Edward Sanford v. Life Ins. Co. of North America

ROGERS, Circuit Judge.

On November 3, 2010, Edward Sanford retired from his job as an executive at LifePoint Hospitals, Inc. Five days later he injured his back while deplaning from his private aircraft. Sanford sought short- and long-term disability coverage from LifePoint’s insurer, Life Insurance Company of North America, which denied coverage on the ground that Sanford’s alleged disability began after his employment at LifePoint had ended. The district court affirmed the denial of benefits, concluding that, because Sanford was not in “Active Service” when the injury occurred, he was not…