[DOWNLOAD] "Smith v. Unum Life Insurance Company of America" by Eighth Circuit U.S. Court of Appeals " eBook PDF Kindle ePub Free
eBook details
- Title: Smith v. Unum Life Insurance Company of America
- Author : Eighth Circuit U.S. Court of Appeals
- Release Date : January 02, 2002
- Genre: Law,Books,Professional & Technical,
- Pages : * pages
- Size : 70 KB
Description
Submitted: June 12, 2002 After being diagnosed with a latex allergy, Janice Smith (Smith) applied for long-term disability benefits under an employee benefit plan administered by UNUM Life Insurance Company of America (UNUM). UNUM began paying Smith benefits. After twelve months of benefits, the policy's definition of ""total disability"" changed, requiring UNUM to pay benefits only if Smith is unable to work in any gainful occupation for which she was qualified by education, training or experience. UNUM determined Smith was not totally disabled from any gainful occupation and discontinued benefits. Smith filed a lawsuit pursuant to the Employees Retirement Income Security Act of 1974 (ERISA). On judicial review, the district court determined UNUM abused its discretion in terminating Smith's benefits. Because we conclude UNUM's decision to discontinue Smith's disability benefits was supported by substantial evidence, we reverse. I. BACKGROUND
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