                      RECOMMENDED FOR FULL-TEXT PUBLICATION
                           Pursuant to Sixth Circuit Rule 206
                                 File Name: 10a0023p.06

              UNITED STATES COURT OF APPEALS
                              FOR THE SIXTH CIRCUIT
                                _________________


                                               X
                                                -
 MARIBEA BALMERT,
                                                -
                             Plaintiff-Appellant,
                                                -
                                                -
                                                     No. 08-4433
          v.
                                                ,
                                                 >
                                                -
                                                -
 RELIANCE STANDARD LIFE INSURANCE

                       Defendant-Appellee. -
 COMPANY,
                                                -
                                               N
                 Appeal from the United States District Court
                for the Southern District of Ohio at Columbus.
               No. 07-00095—James L. Graham, District Judge.
                              Argued: December 1, 2009
                         Decided and Filed: February 5, 2010
     Before: BATCHELDER, Chief Judge; SILER and GILMAN, Circuit Judges.

                                 _________________

                                      COUNSEL
ARGUED: Stanley L. Myers, Powell, Ohio, for Appellant. Joshua Bachrach, WILSON,
ELSER, MOSKOWITZ, EDELMAN & DICKER LLP, Philadelphia, Pennsylvania, for
Appellee. ON BRIEF: Stanley L. Myers, Powell, Ohio, for Appellant. Joshua Bachrach,
WILSON, ELSER, MOSKOWITZ, EDELMAN & DICKER LLP, Philadelphia,
Pennsylvania, for Appellee.
                                 _________________

                                       OPINION
                                 _________________

       SILER, Circuit Judge. Pursuant to the Employee Retirement Income Security Act
of 1974 (“ERISA”), 29 U.S.C. § 1001 et seq., Maribea Balmert appeals the district court’s
judgment upholding the benefits determination of Reliance Standard Life Insurance
Company (“Reliance Standard”). Concluding that Balmert received a full and fair review




                                           1
No. 08-4433              Balmert v. Reliance Standard Life Ins. Co.                   Page 2


of her claim and that Reliance Standard’s benefits determination was not arbitrary and
capricious, we affirm.

                                             BACKGROUND

        Balmert began her employment with Big Lots, Inc. as an accountant-tax analyst in
2001. Her position required her to sit most of the day and manipulate her hands, fingers, and
wrists to use a computer. As a Big Lots employee, Balmert subscribed to an employee
benefit plan offering long-term disability insurance under a contract insured and
administered by Reliance Standard.

        In August 2004, she stopped working because of symptoms she believed were related
to her rheumatoid arthritis. Balmert was evaluated by her rheumatologist, Kevin V.
Hackshaw, M.D., on August 26, 2004, but the results of the examination were inconclusive.
According to Dr. Hackshaw, Balmert described symptoms of pain in her hands, but “the pain
                                                                                             1
that she complains of is disproportionate relative to the amount of synovitis that I see.”
Noting that Balmert’s symptoms suggested “some other etiology”–with stress as a
possibility–Dr. Hackshaw referred her to a neurologist and a psychologist and placed her
on temporary medical leave in order to obtain evaluations and recommendations from
his colleagues.

        On August 30, 2004, Balmert had her first consultation with her psychologist,
Wanda McEntyre, Ph.D. Balmert told Dr. McEntyre that she had experienced pain from
rheumatoid arthritis for a number of years, but her pain level had recently intensified.
Dr. McEntyre noted that Balmert “expresses a strong desire to return to her job, but
acknowledges that she does not perceive herself as capable of managing the hours, the
pressure, and stress at this time.”                Balmert began meeting with Dr. McEntyre
approximately once every two weeks until she discontinued counseling in December
2004. These counseling sessions generally focused on stress management techniques
to prepare Balmert to return to work.




        1
            Synovitis is the inflamation of the lining of the joints.
No. 08-4433        Balmert v. Reliance Standard Life Ins. Co.                      Page 3


       After evaluating Balmert on October 21, 2004, Dr. Hackshaw noted that he
detected “[n]o active synovitis,” that she was “doing well,” and that her rheumatoid
arthritis “seems to be under good control.” Dr. Hackshaw also told Balmert that she
could return to work with some limitations, but advised that she may wish to find a less
stressful position or explore some type of flex plan that would allow her to take some of
her computer typing work home. A few days later, Balmert tearfully expressed her
concern to Dr. McEntyre regarding Dr. Hackshaw’s determination that she could return
to work. At future counseling sessions, Balmert continued to express concerns about her
ability to return to work.

       Following an evaluation of Balmert on February 10, 2005, Dr. Hackshaw noted
that she had “no tender points and no synovitis that I could detect, so I think in general
she is doing well.” Regarding Balmert’s work status, Dr. Hackshaw reported that “we
had allowed her to return to work with limitations and they apparently stated that she
would not be able to return to work due to the limitations.”

       After evaluating Balmert on May 19, 2005, Dr. Hackshaw noted that Balmert’s
rheumatoid arthritis was “somewhat stable,” that she had “no synovitis,” and that she
had “[f]ull range of motion of joints.” Dr. Hackshaw noted, after evaluating Balmert on
August 18, 2005, that he was generally “pleased with how she is doing.” After
evaluating Balmert on November 21, 2005, Dr. Hackshaw observed “[m]inimal
synovitis” and stated that “she is doing well with current medications.”

       Balmert filed for long-term disability benefits on February 15, 2005. In a letter
dated June 2, 2005, Reliance Standard denied Balmert’s claim for long-term disability
benefits, stating that “there is no documentation of a physical condition that would
preclude you from performing the material duties of your own occupation.” Balmert
appealed Reliance Standard’s denial of her disability benefits. In support of her
administrative appeal, Balmert provided Reliance Standard with additional medical and
other information pertaining to her claim.
No. 08-4433        Balmert v. Reliance Standard Life Ins. Co.                         Page 4


       The most important item submitted by Balmert in support of her appeal was a
modified Functional Capacity Evaluation (“FCE”), conducted on March 15, 2006.
Based on Balmert’s modified FCE, Matthew T. Crill, a physical therapist, stated:

       I do not believe it would be safe or prudent to place Ms. Balmert in any
       type of formal work setting. This conclusion is based on her lack of
       sitting tolerance, lack of standing tolerance, severe deficits in upper
       extremity strength, severe deficits in fine motor skills, and chronic and
       intractable subjective pain rating. She would not be able to perform any
       of her previous work requirements under modified or full duty in the
       context of a full work [day]. These recommendations are pending the
       referring physician’s final evaluation.

In a letter dated July 25, 2006, Dr. Hackshaw stated: “I have received a functional
capacity evaluation on Ms. Balmert from March 15th 2006 and agree with the findings
from this evaluation. I have been following Ms. Balmert since 2004 and would agree
her condition was the same at that time as it is now.”

       After reviewing this material, Reliance Standard arranged for Balmert to be
evaluated by an independent medical examiner, Marvin Thomas, M.D. On September
29, 2006, Dr. Thomas reported:

       While the diagnosis of rheumatoid arthritis as mentioned seems firm
       there is very little evidence of active disease and one would guess that it
       is in relative remission. Prognosis is always uncertain in this disease but
       looks reasonably good for her at this point. . . . I would place very little
       limitation on her in terms of the use of her upper extremities. She might
       have some difficulty because of her knees with prolonged standing and
       negotiating steps. In summary while she has a diagnosis of rheumatoid
       arthritis, it seems controlled. I see no reason why she cannot continue in
       her present position.

He also noted that “[t]here is no rheumatological basis for disability.” On November 2,
2006, he supplemented his report with a statement that “[b]ased on the records that were
sent to me it would appear initially that [Balmert] would have difficulty keyboarding and
other use of her hands. Based on what I see now this would be much less of a problem.”

       After reviewing the record, Reliance Standard determined that Balmert would
have been precluded from performing her own occupation for a closed period of time
No. 08-4433        Balmert v. Reliance Standard Life Ins. Co.                         Page 5


between August 26, 2004 to September 29, 2006. The determination to grant Balmert
benefits for a closed period of time was evidently based on Dr. Thomas’s opinion that
Balmert initially would have had difficulty keyboarding and with other use of her hands.
Balmert was informed of the resolution of her administrative appeal by letter dated
December 14, 2006. The letter states, in pertinent part:

       Since it has been established that total disability is supported from
       August 26, 2004 to September 29, 2006, Ms. Balmert’s file has been
       returned to the Claims Department to pay benefits up to the latter date
       and then close the file on the basis that disability is not supported beyond
       that date. . . . Please be advised that our claim decision is now final, as
       Ms. Balmert has exhausted any administrative remedies available.

       Balmert filed an ERISA claim against Reliance Standard in district court on
February 8, 2007, challenging the limited grant of long-term disability benefits. On
September 22, 2008, the district court granted judgment on the administrative record in
favor of Reliance Standard. The district court concluded that Reliance Standard’s
determination of benefits was supported by substantial evidence.

                              STANDARD OF REVIEW

       We review de novo the district court’s ruling, applying the same legal standard
as the district court. Whitaker v. Hartford Life & Accident Ins. Co., 404 F.3d 947, 949
(6th Cir. 2005). Here, the district court appropriately applied the arbitrary-and-
capricious standard of review because the benefit plan granted the ERISA plan
administrator discretionary authority to interpret the terms of the plan and to determine
eligibility for benefits. See Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 115
(1989); see also Glenn v. MetLife, 461 F.3d 660, 666 (6th Cir. 2006). Under the
arbitrary-and-capricious standard, we will uphold a plan administrator’s decision “if it
is the result of a deliberate, principled reasoning process and if it is supported by
substantial evidence.” Baker v. United Mine Workers of Am. Health & Ret. Funds, 929
F.2d 1140, 1144 (6th Cir. 1991). However, as we have repeatedly stated, “the federal
courts do not sit in review of the administrator’s decisions only for the purpose of rubber
No. 08-4433         Balmert v. Reliance Standard Life Ins. Co.                        Page 6


stamping those decisions.” Moon v. Unum Provident Corp., 405 F.3d 373, 379 (6th Cir.
2005).

                                      DISCUSSION

         A. Full and Fair Review

         29 U.S.C. § 1133 provides that every employee benefit plan must:

         (1) provide adequate notice in writing to any participant or beneficiary
         whose claim for benefits under the plan has been denied, setting forth the
         specific reasons for such denial, written in a manner calculated to be
         understood by the participant, and
         (2) afford a reasonable opportunity to any participant whose claim for
         benefits has been denied for a full and fair review by the appropriate
         named fiduciary of the decision denying the claim.

The essential purpose of 29 U.S.C. § 1133 is twofold: “(1) to notify the claimant of the
specific reasons for a claim denial, and (2) to provide the claimant an opportunity to
have that decision reviewed by the fiduciary.” Wenner v. Sun Life Assurance Co. of
Can., 482 F.3d 878, 882 (6th Cir. 2007) (emphasis omitted). Moreover, an administrator
may not initially deny benefits for one reason, and then turn around and deny benefits
for an entirely different reason, after an administrative appeal, without affording the
claimant an opportunity to respond to the second, determinative reason for the denial of
benefits. Id. at 882.

         Balmert argues that her administrative appeal was procedurally unfair because
Reliance Standard’s final benefits determination was allegedly for a different reason than
its initial benefits determination. This contention, however, is without merit. Reliance
Standard’s June 2, 2005 letter to Balmert stated that the reason for denying long-term
disability benefits was that “there is no documentation of a physical condition that would
preclude you from performing the material duties of your own occupation.” Similarly,
its December 14, 2006 letter to Balmert stated that the basis for denying continuing long-
term disability benefits was that “disability is not supported beyond [September 29,
2006].” In other words, benefits were initially denied based on a lack of evidence of
No. 08-4433        Balmert v. Reliance Standard Life Ins. Co.                       Page 7


disability, and continuing benefits were finally denied based on a lack of evidence of
disability. This is not a case in which the administrator initially denied benefits for one
reason and later denied benefits for another reason. See id. The fact that Balmert
received benefits for a closed period does not alter the fact that Reliance Standard
consistently and accurately notified her that benefits had been denied based on a lack of
evidence supporting disability.

       Balmert also argues that her administrative appeal was procedurally unfair
because she was not given the opportunity to respond to the independent medical
examiner’s report. Relying on Houston v. Unum Life Insurance Co. of America, 246 F.
App’x 293 (6th Cir. 2007) (unpublished), Balmert contends that “the persistent core
requirements of review intended to be full and fair include knowing what evidence the
decision-maker relied upon, having an opportunity to address the accuracy and
reliability of that evidence, and having the decision-maker consider the evidence
presented by both parties prior to reaching and rendering his decision.” Id. at 300
(emphasis in original) (quoting Halpin v. W. W. Grainger, Inc., 962 F.2d 685, 689 (7th
Cir. 1992)). Reliance Standard, quoting Metzger v. Unum Life Insurance Co. of
America, 476 F.3d 1161 (10th Cir. 2007), counters that:

       Permitting a claimant to receive and rebut medical opinion reports
       generated in the course of an administrative appeal–even when those
       reports contain no new factual information and deny benefits on the same
       basis as the initial decision–would set up an unnecessary cycle of
       submission, review, re-submission, and re-review. This would
       undoubtedly prolong the appeal process, which, under the regulations,
       should normally be completed within 45 days. Moreover, such repeating
       cycles of review within a single appeal would unnecessarily increase cost
       of appeals.

Id. at 1166-67 (internal citations omitted). However, because Balmert did not attempt
to rebut Dr. Thomas’s medical opinion, it is unnecessary for us to address the limits of
a claimant’s right to rebut medical opinion reports generated in the course of an
administrative appeal.
No. 08-4433         Balmert v. Reliance Standard Life Ins. Co.                        Page 8


        It is sufficient for us to reiterate that, in the context of an administrative appeal
of an adverse benefits determination, 29 C.F.R. § 2560.503-1(h)(2) outlines the essential
procedural requirements for a full and fair review. These procedural requirements
include (1) the allowance of 60 days, after notification of an adverse benefit
determination, in which a claimant may file an administrative appeal; (2) the opportunity
to submit written comments, documents, records, and other information relating to the
claim for benefits; (3) the right to be provided, upon request and free of charge,
reasonable access to and copies of all documents, records, and other information relevant
to the claim for benefits; and (4) the requirement that the fiduciary take into account all
comments, documents, records, and other information submitted by the claimant relating
to the claim, regardless of whether such information was submitted or considered in the
initial benefit determination. Id.

        A claimant’s failure to fully explore and exercise her procedural rights does not
undermine the fundamental fairness of an otherwise full and fair administrative review
process. Pursuant to 29 C.F.R. § 2560.503-1(h)(2)(iii), Balmert had the right to receive
a copy of Dr. Thomas’s report, but in order to exercise this right she was required to
request a copy of the report. Id. It is clear that Balmert had notice that Dr. Thomas
would provide a medical evaluation in relation to her administrative appeal as Balmert
was personally evaluated by Dr. Thomas during the course of the administrative appeal
process. However, there is no evidence that she requested a copy of Dr. Thomas’s
report.2 Moreover, pursuant to 29 C.F.R. § 2560.503-1(h)(2)(ii), Balmert had the right,
during the course of her administrative appeal, to submit written comments, documents,
records, and other information for the purpose of rebutting Dr. Thomas’s report or
otherwise bolstering her claim. Id. There is, however, no indication that Balmert
tendered any evidence for the purpose of rebutting Dr. Thomas’s report. In other words,
in spite of the fact that Balmert knew that she had been evaluated by Dr. Thomas and
that his report would be considered by Reliance Standard as part of the administrative
appeal process, she did not take the opportunity to request a copy of the report or

        2
        Balmert received a copy of Dr. Thomas’s report as an appendix to Reliance Standard’s
December 14, 2006 final determination letter.
No. 08-4433        Balmert v. Reliance Standard Life Ins. Co.                      Page 9


otherwise attempt to address the accuracy and reliability of Dr. Thomas’s medical
findings. The fact that Balmert did not fully exercise her rights to receive and rebut Dr.
Thomas’s medical opinion does not render her administrative appeal procedurally
defective.

       B. Benefits Determination

       Balmert argues that Reliance Standard’s final decision to grant benefits to
Balmert for a closed period, August 26, 2004 to September 29, 2006, but otherwise deny
continuing long-term disability benefits, is arbitrary and capricious. We disagree.
Balmert’s own physician, Dr. Hackshaw, stated on August 26, 2004 that “the pain that
she complains of is disproportionate relative to the amount of synovitis that I see.”
Finding no rheumatological basis for Balmert’s alleged symptoms, Dr. Hackshaw
requested that she be evaluated by a neurologist and a psychologist. At follow-up
appointments, Dr. Hackshaw’s evaluations of Balmert were consistently positive. On
October 21, 2004, he told Balmert that she could return to work with certain limitations.
His records indicate that he believed that Balmert had the capability to work at a
computer, albeit on a more limited basis, as he suggested that she explore some type of
flex plan that would allow her to take her computer typing work home.

       The findings of Dr. Thomas confirm Dr. Hackshaw’s initial observations. Dr.
Thomas noted that Balmert’s rheumatoid arthritis seemed controlled and stated: “I see
no reason why she cannot continue in her present position.” He also observed “no
rheumatological basis for disability.” Dr. Thomas indicated that, at the time of his
evaluation, Balmert had the capacity to perform keyboarding functions and otherwise
use her hands. However, based on his review of Balmert’s medical records, he noted
that she initially may have had difficulty keyboarding and with other use of her hands.
Although there may have been sufficient evidence to support an outright denial of
disability benefits, based on Dr. Thomas’s review of the medical records, Reliance
Standard granted benefits to Balmert for the closed period of August 26, 2004 to
September 29, 2006.
No. 08-4433        Balmert v. Reliance Standard Life Ins. Co.                    Page 10


       The divergence of medical opinion between Dr. Thomas and Dr. Hackshaw
primarily resulted from Balmert’s modified FCE. Based on the modified FCE, the
physical therapist recommended that it would be unsafe to place Balmert in any type of
formal work setting. This recommendation contradicted Dr. Hackshaw’s previous
medical opinion that Balmert could return to work with some limitations. However, in
a highly ambiguous statement, Dr. Hackshaw wrote that he agreed with “the findings
from the evaluation” and stated: “I have been following Ms. Balmert since 2004 and
would agree her condition was the same at that time as it is now.” It is noteworthy that
Dr. Hackshaw did not state that he agreed with the recommendations of the physical
therapist. Moreover, it is unclear what Dr. Hackshaw meant by his statement that
Balmert’s condition is “the same” as it was in 2004. Indeed, Balmert remained at work
until August 2004; Dr. Hackshaw had consistently opined in 2004 that Balmert’s
rheumatoid arthritis was under control, and he had told Balmert in October 2004 that she
could return to work. Thus, it is reasonable to find that Dr. Thomas’s medical
observations were more credible than Dr. Hackshaw’s ambiguous statement of
agreement with the modified FCE.

       Under ERISA, plan administrators are not required to accord special deference
to the opinions of treating physicians. Black & Decker Disability Plan v. Nord, 538 U.S.
822, 831 (2003). Moreover, ERISA does not impose a heightened burden of explanation
on administrators when they reject a treating physician’s opinion. Id. Reliance on other
physicians is reasonable so long as the administrator does not totally ignore the treating
physician’s opinions. See id. at 834. The record indicates that Dr. Hackshaw’s medical
observations were taken into consideration both by Reliance Standard and by Dr.
Thomas. Moreover, there is no indication that Dr. Thomas’s medical observations were
biased. In fact, Dr. Thomas’s medical observations accord with Dr. Hackshaw’s initial
medical observations, and the apparent change in Dr. Hackshaw’s medical opinion is
unexplained. Thus, it is not arbitrary and capricious for Reliance Standard to rely more
on Dr. Thomas’s medical opinion.
No. 08-4433        Balmert v. Reliance Standard Life Ins. Co.                  Page 11


       There are also strong indications in the administrative record that Balmert’s
symptoms were related to stress rather than rheumatoid arthritis. Balmert viewed her
position with Big Lots as a “high stress job,” and her family members told Dr. Hackshaw
that they felt that the stress was exacerbating Balmert’s condition.         Balmert’s
conversations with Dr. McEntyre focused on the long hours at work and the demands
that were placed upon her at home. Of particular importance, Dr. McEntyre noted that
Balmert used complaints of pain to get help from her husband and sons. Thus, there is
an evidentiary basis to conclude that Balmert may have overstated her symptoms or that
her symptoms may have been real but unrelated to her rheumatoid arthritis. However,
because the record was constructed solely to support disability on the basis of
rheumatoid arthritis, there is insufficient record evidence to support a finding of
disability on another basis.

       There is substantial evidence to support Reliance Standard’s benefits
determination. Therefore, Reliance Standard’s benefits determination was not arbitrary
and capricious. See Baker, 929 F.2d at 1144.

       AFFIRMED.
