Fessenden v. Reliance Standard Life Insurance Co., No. 18-1346 (7th Cir. 2019)
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Fessenden’s employment was terminated after he began receiving short-term disability benefits. He then applied for long‐term disability benefits through his former employer’s benefits plan. The plan administrator, Reliance, denied the claim. Fessenden submitted a request for review with additional evidence supporting his diagnosis of Chronic Fatigue Syndrome. When Reliance failed to issue a decision within the timeline mandated by regulations governing the Employee Retirement Income Security Act (ERISA), 29 U.S.C. 1132, he filed suit. Eight days later, Reliance finally issued a decision, again denying Fessenden’s claim. The district court granted Reliance summary judgment. The Seventh Circuit vacated. If the decision had been timely, the court would have applied an arbitrary and capricious standard because the plan gave Reliance the discretion to administer it. When a plan administrator commits a procedural violation, however, it loses the benefit of deference and a de novo standard applies. The court rejected Reliance’s argument that it “substantially complied” with the deadline because it was only a little bit late. The “substantial compliance” exception does not apply to blown deadlines. An administrator may be able to “substantially comply” with other procedural requirements, but a deadline is a bright line.
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In the United States Court of Appeals For the Seventh Circuit ____________________ No. 18 1346 DONALD FESSENDEN, Plaintiff Appellant, v. RELIANCE STANDARD LIFE INS. CO. and ORACLE USA, INC., GROUP LONG TERM DISABILITY PLAN, Defendants Appellees. ____________________ Appeal from the United States District Court for the Northern District of Indiana, South Bend Division. No. 3:15 cv 00370 — Philip P. Simon, Judge. ____________________ ARGUED OCTOBER 30, 2018 — DECIDED JUNE 25, 2019 ____________________ Before WOOD, Chief Judge, and SYKES and BARRETT, Circuit Judges. BARRETT, Circuit Judge. Donald Fessenden applied for long term disability benefits through his former employer’s benefits plan. After the plan administrator, Reliance Standard Life Insurance Company, denied the claim, Fessenden sub 2 No. 18 1346 mitted a request for review with additional evidence support ing it. When Reliance failed to issue a decision within the timeline mandated by the regulations governing the Em ployee Retirement Income Security Act of 1974 (ERISA), he sought review of Reliance’s decision in federal court. Eight days later, after Fessenden had already filed suit, Reliance fi nally issued a decision, again denying Fessenden’s claim. We must decide whether Reliance’s tardiness a ects the standard of review in the district court. If the decision had been timely, the court would have applied an arbitrary and capricious standard because the plan gave Reliance the dis cretion to administer it. When a plan administrator commits a procedural violation, however, it loses the benefit of defer ence and a de novo standard applies. We have recognized an exception, though, and Reliance seeks to take advantage of it: if the administrator “substantially complies” with the pre scribed procedures—in other words, if the violation is rela tively minor—then the court will still defer to the administra tor’s decision. Reliance argues that it “substantially com plied” with the deadline because it was only a little bit late. We reject Reliance’s argument because we hold that the “substantial compliance” exception does not apply to blown deadlines. An administrator may be able to “substantially comply” with other procedural requirements, but a deadline is a bright line. Because Reliance violated a hard and fast ob ligation, its late decision to deny Fessenden benefits is not en titled to deference. I. Fessenden worked as a Software Engineer Manager for Oracle USA until January 2008, when he stopped working No. 18 1346 3 due to fatigue and severe, chronic migraine headaches. He ap plied for short term disability benefits through Oracle’s em ployee welfare benefits plan, a fully funded group insurance policy issued by Reliance. The request was approved, and Fessenden received benefits through May 11, 2008. Oracle ter minated Fessenden shortly thereafter. In March 2014, Fessenden submitted a claim to Reliance for long term disability benefits dating back to his last day of work in 2008. His submission included medical records from 2006 to 2014, as well as statements from multiple doctors, all supporting his diagnosis of Chronic Fatigue Syndrome. Reli ance denied his claim in an eleven page letter stating the rea sons for its decision and emphasizing the di culties involved in reviewing a six year old claim. The letter told Fessenden how to request review of the decision and explained the time line that would apply to Reliance’s resolution of an appeal: Reliance would notify Fessenden in writing of its final deci sion within 45 days of the date that it received a request for review, unless special circumstances existed. In that event, Reliance would notify him of the final decision no later than 90 days from the date that it received the request. See 29 C.F.R. § 2560.503 1(i)(1)(i) & (i)(3)(i) (2002). On April 24, 2015, Fessenden submitted his request for re view, complete with additional medical records and physi cians’ statements. But he sent it to an address di erent from the one included in the instructions, and Reliance did not con firm receipt of it until May 8. On June 17, Reliance notified Fessenden that it needed an additional 45 days to make its determination, and on August 27, it entered its final decision denying Fessenden’s claim for long term disability benefits. The parties disagree on when exactly Reliance’s 90 days were 4 No. 18 1346 up, but they all agree that Reliance made its final decision af ter the window had closed.1 Before the final decision issued, but after the deadline had passed, Fessenden sued Reliance and Oracle under ERISA, see 29 U.S.C. § 1132; 29 C.F.R. § 2560.503 1(l) (2002), maintaining that he qualified for disability benefits under the plan. Nor mally, the lack of a final decision would mean that Fessenden’s suit was premature, because an insured must ex haust the plan’s review process before taking the dispute to federal court. See Edwards v. Briggs & Stratton Retirement Plan, 639 F.3d 355, 360 (7th Cir. 2011). But when a plan administra tor fails to follow required procedures, such as deadlines for issuing decisions, “a claimant shall be deemed to have ex hausted the administrative remedies available under the plan,” 29 C.F.R. § 2560.503 1(l) (2002), and can seek judicial review even if the plan’s internal process has not run its course, see Edwards, 639 F.3d at 360. The absence of a final decision affects more than the tim ing of a suit—it also affects the standard of review. When a benefit plan gives the administrator discretionary authority to determine a claimant’s eligibility for benefits, we typically re view the denial of benefits under an arbitrary and capricious standard. See id. That standard reflects deference to the ad ministrator’s exercise of discretion. See id.; see also Conkright v. Frommert, 559 U.S. 506, 517–18 (2010). But when an adminis trator fails to render a final decision, there is no valid exercise 1 The disagreement is primarily about the operation of the regulations’ tolling provisions. For our purposes, though, the only thing that matters is that the decision was untimely. Because we hold that the “substantial compliance” standard is inapplicable to ERISA’s regulatory deadlines, it doesn’t matter how late it was. No. 18 1346 5 of discretion to which the court can defer, and it decides de novo whether the insured is entitled to benefits. See Trs. of Cent. States, Se. & Sw. Areas Health and Welfare Fund v. State Farm Mut. Auto. Ins. Co., 17 F.3d 1081, 1083 (7th Cir. 1994) (“Deferential review is appropriate only when the trust in strument allows the trustee to interpret the instrument and when the trustee has in fact interpreted the instrument.” (emphasis added)); see also Gritzer v. CBS, Inc., 275 F.3d 291, 296 (3d Cir. 2002) (“Where a trustee fails to act or to exercise his or her discretion, de novo review is appropriate because the trustee has forfeited the privilege to apply his or her discretion; it is the trustee’s analysis, not his or her right to use discretion or a mere arbitrary denial, to which a court should defer.”). Here, however, Reliance did issue a final decision—it was just late in coming. Fessenden filed his suit on August 19, and Reliance denied his request for review on August 27. At that point, Fessenden sought to clarify the standard that the dis trict court would apply in reviewing his claim. He urged the district court to ignore Reliance’s August 27 decision and re view his claim and supporting evidence de novo. According to Fessenden, Reliance forfeited the benefit of deference when it blew the deadline. Reliance, on the other hand, suggested that a late decision is di erent from a case in which an administrator altogether fails to render a decision. See, e.g., Gilbertson v. Allied Signal, Inc., 328 F.3d 625, 632 (10th Cir. 2003); Gritzer, 275 F.3d at 295– 96. Reliance complied with its obligation to resolve Fessenden’s appeal; it was just a little bit late in doing so. And because it was only a little bit late, Reliance insisted that the district court should excuse its untimeliness under the doc trine of “substantial compliance.” Under that doctrine, “a 6 No. 18 1346 plan administrator who has violated a technical rule under ERISA … may be excused for the violation if the administra tor has been substantially compliant with the requirements of ERISA.” Edwards, 639 F.3d at 361–62. In such cases, “a plan administrator, notwithstanding [its] error, is given the benefit of deferential review of the administrator’s determination about a claim under the arbitrary and capricious standard …, rather than more stringent de novo review.” Id. at 362. Fessenden argued that the timing regulation precluded application of the substantial compliance exception; that Reli ance had not substantially complied with the deadline in any event; and that even if Reliance had substantially complied, its decision to deny him benefits was arbitrary and capricious. The district court sided with Reliance on all three issues and entered summary judgment in its favor. II. Fessenden suggests that we abandon the substantial com pliance exception altogether. The exception is judge made. See Burns v. Orthotek, Inc. Employees’ Pension Plan & Tr., 657 F.3d 571, 575 (7th Cir. 2011) (“The concept of substantial com pliance is part of the body of federal common law that the courts have developed for issues on which ERISA does not speak directly.” (quoting Davis v. Combes, 294 F.3d 931, 940 (7th Cir. 2002)). As a common law doctrine, it cannot override regulations that ERISA has authorized the Department of La bor to adopt. And although both the statute and regulations were once silent about the effect of minor procedural viola tions on the standard of review, Fessenden claims that this changed in 2002, when an amendment adding a provision to specifically address “failure to establish and follow reasona ble claims procedures” became effective: No. 18 1346 7 In the case of the failure of a plan to establish or follow claims procedures consistent with the requirements of this section, a claimant shall be deemed to have ex hausted the administrative remedies available under the plan and shall be entitled to pursue any available remedies under section 502(a) of the Act on the basis that the plan has failed to provide a reasonable claims procedure that would yield a decision on the merits of the claim. 29 C.F.R. § 2560.503 1(l) (2002).2 While this provision does not explicitly discuss the relative severity of violations—or corre sponding standards of review—Fessenden points to the reg ulations’ preamble, which provides that “[t]he Department’s intentions in including [subsection (l)] in the proposal were to clarify that the procedural minimums of the regulation are es sential to procedural fairness and that a decision made in the absence of the mandated procedural protections should not be entitled to any judicial deference.” ERISA Rules and Regu lations for Administration and Enforcement; Claims Proce dures, 65 Fed. Reg. 70246, 70255 (Nov. 21, 2000). According to Fessenden, this is authoritative evidence that subsection (l) mandates the loss of judicial deference to plan administrators for any procedural violation. In other words, Fessenden says, the 2002 version of the regulation makes clear that the sub stantial compliance exception no longer applies. 2 The regulation was amended in 2000, but the amendments apply only to claims filed on or after January 1, 2002. See 65 Fed. Reg. 70265, 70271 (Nov. 21, 2000). 8 No. 18 1346 Fessenden invokes Halo v. Yale Health Plan to support his interpretation. See 819 F.3d 42 (2d Cir. 2016). In Halo, the Sec ond Circuit vacated a district court opinion that had applied deferential arbitrary and capricious review to claim denials that failed to strictly comply—but nevertheless substantially complied—with ERISA regulations governing both the sub stance and timing of such decisions. Id. at 45–47. The court emphasized that the 2002 ERISA regulations radically over hauled the earlier version, and it focused particularly on the addition of subsection (l). Id. at 49–57. Because that provision “admittedly says nothing about standards of review,” id. at 53, the court determined that it was “at least ambiguous with respect to the standard of review” that should be applied to decisions that fail to comply with proper claims procedures, id. at 54. It also considered the Department’s interpretation of subsection (l), as reflected in the preamble, which states that “a decision made in the absence of the mandated procedural protections should not be entitled to any judicial deference.” Id. at 53 (citation omitted). While the court found the preamble instructive, the pre amble did not resolve the question “whether a plan need only substantially comply with or must strictly adhere to the regu lation to obtain the more deferential arbitrary and capricious standard of review.” Id. at 56. On this question, the court con sidered the Department of Labor’s choices during the drafting of subsection (l) to be conclusive. Id. After the Department proposed adding subsection (l), “commentators representing employers and plans argued that this provision would im pose unnecessarily harsh consequences on plans that substan tially fulfill the requirements of the regulations, but fall short in minor respects.” Id. at 57 (citation omitted). Those commen tators suggested replacing subsection (l) with a more flexible No. 18 1346 9 standard, but the Department rejected those suggestions and left the language as it was. Id. Thus, the court held, “[w]hat ever the merits of applying the substantial compliance doc trine under the 1977 claims procedure regulation, we con clude that the doctrine is flatly inconsistent with the [2002] regulation.” Id. at 56; see also Rasenack ex rel. Tribolet v. AIG Life Ins. Co., 585 F.3d 1311, 1316 (10th Cir. 2009) (“The 2002 amend ments have, however, called into question the continuing va lidity of the substantial compliance test we have used to avoid creating a rule that would automatically permit de novo re view for every violation of the deadlines.”). Halo is inconsistent with our case law because we have ap plied the substantial compliance doctrine even since the 2002 regulations became e ective. See, e.g., Edwards, 639 F.3d at 361–62; Ponsetti v. GE Pension Plan, 614 F.3d 684, 693 (7th Cir. 2010); Schneider v. Sentry Group Long Term Disability Plan, 422 F.3d 621, 626–29 (7th Cir. 2005); Kough v. Teamsters’ Local 301 Pension Plan, 437 F. App’x 483, 486 (7th Cir. 2011).3 But we 3 A more recent revision to the regulations expressly overrides the substantial compliance doctrine in favor of a new standard. See 29 C.F.R. § 2560.503 1(l)(2)(i) (2018) (“In the case of a claim for disability benefits, if the plan fails to strictly adhere to all the requirements of this section with respect to a claim, the claimant is deemed to have exhausted the adminis trative remedies available under the plan … .”); id. § 2560.503 1(l)(2)(ii) (“[T]he administrative remedies available under a plan with respect to claims for disability benefits will not be deemed exhausted based on de minimis violations that do not cause, and are not likely to cause, prejudice or harm to the claimant so long as the plan demonstrates that the violation was for good cause or due to matters beyond the control of the plan and that the violation occurred in the context of an ongoing, good faith ex change of information between the plan and the claimant.”). Thus, the de bate about the continued vitality of the substantial compliance doctrine is moot for cases governed by the new regulations. 10 No. 18 1346 need not decide whether we have been wrong to do so be cause we can decide the case on a narrower ground: even if the substantial compliance doctrine remains valid, it does not apply to the violation of regulatory deadlines. The 2002 regulations strike a delicate balance between the administrator’s need for more time and the claimant’s need for a timely decision. After all, the administrator’s interests are not the only ones at stake; delaying payment of a claim imposes financial pressure on the claimant. That pressure is particularly acute for a disability claimant, who applies for disability benefits because she is unable to work and therefore unable to generate income. Given the seriousness of that bur den, the new regulations single out disability claims for quicker review than other kinds of claims. 29 C.F.R. § 2560.503 1(i)(3)(i) (2002). When a claimant seeks review of an administrator’s denial of benefits, the administrator must review the claim “not later than” a specified period of time—45 days for disability claims and 60 days for others. Id. § 2560.503 1(i)(1)(i); see also id. § 2560.503 1(i)(3)(i). The administrator can extend that time, but only when “special circumstances” apply. Id. § 2560.503 1(i)(1)(i) & (i)(3). During the extension period, a tolling mech anism protects the administrator from delay on the part of the claimant. Id. § 2560.503 1(i)(4) (“In the event that a period of time is extended … the period for making the benefit deter mination on review shall be tolled from the date on which the notification of the extension is sent to the claimant until the date on which the claimant responds to the request for addi tional information.”). But when that time is up, it’s up: the regulation provides that “in no event shall such extension ex ceed [the allotted] period.” Id. § 2560.503 1(i)(1)(i) (emphasis No. 18 1346 11 added). That period is 45 days for disability claims and 60 days for others. Id. § 2560.503 1(i)(3)(i) (“[C]laims involving disability benefits … shall be governed by paragraph (i)(1) of this section, except that a period of 45 days shall apply instead of 60 days for purposes of that paragraph.”). A court that excused even more administrative delay would upset the careful balance that the regulations strike be tween the competing interests of administrators and claim ants.4 It would also run afoul of § 2560.503 1(i)(1)(i), which says that “in no event” can a deadline be extended further. That language excludes nothing—no event, however reasona ble or harmless—from its scope. Substantial compliance with a deadline requiring strict compliance is a contradiction in terms. Cf. Burns, 657 F.3d at 575 (holding that the doctrine of substantial compliance “cannot cure” the violation of an “ex plicit statutory requirement” in ERISA’s text). The very point of a deadline is to impose a hard stop. Cf. United States v. Mar cello, 212 F.3d 1005, 1010 (7th Cir. 2000) (“Foreclosing litigants from bringing their claim because they missed the filing dead line by one day may seem harsh, but courts have to draw lines somewhere … .”). Because the administrator lacks discretion to take longer than the regulations allow, its tardy decision is not entitled deference. The regulations are not the only reason that Reliance’s ar gument fails—applying the substantial compliance doctrine 4 The old version of the regulations did not attempt this same balanc ing act. Instead, that version gave administrators the same amount of time to review disability claims as it did all other claims, and it did not toll the time for a decision on review while the administrator waited for addi tional information from the claimant. Compare 29 C.F.R. § 2560.503 1(h)(1)(i) (1977), with id. § 2560.503 1(i)(1)(i), (i)(3)(i), & (i)(4) (2002). 12 No. 18 1346 to blown deadlines is incompatible with the doctrine itself. We have said that an administrator substantially complies with ERISA’s requirements if, despite the regulatory viola tion, it provides su cient process and information to permit “e ective review” of its denial of benefits. See Schneider, 422 F.3d at 627–28 (explaining that the substantial compliance doctrine is subservient to ERISA’s broad goal of ensuring that the process and explanation accompanying a denial of bene fits “is adequate to ensure meaningful review of that denial.” (citation omitted)). For example, we might overlook an ad ministrator’s failure to strictly comply with the regulations governing the content of letters giving notice of benefit deter minations so long as “the beneficiary [was] supplied with a statement of reasons that, under the circumstances of the case, permitted a su ciently clear understanding of the adminis trator’s position to permit e ective review.” Id. at 628 (citation omitted). This standard cannot be applied to an untimely de cision because there is nothing to review at the time that ad ministrative remedies are deemed exhausted. There is no ex planation for a claimant to read and understand. And if the claimant files suit before the decision arrives, there is neither an exercise of discretion to which a court could defer nor an ything for the court to use to measure the degree of the ad ministrator’s compliance. See Univ. Hosp. of Cleveland v. Emer son Elec. Co., 202 F.3d 839, 846 n.3 (6th Cir. 2000) (“[T]here is undeniable logic in the view that a plan administrator should forfeit deferential review by failing to exercise its discretion in a timely manner.”). Fessenden’s case highlights the point. After Reliance’s ini tial decision denying him benefits, Fessenden had the oppor tunity to submit additional evidence to Reliance to support his claim on review. See 29 C.F.R. § 2560.503 1(h)(2)(ii) (2002). No. 18 1346 13 He did so, providing extensive documentation and medical evaluations. After Reliance failed to issue a decision on this new record, Fessenden filed suit in federal court. Thus, when litigation began, the district court was presented with a claim for benefits based on evidence that, for all Fessenden and the court knew, Reliance had not yet considered, and had cer tainly not accounted for in any decision on Fessenden’s claim. Both Fessenden and the court necessarily lacked a “su ciently clear understanding of the administrator’s position to permit e ective review.” See Schneider, 422 F.3d at 628 (cita tion omitted). The court could not have measured how com pliant Reliance had been because Reliance had not yet com plied at all. And in the absence of a decision to which it could defer, the district court had no choice but to review the claim de novo. Reliance’s position that an administrator can change the standard of review with a late breaking decision would there fore be a novel application of the substantial compliance doc trine. And permitting that novelty would undercut the bene fits of exhaustion for claimants. A claimant is entitled to sue as soon as a claim is deemed exhausted because the adminis trator has failed to make a timely decision. But Reliance’s po sition would leave such a claimant in an uncertain position. Should she wait a little bit longer just in case the administrator makes a decision? Or should she go ahead, attempting to frame her case in a way that is responsive to a decision that hasn’t yet—but may still—come? Moreover, an administrator who has more time may get an unfair advantage: it could sandbag a claimant who sues at the point of exhaustion by issuing a decision tailored to combat her complaint. See Jebian v. Hewlett Packard Co. Emp. Benefits Org. Income Prot. Plan, 349 F.3d 1098, 1104 (9th Cir. 2003) (“[A] contrary rule would allow 14 No. 18 1346 claimants, who are entitled to sue once a claim had been ‘deemed denied,’ to be ‘sandbagged’ by a rationale the plan administrator adduces only after the suit has commenced.”); see also Fed. Power Comm. v. Texaco, Inc., 417 U.S. 380, 394–97 (1974) (acknowledging that the Commission had “great dis cretion” but explaining that failure to exercise that discretion at the appropriate time cannot be remedied with “post hoc rationalizations” (citation omitted)). In short, giving adminis trators a post exhaustion grace period creates problems. We acknowledge that some of our sister circuits have been willing to apply the substantial compliance exception to blown deadlines. See Gilbertson, 328 F.3d at 634–35 (applying the substantial compliance doctrine to an administrator’s un timely decision under the pre 2002 regulation); Jebian, 349 F.3d at 1108 (“Absent unusual circumstances, an administra tor engaged in a genuine, productive, ongoing dialogue that substantially complies with a plan’s and the regulations’ time lines should remain entitled to whatever discretion the plan documentation gives it.”); see also Becknell v. Severance Pay Plan of Johnson & Johnson, 644 F. App’x 205, 213 (3d Cir. 2016) (con ducting deferential review because “[the plan administra tor’s] late decision does not rise to the level of a severe proce dural violation”). These circuits have seen no difference be tween forgiving tardiness and forgiving violations of other procedural requirements. We disagree.5 As an initial matter, it is worth noting that many of the circuits currently applying the exception to 5 This opinion has been circulated among all judges of this court in regular service. See 7th Cir. R. 40(e). No judge favored a rehearing en banc on the question whether failure by a plan administrator to strictly comply No. 18 1346 15 missed deadlines have relied on precedent that predates the 2002 version of the regulations. The earlier version offered a much less nuanced approach to balancing the competing interests at stake, which subjected the goals of ERISA to different kinds of gamesmanship and perverse incentives. See Gilbertson, 328 F.3d 634–35; see id. at 629 n.3, 631 n.4. For example, because the old regulations did not include tolling provisions to stop the clock while the administrator was waiting on information from the claimant, “claimants might [have been] encouraged to delay a final decision by suggesting that they intend[ed] to produce additional information, only to pull the plug and demand de novo review in federal court on the [last] day.” Id. at 635. The substantial compliance doctrine allowed courts the flexibility to police such gamesmanship and avoid results that would be “antithetical to the aims of ERISA.” Id. But the amendments reflected in the 2002 regulations address the incentives concern head on by including more detailed and balanced provisions on timing and tolling. Thus, the oft invoked rationale for applying the exception to missed deadlines no longer exists. Yet whatever its merits under prior versions of the regula tions, we hold that excusing late decisions is both foreclosed by the 2002 regulations and incompatible with the doctrine. It is also in significant tension with our own precedent. In Ed wards v. Briggs & Stratton Retirement Plan, a claimant who missed a deadline argued that the substantial compliance ex ception should excuse her untimeliness. 639 F.3d at 361–62. We rejected her argument. At the outset, we observed that we with ERISA’s regulatory deadlines results in de novo review of a benefits denial. 16 No. 18 1346 had never applied the doctrine to excuse the mistakes of claimants, as opposed to administrators. Id. at 362. But we also emphasized: [I]t seems consistent neither with the policies underly ing the requirement of exhaustion of administrative remedies in ERISA cases nor with judicial economy to import into the exhaustion requirement the substantial compliance doctrine. To so hold would render it e ec tively impossible for plan administrators to fix and en force administrative deadlines while involving courts in detailed, case by case determinations as to whether a given claimant’s failure to bring a timely appeal from a denial of benefits should be excused or not. Id.; see also id. (“[T]he Plan has fixed a clear deadline of 180 days for filing administrative appeals from denials of benefits, and the Plan has the right to enforce that deadline.”). That rea soning applies equally to deadlines that bind plan adminis trators. What’s good for the goose is good for the gander. * * * Because the doctrine of substantial compliance does not apply to ERISA’s regulatory deadlines, Fessenden’s claim should have been reviewed de novo. We therefore VACATE the district court’s summary judgment determination and REMAND for proceedings consistent with this opinion.
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