------------------------------------------
STACY MATISI,
Plaintiff-Appellant,
v. No. 11-481-cv
LIBERTY MUTUAL GROUP, INC.,
Defendant-Appellee,
CITIZENS FINANCIAL GROUP, INC., RBS CITIZENS,
N.A., d.b.a. CITIZENS BANK,
Defendants.
-----------------------------------------------------------------------
FOR APPELLANT: RONALD R. BENJAMIN, Binghamton,
New York.
APPEARING FOR APPELLEE: WILLIAM E. REYNOLDS, Bond, Schoeneck &
King, PLLC, Albany, New York.
Appeal from a judgment of the United States District Court for the Northern District
of New York (Thomas J. McAvoy, Judge).
UPON DUE CONSIDERATION, IT IS HEREBY ORDERED, ADJUDGED, AND
DECREED that the judgment entered on January 21, 2011, is AFFIRMED.
Plaintiff Stacy Matisi appeals from a judgment entered against her after a bench trial
on her claim for benefits under her employer’s Employee Retirement Income Security Act
(“ERISA”) short-term disability benefits plan (“Plan”). See 29 U.S.C. § 1132(a)(1)(B).
Upon de novo review of the disability determination made by the plan administrator,
defendant Liberty Mutual Group, Inc. (“Liberty”), see Connors v. Conn. Gen. Life Ins. Co.,
272 F.3d 127, 134 (2d Cir. 2001) (holding that district court reviews benefits eligibility
determination by ERISA plan administrator de novo unless plan confers discretion on
administrator to determine eligibility), the district court found that Matisi ceased to be
“disabled” within the meaning of the Plan as of November 20, 2008. We review the district
court’s factual findings after a bench trial for clear error and its conclusions of law de novo.
See Diesel Props S.r.l. v. Greystone Bus. Credit II LLC, 631 F.3d 42, 51–52 (2d Cir. 2011).
While we assume the parties’ familiarity with the facts and record of prior proceedings, a
brief summary of certain facts is necessary to explain our decision to affirm.
On August 4, 2008, Matisi, a branch manager for Citizens Bank, had surgery to treat
severe chronic back pain and left leg radiculopathy. Liberty approved her claim for short-
term disability benefits under the Plan because her surgeon, Dr. Daniel Galyon, indicated that
2
she would be unable to return to work until at least mid-September 2008. Dr. Galyon’s
reports of Matisi’s continued debilitating pain resulted in Liberty extending benefits in the
months after surgery until Dr. Galyon’s office reported to Liberty in a November 19, 2008
“return to work slip” that Matisi would be able to return to her job the next day if Citizens
Bank permitted her to change positions between sitting and standing at least every 15
minutes and did not require her to lift any object over 20 pounds. Because Citizens Bank
indicated that it would accommodate Matisi’s physical limitations, and because there was no
evidence that Matisi would have been unable to perform the responsibilities of her job with
those limitations, the district court found that Matisi was no longer disabled within the
meaning of the Plan as of November 20, 2008.
Matisi argues that the district court erred in interpreting the Plan’s definition of
“disabled” to permit a finding that she ceased to be disabled when her employer stated a
willingness to accommodate certain limitations on her return to work. The argument fails.
The Plan defines “Disability” and “Disabled” to mean that “the Covered Person, as a result
of Injury or Sickness, is unable to perform the Material and Substantial Duties of his Own
Job.” Plan Description § 2. “Material and Substantial Duties” are those “responsibilities
that are normally required to perform the Covered Person’s Own Job and cannot be
reasonably eliminated or modified.” Id. Thus, while Citizens Bank initially indicated that
Matisi’s job required her to perform certain substantive duties and possess certain physical
abilities, Citizens Bank’s subsequent determination that those requirements could be
3
“reasonably eliminated or modified” to accommodate Matisi’s physical limitations1 clearly
permitted the district court to find that Matisi had failed to carry her burden of proving that
she was “unable to perform the Material and Substantial Duties” of her job as of November
20, 2008.2 Id.
Insofar as Matisi argues that the district court should have drawn a different inference
from record evidence, “[t]he fact that there may have been evidence to support an inference
contrary to that drawn by the trial court does not mean that the findings made are clearly
erroneous.” Diesel Props S.r.l. v. Greystone Bus. Credit II LLC, 631 F.3d at 52. Indeed, as
factfinder, the district court was permitted “to believe some parts and disbelieve other parts
of the testimony of any given witness.” Id. Thus, the district court was not required as a
matter of law to credit Dr. Galyon’s deposition testimony casting doubt on his office’s
November 19, 2008 opinion that Matisi was able to return to work with some restrictions on
November 20, 2008.
Matisi further argues that the district court failed to consider other evidence in the
administrative record postdating Liberty’s November 19, 2008 disability determination. The
1
On appeal, Matisi does not challenge the district court’s decision to admit evidence
that Citizens Bank told Liberty that it was willing to accommodate Matisi’s limitations under
the business records exception to the hearsay rule. See Fed. R. Evid. 803(6). Accordingly,
we do not consider the point further. See Jackler v. Byrne, 658 F.3d 225, 233 (2d Cir. 2011)
(deeming arguments not raised in opening brief abandoned).
2
The parties stipulated in the district court that Matisi bore “the burden of showing
that she was disabled, under the terms of the policy, as of November 20, 2008.” Joint Pretrial
Stipulation at 2.
4
record itself defeats this argument.3 The district court indicated that it had considered “all
the evidence introduced at trial,” Matisi v. Liberty Mut. Grp., Inc., No. 10-cv-91-TJM-DEP,
slip op. at 15 (N.D.N.Y. Jan. 21, 2011), ECF No. 40, discussed medical evidence that Matisi
submitted to Liberty after the disability determination, and specifically cited evidence
postdating the disability determination as supporting the conclusion that she was able to
return to work on November 20, 2008.
Equally without merit is Matisi’s argument that the district court failed to consider
evidence outside the administrative record. Although the district court did not expressly find
good cause to exercise its discretion to consider evidence outside the administrative record,
see DeFelice v. Am. Int’l Life Assurance Co. of N.Y., 112 F.3d 61, 66 (2d Cir. 1997) (“[T]he
decision whether to admit additional evidence is one which is discretionary with the district
court, but which discretion ought not to be exercised in the absence of good cause.”), or state
that it would do so, the district court received testimony from Matisi, Dr. Galyon, and Liberty
employee Alicia Gosford, described some of that testimony in its findings of fact, and
considered it with the other “evidence introduced at trial.” Matisi v. Liberty Mut. Grp., Inc.,
No. 10-cv-91-TJM-DEP, slip op. at 15. Further, even assuming that the district court failed
to consider physician progress notes from February 2009 and March 2010 that were not part
of the administrative record, any error was harmless because Matisi fails to explain why
3
Matisi may also have waived the point when she stipulated in the district court that
the only factual dispute was whether she was disabled “as of the date Liberty terminated her
claim – November 20, 2008.” Joint Pretrial Stipulation at 2.
5
consideration of that evidence would likely have affected the district court’s finding that
Matisi was not disabled as of November 20, 2008. See Fed. R. Civ. P. 61 (“At every stage
of the proceeding, the court must disregard all errors and defects that do not affect any
party’s substantial rights.”); O & G Indus., Inc. v. Nat’l R.R. Passenger Corp., 537 F.3d 153,
166 (2d Cir. 2008) (“Whether an evidentiary error implicates a substantial right depends on
the likelihood that the error affected the outcome of the case.” (internal quotation marks
omitted)).
We have considered plaintiff’s remaining arguments on appeal and conclude that they
are without merit. Accordingly, the judgment is AFFIRMED.
FOR THE COURT:
CATHERINE O’HAGAN WOLFE, Clerk of Court
6