Shirley R. Adzick v. Unum Life Insurance Company of America

SMITH, Circuit Judge.

UNUM Life Insurance Company of America (“UNUM”) appeals the district court’s denial of its motions for new trial and expanded findings of fact in Shirley Adzick’s action to recover long-term disability insurance benefits. The district court denied the motions after concluding that UNUM’s policy contained ambiguous material terms and Adziek did not fraudulently report her income. We reverse.

II. Facts

Adziek purchased a long-term disability insurance policy from UNUM in February 1993 when she worked as a dentist for Pentagon Dental Group. UNUM’s application process required…