Schwalm v. Guardian Life Insurance Co. of America

OPINION

THOMAS L. LUDINGTON, District Judge.

Appellant John Schwalm (“Schwalm”) contends that Appellee Guardian Life Insurance Company of America’s (“Guardian”) decision to terminate his long-term disability benefits was arbitrary and capricious. See Employee Retirement Income Security Act of 1974 (“ERISA”) 29 U.S.C. §§ 1001-1461 (2006). The district court reviewed the administrative record, determined that Guardian’s decision was supported by substantial evidence, and dismissed Schwalm’s complaint. We AFFIRM.

I

Schwalm injured his back on July 2, 1999. The initial “twinge,” felt while lifting…