Doe v. Unum Life Insurance Co. of America

MEMORANDUM OF DECISION

ZOBEL, District Judge.

Plaintiff John Doe1 (“Doe”) filed this action against defendants Unum Life Insurance Company of America and Unum Group (“Unum”). He contends that Unum arbitrarily and capriciously denied him long-term disability (“LTD”) benefits in violation of the Employment Retirement Income Security Act of 1974 (“ERISA”), 29 U.S.C. §§ 1001-1461.2 Now pending are the parties’ cross-motions for summary judgment (Docket ## 60, 63). For the following reasons, both motions are DENIED and the case is REMANDED to Unum.

I. Background

A. Plan Language

Doe participated in an…