Wyant v. Anthem Life Insurance Company, No. 7:2012cv00274 - Document 22 (W.D. Va. 2013)

Court Description: MEMORANDUM OPINION. Signed by Judge Samuel G. Wilson on 6/6/2013. (eot)

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CLERK' OFFI U.S. ST COIFT S CE DI J? ATROANOKE, VA FI ED L J 2s 2 1 UN 23 I TH E UN I ED ST AT ES D I R I CO U R T N T ST CT FO R T H E W E STER N D I STR I O F V I G I I CT R N A R O AN O K E DI I O N V SI CE C I IA W Y A N T, L J AC ULI BK . ERK CL v C i lA cton N o.7: vi i 12:v00274 Pl nt f , ai i f M EM O M N D UM O PI I N N O A N TH E M LI I SU R AN CE FE N C O M PA N Y , By:Sam uelG .W is l on U nie St e Di t c Judge t d at s s ri t D efendant. Pl i ifCe laW yan , f nne S antf cii ta o rt docume ai a ssa 'a Gal I tis brngst s nt ton s it nt' t a ndusre , i hi a tonpurua t t Empl eReie ntI omeSecliy Ac,29U. 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W ya s a t wor ng f G a a I t i i 1 4. A c r ng t herm edi a r c ds nt t red ki or l ndusr es n 99 co di o c l e or , s wakswih aca and s f r fom dibees de es i m ya gi ne opahy, a ulr he l t ne ufe s r a t , pr son, l a, ur t m c a e ma,a anum be ofot ra fi tonsl I M ay of2011 W ya so d wor ng a Gaaa de nd r he flci . n , nt t ppe ki t l nd a i d f s r-er dia lt be ft ,whi h Ant m a oved. W ih he s r-e m be ft pple or ho tt m s biiy ne is c he ppr t r ho ttr ne is s t r out W yan a id f be ft l oon o un , t pple or ne is mderAnt m ' l tr dia lt polc he s ong-e m s biiy iy. Ac o dn t ta poiy çd ia i t me n t t et sc e so ij r . .y ua eno a l c r ig o h t l ,ç ls bl y a s ha du o ikn s r n u y . o r t b e c g i t pe f m s e ora loft m a e i la s t nt a dute ofyourr gul oc upa i a ha o r or om 1 he t r a nd ubs a i l i s e ar c ton nd ve a l as a 20% l s i yourpr - s biiy ea i .' 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Ne rpah Ca s sAn e v u yse usd f h ri nd pna od r a g d' a s l p tv u o tv u e d ' r Tr ame t, dc l wsTo a , o :www. dc l wso a .o M ilsl g 3p p(atvstdJn 4 e t ns Me ia Ne dyh / / me iane td yc Y ce/47 6 .h ls iie u e , 2 3.M aua e e i as ln o tik nngo t pat fh e r so il frd ti d cnrl iin. 01 ) c lr d ma s wel g r hc e i fhe r o te ye ep nsbe o eal , e ta vso i e Wh ti Ma ua Ed ma?e e ma th :www.ee s .r y s Ydsae/ c lre e .M (at iie a s c lr e ' y s r, e / , / g tyemm oFe ema ie ssma ua-d mac ls vstd J n 4, 01 ) I i th mo t o nfr o viinls frp o l wihda ee. L= u e 2 3. t st e s c mmo om f so o s o e pe t ib ts' d. t ' I K The pa te ha fl c os - moinsf rs mma yj d me t2 I Anje , v; ,t ris ve ied r s to o u y r u g n. n t m s jw js de son wa t r u tofadelb ae, i i e r a o ng pr s and i t r o ei ul e on cii s he es l i er t prnc pld e s ni oce s s he ef r ns atd a ppea . W ya c e st ts hasm uli em e ca co to , ev n ye so doc nt i n, l nt ountr ha he tpl di l ndii ns el e ar f ume ato and a l ls ofpot ntpr crpto m e c tons s ong i t e es i i n di a i uppor i he di abiiy cl i a t tng r s lt a m nd he unz a ona e s ofAnt m ' de son t de i.I t at r tve,W ya a gues t c t e s bl ne s he s cii o ny t n he le na i nt z , he our s dr nd t aci n be aus t r or l ksa de c i i ofW ya ' dutesasa houl ema he to c e he ec d ac ny s rpton nts i docum e a i a s s a ,a des rpton t ts d have pl d a crtc lr e i Ant m ' nt ton s it nt c i i ha houl aye ii a ol n he s dec so Thecou ta ee wih t ta pz e , i t tAnt m a ed isdic eton by f lng ii n. r gr s t ha r m nt fnds ha he bus t s r i aii t c n ie W y n ' j b d t s a dr ma d t ea t nt An h m frfrh ra to o o sd r a ts o ui , n e n s h ci o t e o u te cin. e o W he ashe e,a C SA be ftpl n ves sw ih t pl n a i sr t t n, r nC ERI ne i a t t he a dm ni t a or he di c e i na y a hort t m ake e i biiy de e m i i f be i i r e ,a r vi ng c t s r to r ut iy o lgi lt t r natons or netc a i s e ewi our e l t t pl n a i s r t r sdec son f a e ofdi c e i ' W iln sv.M e r Li e I . va ua es he a dm nit a o ' i i or bus s r ton. ' li m t o. f ns Co, 0 F.d 6 2, 29 0(t Ci. 01 ) Und rt a u eo - ic ein sa d r ar ve ng .6 9 3 2 6 -3 4 h r 2 0 . e he b s - fd sr to tn ad, e iwi co ts dt tdit baplnadmi srt ' de soni t de soni ras bl eve i (he ur houl ç sur a no nitaors cii f he cii s e ona e, n f t c u t wo l h v c met ac nr r c n l so id p nd nl . J a 6 0.( b h l o r) ud a e o o o ta y o cu in n e e e ty' #. t 3 G e ed ' TO r s na e,t a nita orsde son m us r s tfom a t lbe at prncpld r as ng ea o bl he dmi sr t ' cii t e ul r de i r e, i i e e oni pr s 'andbes oce s uppore bys tnta e denc ' l (ii Gut i v. tlRurlElc. td ubsa il vi e. d. ctng hre Na' a e ' Coop. s LongTenn Dia lt Pln,509F. 644,651( hCi. Asoc. s biiy a 3d 4t r 2007) Br nv. l ; oga Holand, l F. 1 ,1 1( hCi.1 ) s eas 800t v.W a-M a tSt e sl Asocs He lh& 05 3d 58 6 4t r 997); e lo h l r ors nc. s . at W ef ePln, F. 335,342- ( h Ci.2000)(itngeg fcor t tc t s d lar a 201 3d 43 4t r lsi iht a t s ha ours houl co i ri t a yss. nsde n he nal i) 2A c u tthal rnt l r j d mè tfhemo a ts wsta teeinog n i dip t a t a y o r ( lga sl y u g n it s mma v n ho h t h r s e une s ue s o n maeilfc a dtemo a ti e tt dt j d me ta amatro lm' F d R. v P. 6a. tra a t n h v n s nil o u g n s te fa ' e . Ci. 5 () e 3 Thought 1w afor dicei i as ee sgui poss çl he maki a elgi lt he a f ds s rton,t lo rct de t:<wq n ng n i biiy d tr n to t e a Ell c v rdp lc apln fd ca ymu t s a ' be tv l eemi ain md r n tsA- o ee o iy, a i u ir s u e n o j ciey r s ea onabl de c i i oft i ur d' oc upaton whih i l sdutesc e' s rpton he ns e s c i c nc ude i ompar bl t t e a e o hos acualy pero med byt i ur ' Gr e v.Rei nc Sl r LieI .Co.No. t l fz he ns ed.' e ne la e anda d f ns , 7: v00025,2004W L 263 03c 4416( . Va. tbe 26,2004)( tngGalaa rv.Reince W D. Oco r cii l he la Stndad LieI . ,305F. 264,271 ( h Ci.2002:.l ed,ihesa tngpoi oft a r f ns Co. 3d -73 4t r nde t tri t nt he a ay i mu tb ap e ied fnto o t ecama ts o d te t e a l tea mi srtrt n l ss s e r cs eiiin f h li n ' j b u is o n b e h d nitao o a l e pr pe l w he he t c ai a ' m e c lc ton lm ie t c a m a ' a lt t na yz o ry t r he l m nt s di a ondii i t d he l i nt s biiy o pef r e c of h j b d te . Ra s m v. l LieI s Co o Am.2 0F. u p. d 6 9, ro m a h t e o uis' n o Unz f n . . f , 5 S p 2 4 ' m 6 6n.2( D. . 0 3 (iig Galg e , 0 F.d271 3 . 5 1 E. Va 2 0 ) ctn la h r 3 5 3 -7 ) He e t a i sr tver c d co ansno des rpton ofW ya ' dutesasa r , he dm nita i e or nt i ci i nts i doc e a i as i t t N e t rA nt m noris i pe ntr vi um nt ton s s an . ihe he t nde nde e ewer m a any di c r bl s de s e ni e ef toc for t onne W ya ' m e c di gnos wih he e oymtn a Gaa l usres I t adof ct nts dial a es t r mpl t t l nd ti . nse b i gt et tri pon of h a ay i, i. W y n ' j b d s rp ini e tr l a s n fo t e en h t at s ng it t e n lss' (, a ts o e cito s n iey b e t r m h ' a l i .Thi o ison l a t c t bl t pe f m a i o d a m e ni ulr vi w, na yss s m s i e ves he our una e o ror n nf nne nd a ngf e e r nde sAnt m ' dec s on f e r he s i i undn e a l ta ed,a c tt esan a e ofdi c e i n. m nt ly l w nd ons iut bus s r to 3 Acc di l t co tr m a t ac i t Ant m f f rhe a ton. or ng y, he ur e nds he ton o he or u t r c i 3Ator a gument Ant m contndedt tt r wasnone f rt ad nitai r or t conti a al r he e ha hee ed o he mi sr tve ec d o n , d srp inofWy n 'j bd te b c u et id p n e trve r f n ta Wy n h dn i ar nt.Th e cito a ts o uis ea s he n e e d n e iwes ou d h t a t a o mp ime s e c t e notconfo t tar our ne d r nt ha gume be us t admi srtver c d c nt ca e he nita i e or onkadit t pr mie.A r viw oft c s he e s e e he r or s ec d howst tt i ha he ndepe tr ewe sal me i va i i ime sa tedt ei r nt t nden evi r l ntoned rous mpar nt nd i hos mpaime s o W y n ' ( wno c p to '( tv rted te o ta o c p to ma b ) S e eg, mi R.1 4(oigta a tsç c u ain'whae e h uis fh t c u ain y e. e . ..Ad n. 8 n t h t o n W ya ' hit r oftci cal sgnik a 'mac a ede adi E o s nts so y tlni ly i t nt' ulr m d t t uppor t cli a ' a s ri t s i l a e n the am nts s e ton hat he s m bl t pe f m t dutesofhe own oc pai ';laa l85(t donotbele t the aci tesa er tit d o lmie o ror he i r cu ton' j. t 'l l ive ha r tvii r esrc e r i td wi rg r t h r o '. t e ad o e j b.) h ' Thec talonot t tAnhe hass our s es ha t m oughtt c r ctrzet is a whehe aKvoc tonalasesme ' o ha a ei he s ue s t r l a i s s nt' i ane es a ypa tofisdia lt dee m i i Thec te e s snoopi onon t ne s iy ofavoc tonal s c s r r t s biiy tr naton. our xpr s e ni he ce st ai assme ta dc tn si a ay i t ten c si of no j cieyrao a lj bd srpin. ses n, n oni e t n lss o h e e st a be t l e sn be o e cito s y v 4 111. F rt ra o sae ,h c u t r nsW y n ' moi nf rs mma yj d me ti p r o he e s ns ttd te o r g a t a ts to o u r u g n n a t a rma t aci t Ant m f f t ra toni ac or ewiht j ni 4 nd e nds he ton o he or urhe ci n c danc t himpi on. V A .*. 'V ' 4 .. * e. v* EN TE R : une 6,201 J 3. .'* .2 z. , A UNI TED STATES DI STRI J CT UDGE 4W y n ha mov t co tf rator y' f spur ua t 29U .S. j13 ( )1.I a ERI A c s , a t s ed he ur o t ne s ee s nt o C. 1 2 g() n n S ae a fescli e amantmus frtde t ls monsrt is m ede eeofs es ont me is' Hadtv. i eSt nda dLiel . ta e do gr ucc s he rt . r Relanc a r f ns ' Co.l 0S Ct219, 5 ( 0 (uoigRu kes a sv SiraCl , 3U. 6 0 6 4(98 :.Th ntec u t , 3 . . 4 21 8 201) q tn c lh u . er ub 46 S. 8 , 9 1 3 e h or m a consde t fvefc o senumeatd i Ouesnbe r v.LieI ur nc Co. Norh Ame ia 987F. 1 y i r he i a t r re n i ry f ns a e of t rc , 2d 017, 1 2 ( t Ci.1 9 ) S eW il m sv M er Lie I s Co, 0 F.d6 2, 3 -3 ( t Ci. 0 ( e c i n t e 0 9 4 h r 9 3 . e l a . to. f . n . .6 9 3 2 6 4 5 4 h r 201 ) d s rbig h i a p o raea ayt a se s.Hee Wy n ofr esnilynoag me tnsp r o h rmoinfratr y' p rp it n l i l tp ) r, a t fes se tal r u n i u pot f e to o t ne s c o fes a t cour f dst tW ya ha notde onsrt t r st deg e ofs e sont m e is e , nd he t m ha nt s m taed he equiie r e ucc s he rt, A c di y,hec tde e W ya ' m oton f a t e sfes cor ngl t our nis nts i or tom y' e . 5

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