                       NOT RECOMMENDED FOR PUBLICATION
                              File Name: 06a0304n.06
                                  Filed: May 3, 2006

                                        No. 05-3380

                         UNITED STATES COURT OF APPEALS
                              FOR THE SIXTH CIRCUIT


CHARLES BUCHANAN,

       Plaintiff-Appellant,

v.                                                     On Appeal from the United
                                                       States District Court for        the
AETNA LIFE INSURANCE COMPANY,                          Northern District of Ohio

       Defendant-Appellee.
                                             /

BEFORE:       RYAN, CLAY, and GILMAN, Circuit Judges.

       RYAN, Circuit Judge.         The plaintiff, Charles Buchanan, appeals the district

court’s judgment in favor of the defendant, Aetna Life Insurance Company, on his ERISA

claim for disability benefits, and on Aetna’s counterclaim for reimbursement of benefits it

overpaid Buchanan. We AFFIRM the court’s judgment in favor of Aetna on Buchanan’s

claim, but REVERSE the grant of summary judgment in favor of Aetna on its counterclaim.

                                                 I.

       Buchanan began working as a computer programmer for Progressive Casualty

Insurance Company in September 1996 and was a participant under Progressive’s

Managed Disability Benefits Plan, which was administered by Aetna. Under the plan, a

participant was eligible to receive disability benefits after a period of 24 months only if he

was “not able, solely because of disease or injury, to work at any reasonable occupation.”
(No. 05-3380)                              -2-

The plan defined “reasonable occupation” as “any gainful activity for which you are, or may

reasonably become, fitted by education, training or experience.”

       An eligible plan participant received a monthly disability benefit equal to a

percentage of his monthly salary, and the plan permitted Aetna to reduce that monthly

benefit by “other income benefits,” which included Social Security Disability Insurance

(SSDI) benefits. The plan also provided that the participant was required to repay to Aetna

any overpayment of benefits that resulted from the receipt of other income benefits.

                                             II.

       In June 1997, Buchanan left work due to hypertension and syncope, and began to

receive monthly disability benefits from Aetna in October 1997. In addition, he began

receiving SSDI benefits in January 1998. Aetna claims it did not learn about Buchanan’s

SSDI payments until September 1999.

       In a letter dated October 7, 1999, Aetna informed Buchanan that it had overpaid him

by a total of $15,120 as a result of his receiving SSDI benefits in addition to Aetna’s full

monthly benefit. In order to recover at least part of that overpayment, Aetna began to

withhold benefit payments, but Aetna alleges that approximately $11,000 remains unpaid.

       In 2000, Aetna conducted a review of Buchanan’s claim and concluded that he was

no longer entitled to disability benefits because he had received benefits for more than 24

months, and the evidence showed that he was able to perform the duties of a reasonable

occupation as defined by the plan. In a letter dated July 2000, Aetna informed Buchanan

that his benefits were terminated effective May 31, 2000. Buchanan asked Aetna to

reconsider its decision, but, in a letter to Buchanan dated April 2, 2001, Aetna upheld its

original decision.
(No. 05-3380)                                 -3-

         Buchanan filed a claim in the federal district court to recover benefits under ERISA

§ 502(a)(1)(B), 29 U.S.C. § 1132(a)(1)(B), and Aetna filed a counterclaim under ERISA for

reimbursement of benefits it allegedly overpaid. Buchanan filed a motion to supplement

the administrative record with, among other things, a 1997 MRI film and report that Aetna

and its independent medical examiner had allegedly refused to accept. The district court

denied that motion. Both parties then filed motions for judgment, and the court granted

judgment in favor of Aetna on Buchanan’s claims and Aetna’s counterclaim.

                                               III.

         Traditional summary judgment concepts are inapposite to the adjudication of an

ERISA action for benefits, brought under 29 U.S.C. § 1132(a)(1)(B), because the district

court is limited to the evidence before the plan administrator at the time of its decision, and

therefore, the court does not adjudicate an ERISA action as it would other federal civil

litigation. See Wilkins v. Baptist Healthcare Sys., Inc., 150 F.3d 609, 617-19 (6th Cir.

1998).     We review de novo the district court’s ruling regarding an ERISA plan

administrator’s denial of benefits, applying the same legal standard as the district court.

Whitaker v. Hartford Life & Acc. Ins. Co., 404 F.3d 947, 949 (6th Cir. 2005). When the plan

provides the administrator discretionary authority to determine eligibility for benefits, the

arbitrary and capricious standard of review applies. Id. The district court held that Aetna

had discretionary authority under the plan to determine benefit eligibility, and Buchanan

appears to agree. Therefore, we review Aetna’s decision denying benefits under the

arbitrary and capricious standard of review.

         An administrator’s conflict of interest does not alter the standard of review; rather,

the court should take that conflict into account when determining whether the
(No. 05-3380)                                -4-

administrator’s decision was arbitrary and capricious. Peruzzi v. Summa Med. Plan, 137

F.3d 431, 433 (6th Cir. 1998). We must uphold Aetna’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). Because Aetna was both the insurer and the plan administrator, it had a conflict of

interest.

       Although the district court discussed traditional summary judgment standards at

some length, the court nevertheless properly applied the arbitrary and capricious standard

of review using the evidence available to Aetna at the time of its decision. The court

acknowledged Aetna’s conflict of interest and the requirement that it factor that conflict into

its review. The court then determined that Aetna did not act in an arbitrary and capricious

manner when it terminated Buchanan’s benefits because reports from two independent

medical examiners provided a “reasoned explanation” for Aetna’s decision.

       Buchanan points out that, in a letter, his doctor stated: “The resulting disability

produced by this condition has produced a severe degree of cognitive impairment and

fatigability which I strongly feel makes him disabled from working. . . . I believe Mr.

Buchanan is disabled from his previous type of employment (and perhaps from many types

of meaningful employment).” (Emphasis added.) But the test, according to the plan

language, is whether Buchanan was able to work at a “reasonable occupation,” which is

defined in the plan as “any gainful activity.” (Emphasis added.) The record shows that two

independent medical examiners concluded that Buchanan could perform meaningful work.

       Although Aetna’s April 2, 2001, letter upholding its original decision to terminate

Buchanan’s benefits indicates that Aetna reviewed a portion of medical records belonging
(No. 05-3380)                                -5-

to someone other than Buchanan, we respectfully disagree with our dissenting colleague’s

position that Aetna’s error rendered its decision arbitrary and capricious.

       The April 2, 2001, letter contains an incorrect address and social security number,

and it states that there is “no record provided of the cardiac cath findings,” but that “[t]here

are clear reports . . . of panic attacks and anxiety disorder, which responded to Xanax.”

Buchanan insists that he has never received a cardiac catheter or taken Xanax to control

anxiety, and there is no evidence in the record suggesting he has.

       The letter also references the two independent medical examinations Aetna ordered

and the letter from Buchanan’s doctor, which provide substantial evidence in support of

Aetna’s decision to terminate Buchanan’s disability benefits. There is also no indication

that Aetna’s mistake of reviewing a portion of medical records belonging to someone other

than Buchanan resulted in a selective, inadequate, or otherwise unprincipled review of

Buchanan’s medical records. Therefore, we agree with the district court that the record

contains substantial evidence supporting Aetna’s decision to terminate Buchanan’s

disability benefits and that Aetna employed “a deliberate, principled reasoning process” to

reach that decision.

       We also conclude that the court did not err in denying Buchanan’s motion to

supplement the administrative record with, among other things, a 1997 MRI film and report

indicating that he suffered a stroke. The district court may consider evidence outside of the

administrative record only if “consideration of that evidence is necessary to resolve an

ERISA claimant’s procedural challenge to the administrator’s decision, such as an alleged

lack of due process afforded by the administrator or alleged bias on its part.” Wilkins, 150

F.3d at 618. Buchanan did not raise a procedural challenge to Aetna’s decision in his
(No. 05-3380)                               -6-

motion to supplement the record. He simply argued that “the record is flawed and not

developed properly,” and he offered no evidence in support of the motion beyond the mere

allegation that Aetna refused to accept the proper MRI film and report.

                                             IV.

       Traditional summary judgment concepts do apply to the adjudication of Aetna’s

counterclaim for reimbursement. We review the district court’s legal conclusions and its

grant of summary judgment in favor of Aetna de novo, using the same Fed. R. Civ. P. 56(c)

standard as the district court. Summary judgment is proper only where “the pleadings,

depositions, answers to interrogatories, and admissions on file, together with the affidavits,

if any, show that there is no genuine issue as to any material fact and that the moving party

is entitled to a judgment as a matter of law.” Fed. R. Civ. P. 56(c); Appalachian Res. Dev.

Corp. v. McCabe, 387 F.3d 461, 463 (6th Cir. 2004).

       The parties do not dispute the facts. The terms of the plan clearly provide that

Buchanan is obligated to reimburse Aetna for the benefits it overpaid as a result of his

receipt of SSDI benefits. Buchanan argues only that the law does not provide Aetna with

a remedy. Unfortunately, we must agree. The Supreme Court’s decision in Great-West

Life & Annuity Insurance Co. v. Knudson, 534 U.S. 204 (2002), and our later decision in

Qualchoice, Inc. v. Rowland, 367 F.3d 638 (6th Cir. 2004), cert. denied, 125 S. Ct. 1639

(2005), prohibit Aetna from recovering the money it overpaid.

       29 U.S.C. § 1132(a)(3) provides that an ERISA civil action may be brought:

               by a participant, beneficiary, or fiduciary (A) to enjoin any act or
       practice which violates any provision of this subchapter or the terms of the
       plan, or (B) to obtain other appropriate equitable relief (i) to redress such
       violations or (ii) to enforce any provisions of this subchapter or the terms of
       the plan.
(No. 05-3380)                              -7-

(Emphasis added.) In Knudson, the Supreme Court held that the term “equitable relief” in

29 U.S.C. § 1132(a)(3) refers to the categories of relief typically available in equity.

Knudson, 534 U.S. at 209-10. The Court further explained that not all forms of restitution

were available in equity and that “a plaintiff could seek restitution in equity, . . . where

money or property identified as belonging in good conscience to the plaintiff could clearly

be traced to particular funds or property in the defendant’s possession.” Id. at 213.

       The money Aetna claims it overpaid to Buchanan is not clearly traceable to particular

funds in his possession.     Although Aetna characterizes its claim as one for unjust

enrichment, it actually seeks “legal relief—the imposition of personal liability . . . for a

contractual obligation to pay money.” Id. at 221. As we held in Qualchoice, “a plan

fiduciary’s action to enforce a plan-reimbursement provision is a legal action,” which 29

U.S.C. § 1132(a)(3) does not authorize. Qualchoice, 367 F.3d at 650.

                                            V.

       For these reasons, we AFFIRM the district court’s judgment in favor of Aetna on

Buchanan’s claim for benefits under 29 U.S.C. § 1132(a)(1)(B), and we REVERSE the

court’s grant of summary judgment in favor of Aetna on the counterclaim for reimbursement

of benefits it overpaid and REMAND to the district court.
(No. 05-3380)                                 -8-

       Clay, Circuit Judge, dissenting in part. I agree that the district court improperly

granted summary judgment to Defendant on Defendant’s recoupment of overpayments

claim. I disagree with the majority, however, that Defendant’s denial of benefits was the

result of a “deliberate, principled reasoning process” because the evidence clearly shows

that Defendant considered, in part, someone else’s medical records when it evaluated

Plaintiff’s case. I would therefore vacate the grant of summary judgment for Defendant on

Plaintiff’s denial of benefits claim and remand the case to the district court, with instructions

for further remand to the plan administrator for a proper consideration of Plaintiff’s claim for

benefits.

                                               I.

                                       BACKGROUND

       On September 16, 1996 Plaintiff was hired by Progressive Insurance Co. as a

computer programmer/analyst. Plaintiff then enrolled in Progressive’s ERISA-governed

disability benefits plan, for which Defendant was the claims administrator.

       Plaintiff had a history of hypertension, which Plaintiff alleges was under control until

February 1997, at which time Plaintiff underwent an appendectomy. Subsequent to the

appendectomy, Plaintiff's recovery was difficult and resulted in an increase in his

hypertension and a “cerebrovascular accident.” Plaintiff left work on June 5, 1997 due to

hypertension and syncope,1 and in October 1997 Plaintiff's treating physician diagnosed




       1
       syncope: a temporary suspension of consciousness due to generalized cerebral
ischemia (deficiency in blood). Dorland’s Illustrated Medical Dictionary 1514 (25th ed.
1974).
(No. 05-3380)                                -9-

the likely cause of the syncope as a stroke, or brain stem infarct,2 in early June 1997. After

performing an MRI to confirm the infarct, Plaintiff's physician, Dr. Grubb, diagnosed Plaintiff

with autonomic dysfunction resulting from damage to the brain stem area controlling

autonomic function. Plaintiff’s condition resulted in extreme migraines and fatigability, in

addition to syncopal episodes.       Plaintiff applied for and received disability benefits

commencing in October 1997.

       On October 7, 1999, Defendant requested reimbursement from Plaintiff for alleged

overpayments for the period of January 1, 1998 through September 30, 1999, during which

time Plaintiff was also receiving social security disability payments. Defendant alleged that

long term disability payments were offset under the plan to the extent of any social security

disability monies received.

       After 24 months of disability, Plaintiff’s disability plan provided for continuing

payments only if a claimant “cannot perform all of the material duties of any gainful

occupation for which [claimant] [is] or may become reasonably fitted by training, education

or experience.” (J.A. at 201.) Defendant therefore undertook a review of Plaintiff’s

disability status in 2000. In a letter dated July 13, 2000, Defendant informed Plaintiff that

its review of Plaintiff's condition did not support Plaintiff's continued status as disabled.

Defendant stated that information provided by Plaintiff’s attending physician, a Dr. Grubb,

indicated that there was no objective information which supported Plaintiff's ongoing

disability. Defendant further noted that based on information from Dr. Grubb, it “appears



       2
        infarct: an area of coagulation necrosis in a tissue due to local ischemia resulting
from obstruction of circulation to the area. Dorland’s Illustrated Medical Dictionary, supra
note 1, at 778.
(No. 05-3380)                                - 10 -

your condition is under reasonable control and you would be able to perform the duties of

sitting, computer keyboarding [and] programming, and phone work.”                (J.A. at 201.)

Defendant therefore terminated Plaintiff's disability benefits as of May 31, 2000.

       On July 24, 2000 Plaintiff appealed Defendant's termination of benefits through

Defendant's administrative appeals procedure. Defendant submitted a letter from Dr.

Grubb which referenced the MRI confirming the brain stem stroke and repeating his

diagnosis of autonomic disorder manifesting in cognitive impairment, severe migraines, and

fatigability. The letter also stated Dr. Grubb’s opinion that Plaintiff “is disabled from his

previous employment (and perhaps from many types of meaningful employment ).” (J.A.

at 171.) Defendant then referred Plaintiff for evaluation by independent medical personnel

of the North American Medical Evaluations, Inc. Plaintiff was given a psychological

evaluation and a medical exam. The psychologist determined that Plaintiff performed in

the average range of cognitive function, exhibited mild impairment in some motor function,

exhibited mild depression, and showed difficulty in maintaining alertness. The psychological

report concluded that Plaintiff could return to work if given accommodations such as

frequent breaks to refresh alertness.

       Plaintiff’s independent medical examination took place on November 21, 2000. In

the letter notifying Plaintiff of the medical appointment, Defendant invited Plaintiff to “obtain

and bring any medical records, X-ray films, MRI films and any test results to assist in this

evaluation.” (J.A. at 169.) Defendant alleges that Plaintiff produced no MRI showing his

brain stem infarct. Plaintiff alleges that Plaintiff brought the relevant MRI, dated September

29, 1997, with him to the medical evaluation, but that the physician refused to take the film

from Plaintiff, saying instead that the physician would procure the MRI from the hospital.
(No. 05-3380)                                - 11 -

Plaintiff further alleges that his wife sent a copy of the relevant MRI to Defendant at some

time.

        The independent medical evaluation concluded that “[t]he patient has hypertension

and depression. There is no clearcut explanation of his episodic complaints. Of note,

however, I see no clearcut reason why this patient could not perform his previous

employment.” (J.A. at 151.) Earlier in the letter, the physician noted that Plaintiff took

Celexa for his depression. The physician further noted that while Plaintiff’s wife reported

to him an MRI revealing a stroke, the “official report . . . on the head MRI study obtained

through . . . Akron General Medical Center [dated] October 23, 1998 was negative except

for ‘mild bilateral maxillary and ethmoid sinusitis.’” (J.A. at 150.)

        There is no indication in Plaintiff’s medical records from his treating physicians that

Celexa was described for depression. Rather, Celexa, while a popular antidepressant,

appears to have been prescribed by Dr. Grubb to address Plaintiff’s headaches and

extreme fatigue. (See J.A. at 190.) Nothing in Plaintiff’s medical records reveals a

diagnosis of depression by his attending physicians. (See J.A. at 223, Medical Provider

Statement by Dr. Grubb, noting diagnosis of syncope and autonomic disorder, but not

depression, and recording Celexa as a prescribed medication).)

        In a letter dated April 2, 2001, Defendant denied Plaintiff’s appeal of the termination

of his disability benefits. The letter was addressed to Plaintiff, but contained the wrong

address and the wrong social security number. The letter summarized Defendant’s

assessment of Plaintiff's claim:

              Your diagnosis is autonomic dysfunction syndrome, stroke secondary
        to anesthesia during surgery and cervical pain.
(No. 05-3380)                              - 12 -

              You have been out of work as a Computer Programmer/Analyst since
       June 5, 1997 due to hypertension syncope. Office notes indicate that you
       were told in October, 1997 that you may have had a stroke over the summer.
       Rehabilitation followed your case with the onsite individual from October
       1997. In June, 1998, it appeared that you were released to return to work but
       you developed panic attacks therefore a psychiatric referral was made. You
       had medication changes that made you ill that psychiatric referral was
       cancelled and was not rescheduled. Other notes indicate that you had a
       cardiac cath[eter] on August 4, 1999 with discharge on August 5, 1999 with
       possible surgery indicated, but no surgery was noted. On February 15, 2000
       notes your doctor reported that you have had no recent syncopal episodes
       and your blood pressure was well controlled. You stated you may possibly
       have sleep apnea but sleep studies were normal.

               There are numerous reports from you and your wife regarding your
       symptoms but there is very little objective medical information. The objective
       information that is present was all provided in the first 2 years of your
       disability. There is no clinical record provided to substantiate seizure
       disorder, no MRI report confirming a stroke and no record provided of cardiac
       cath findings. There are clear reports from your doctor’s officer of panic
       attacks and anxiety disorders, which responded to Xanax. There have been
       no observable, objective tests, which substantiate total disability to any
       reasonable occupation.

              You reported you were unable to drive due to severity of fatigue and
       sleepiness, but surveillance is reported to clearly document otherwise.3

(J.A. at 374-75.)

       There is no indication in Plaintiff’s medical records that Plaintiff ever received a

cardiac catheter or was ever even referred for such a procedure, and Plaintiff denies

undergoing any. Plaintiff further alleges that the denial letter references medications that

Plaintiff never took. Plaintiff’s address was, at all relevant times, 372 East Cassell Ave.,

Barberton, OH 44203. The letter was addressed to Plaintiff at 6020 Periwinkle Dale,



       3
        Defendant had Plaintiff surveilled on May 11, 13, and 15, 2000. The surveillance
reports indicated that Plaintiff was observed on May 11 operating a Mazda pick-up three
times, and on May 13 he operated the same truck for a single trip to the local middle
school. (J.A. at 198-200.)
(No. 05-3380)                                 - 13 -

Seneca, SC 29672. Plaintiff’s social security number is xxx-xx-2752. The letter referenced

social security number xxx-xx-6220. (full social security numbers omitted for confidentiality

purposes)

                                               II.

                                          ANALYSIS

A.     The District Court Erred by Refusing to Permit Wilkins Discovery

       This Court reviews the district court’s decision on whether to permit discovery

beyond the administrative record de novo. Cf. Putney v. Medical Mut., 111 Fed. Appx. 803,

806 (6th Cir. 2004) (unpublished opinion).

       Plaintiff argues that the district court should have granted Plaintiff’s motion to either

supplement the administrative record or remand for correction because Defendant violated

Plaintiff's procedural due process rights when it refused to consider the September 27,

1997 MRI. Plaintiff presents evidence that the MRI had been available to Defendant

(Plaintiff's wife having proffered the MRI to the physician performing the independent

medical evaluation) in the form of an affidavit from Plaintiff and Plaintiff’s wife; the affidavit

had the referenced MRI attached. (See J.A. at 48-50.) Defendant asserts in briefs to this

Court that the MRI's lack of presence in the administrative record proves its unavailability

to Defendant, but puts forth no evidence, save the state of the administrative record itself,

in support of that assertion.

       In Wilkins, this Court clarified when and to what extent a district court may go

beyond the administrative record in reviewing an ERISA administrator’s decision. Wilkins
(No. 05-3380)                               - 14 -

v. Baptist Healthcare Sys., Inc., 150 F.3d 609, 618-19 (6th Cir. 1998). This Court instructed

district courts to follow a two-step process in adjudicating an ERISA benefit action:

       1.      As to the merits of the action, the district court should conduct a de
       novo [or arbitrary and capricious] review based solely upon the administrative
       record, and render findings of fact and conclusions of law accordingly. The
       district court may consider the parties’ arguments concerning the proper
       analysis of the evidentiary materials contained in the administrative record,
       but may not admit or consider any evidence not presented to the
       administrator.

       2.     The district court may consider evidence outside of the administrative
       record only if that evidence is offered in support of a procedural challenge to
       the administrator’s decision, such as an alleged lack of due process afforded
       by the administrator or alleged bias on its part. This also means that any
       prehearing discovery at the district court level should be limited to such
       procedural challenges.

Id.

       Plaintiff has alleged a procedural violation by Defendant. If true, the procedural

violation is significant, for it wrongfully precluded the only fully objective medical evidence

of the cause of Plaintiff's condition from appearing in the administrative record. Under

Wilkins, the district court should have permitted discovery to the extent the parties could

adduce evidence as to whether Defendant had the September 1997 MRI available to it

when ruling on Plaintiff’s claim for continued benefits.

       Should discovery have revealed that Defendant did have the MRI available to it, the

district court could have followed one of two recourses. First, the district court could have

permitted the parties to supplement the administrative record with the MRI and any relevant

medical interpretations of the MRI. Id. Second, and perhaps more appropriately, the

district court could have remanded the case to the administrator. Vanderklok v. Provident

Life & Accident Ins. Co., 956 F.2d 610, 619 (6th Cir. 1992). While remand is appropriate
(No. 05-3380)                                - 15 -

only in those cases where some useful purpose would be served from remand, the

inclusion of the MRI in the administrative record, as the only objective evidence of the

cause of Plaintiff's condition, is central to the benefits determination and therefore justifies

such remand. See Kent v. United of Omaha Life Ins. Co., 96 F.3d 803, 807-08 (6th Cir.

1996).

B.     The District Court Erred in Granting Summary Judgment to Defendants on
Plaintiff's Claim for Benefits

         1.     Standard of Review

         In an ERISA benefits case, this Court reviews de novo a district court's decision on

the administrative record. See Spangler v. Lockheed Martin Energy Sys., 313 F.3d 356,

361 (6th Cir. 2002). The general rule is to review a plan administrator’s denial of ERISA

benefits de novo. Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 115 (1989).

However, where, as is the case here, a plan vests the administrator with complete

discretion in making eligibility determinations, such determinations will stand unless they

are arbitrary or capricious.     Id.4   A benefit denial is arbitrary and capricious if the

administrative record cannot support the rationale of the benefits denial as a “reasoned

explanation.” See Moon v. Unum Provident Corp., 405 F.3d 373, 381 (6th Cir. 2005). The

“explanation must be consistent with the quantity and quality of the medical evidence that

is available on the record.” Id. (internal quotation and citation omitted).



         4
         Plaintiff argues that the district court did not properly consider Defendant’s conflict
of interest insofar as Defendant is both the claims administrator and the insurer. This Court
has repeatedly held that such a conflict of interest does not change the standard of review,
but is factored into the analysis going to whether the administrator’s decision was arbitrary
and capricious. See Darland v. Fortis Benefits Ins. Co., 317 F.3d 516, 527 (6th Cir. 2003).
(No. 05-3380)                               - 16 -

       Absent a procedural challenge, the review of the courts is confined to the

administrative record as it existed on the date of the administrator's decision. See Wilkins,

150 F.3d at 615. If the administrative record so limited supports the administrator's action

as a "reasoned" decision, the decision is not arbitrary or capricious. Williams v. Int’l Paper

Co., 227 F.3d 706, 712 (6th Cir. 2000). As this Court has recently observed, however, “the

arbitrary-and-capricious . . . standard does not require us merely to rubber stamp the

administrator’s decision.” Jones v. Metro. Life Ins. Co., 385 F.3d 654, 661 (6th Cir. 2004).

Indeed, “deferential review is not no review, and deference need not be abject.” McDonald

v. Western-Southern Life Ins. Co., 347 F.3d 161, 172 (6th Cir. 2003).

      2.      Significant References to Medical Records Other Than Plaintiff’s Renders the
Administrator’s Denial Arbitrary and Capricious

       Defendant’s decision is unsupported by the record because Defendant’s denial letter

contains such egregious errors going both to Plaintiff’s identify and Plaintiff's medical

records that Defendant's decision can only be arbitrary and capricious.

       By all indications, Defendant considered someone else's medical records in

conjunction with Plaintiff's records in making its 2001 benefits determination. The April 2,

2001 denial letter referenced the wrong address, the wrong social security number, and

included references to medical treatments and conditions which Plaintiff never had,

including a heart catheter, depression, and a number of drug prescriptions.               Few

administrator decisions could be more “arbitrary and capricious” than a denial of benefits

in partial reliance on the medical records of someone else.

       A Fourth Circuit district court has dealt with just such an administrator's decision and

concluded that a benefits decision based, in part, on medical records not belonging to the
(No. 05-3380)                              - 17 -

claimant revealed a decision process so flawed that it was “unprincipled and

unreasonable.” See Watson v. Unum Provident Corp., 185 F. Supp. 2d 579, 586 (D. Md.

2002). This Court has always required that the record support the reasoning of an

administrator’s decision. See Moon, 405 F.3d 373, 378 (6th Cir. 2005). Someone else’s

medical records cannot support a “reasoned decision” going to Plaintiff’s claim for benefits.

Summary judgment for Defendant was improper.

       I therefore dissent from the majority’s affirmance of the district court’s summary

judgment for Defendant on Plaintiff’s denial of benefits claim.
