                     NOT RECOMMENDED FOR PUBLICATION
                            File Name: 15a0801n.06

                                       No. 15-1480                                 FILED
                                                                             Dec 09, 2015
                      UNITED STATES COURT OF APPEALS                     DEBORAH S. HUNT, Clerk
                           FOR THE SIXTH CIRCUIT

DONALD GODMAR,                                       )
                                                     )
       Plaintiff-Appellant,                          )
                                                     )
v.                                                   )
                                                          ON APPEAL FROM THE
                                                     )
                                                          UNITED STATES DISTRICT
HEWLETT-PACKARD COMPANY;                             )
                                                          COURT FOR THE EASTERN
HEWLETT-PACKARD COMPANY                              )
                                                          DISTRICT OF MICHIGAN
DISABILITY PLAN; SEDGWICK CLAIMS                     )
MANAGEMENT SERVICES, INC.,                           )

       Defendants-Appellees.


BEFORE: DAUGHTREY, COOK, and WHITE, Circuit Judges.

       HELENE N. WHITE, Circuit Judge. Donald Godmar appeals the district

court’s grant of judgment on the administrative record to Hewlett-Packard Company

(HP), the Hewlett-Packard Disability Plan (the Plan), and Sedgwick Claims Management

Services, Inc. (Sedgwick), in this action to recover disability benefits under the Employee

Retirement Income Security Act of 1974 (ERISA), 29 U.S.C. § 1132(a)(1)(B). Godmar

argues the denial of his disability claim was arbitrary and capricious. We VACATE the

district court’s judgment and REMAND for further proceedings.

                                            I.

       Godmar worked as a customer-project manager at HP. In this role, Godmar

managed HP programs at General Motors and led a team of eighteen to forty persons. He

drove from HP to General Motors on a daily basis and spent eight to ten hours at the

General Motors site. His position also required more extensive travel approximately
No. 15-1480
Godmar v. Hewlett-Packard Co., et al.

every six weeks. Aside from driving, Godmar’s position required five to six hours of

sitting per day and less than one hour of standing and walking.

       On September 20, 2009, Godmar sustained traumatic injuries to his left leg in a

water-skiing accident, including dislocation of his tibia and fibula, a tibia plateau

fracture, a torn meniscus, a torn medial collateral ligament, a ruptured plantar fascia, a

damaged Achilles tendon, a damaged thigh muscle, damaged ligaments in his ankle, and

damaged peroneal, femoral, and sciatic nerves. Over the next three years, Godmar

underwent nine surgeries to repair the damage, culminating in a knee-replacement

arthroplasty in October 2011.       Because of his numerous surgeries, Godmar was

prescribed pain medication for more than two years. Godmar took intermittent leaves of

absence from HP during treatment for his injuries, including the 2011 knee-replacement

surgery. He apparently received disability benefits from HP for at least some of these

leaves of absence, including a period in February 2010 and from October 5, 2011 until at

least December 31, 2011.1 Godmar’s orthopedic surgeon approved his return to work in

early 2012.

       HP provides disability benefits through the Plan, which is administered by

Sedgwick. In the first twenty-six weeks following the onset of an injury or sickness, an

employee is eligible for short-term disability benefits if “totally disabled.” An employee

qualifies as totally disabled if “unable to perform the material and essential functions” of

the employee’s “usual occupation,” defined as “the customary work assigned” to the

employee on the employee’s “customary schedule.”           HP delegated to Sedgwick its


       1
       Godmar’s history of absences after the water-skiing accident is not well
documented in the administrative record.


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“discretionary authority” to determine whether an employee is totally disabled. This

determination is made “on the basis of objective medical evidence,” defined as “evidence

establishing facts or conditions as perceived without distortion by personal feelings,

prejudices, or interpretations.”

       On June 1, 2012, Godmar visited his primary-care physician, Dr. David Schwarz,

to address chronic pain from the water-skiing accident. Godmar also reported to Dr.

Schwarz that his medications were “out of control,” leading to addiction, depression, and

anxiety.    Dr. Schwarz’s clinical impressions included left great-toe pain, pain-

management issues, and left foot and ankle pain. Dr. Schwarz told Godmar not to return

to work until July 15, 2012. Godmar took a leave of absence from HP and applied for

short-term disability benefits. On June 4, Dr. Schwarz sent Sedgwick a certification that

Godmar was disabled. The certification detailed a diagnosis of left leg, foot, and ankle

pain arising from the knee-replacement surgery and stated that Godmar was “[u]nable to

work” from June 1 to July 15 because of “pain/meds.”

       In the following weeks, Sedgwick contacted Godmar to discuss his claim and

ordered records from his medical providers. Sedgwick’s claim examiner requested an

internal review by a registered nurse on June 20 to “determine if medical information

presented substantiates initial benefits.” A nurse then reviewed the disability certification

and concluded that “[m]edical information substantiate[d] disability from 6/1 to 6/15.”

The nurse observed that Dr. Schwarz had referred Godmar to the orthopedic surgeon who

performed the knee arthroplasty, Dr. Bruce Lawrence, and asked the examiner to request

his notes for further review. The examiner then approved “initial benefits” for June 1




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through June 30. Sedgwick contacted Godmar by phone on June 21 to inform him that

he was approved for disability through the end of the month.

       The nurse reevaluated the available records on July 6 and determined there was

no objective evidence to substantiate Godmar’s total-disability claim after June. On July

12, while Godmar’s claim was still pending, Dr. Schwarz submitted a form to extend

Godmar’s disability through September 15, 2012. By the end of July, Sedgwick obtained

medical records from Dr. Lawrence, the orthopedic surgeon; Dr. Angel Rigueras, a

physiatrist; Dr. John Kohn, a pain-management specialist; and Dr. Schwarz, the family

physician. A second nurse reviewed the records on July 20 and found there was still no

objective medical evidence to support Godmar’s claim. The second nurse reevaluated the

claim on July 26, after receipt of additional records from Dr. Schwarz, but came to the

same conclusion.

       Sedgwick issued its decision on July 30, 2012. In a letter to Godmar, Sedgwick

informed him that short-term disability benefits had been terminated effective July 1.

The letter explained that Sedgwick had reviewed the records from Godmar’s physicians,

including Drs. Lawrence, Kohn, Rigueras, and Schwarz, and concluded that “[t]he

medical documentation . . . [did] not contain objective findings to support [Godmar’s]

inability to perform [his] usual and customary job duties.” The letter acknowledged that

“a medical condition may exist” but stated that “there must be objective medical

information to support disability benefits” under the Plan. Lastly, Sedgwick informed

Godmar that he would need to “submit a written appeal and objective medical evidence”

to perfect his claim.




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       Godmar submitted an appeal on August 8, 2012. In a six-page letter, Godmar

addressed the findings Sedgwick cited in its decision and elaborated on the circumstances

of his treatment in June and July. He explained that he was on morphine twenty-four

hours per day, could no longer drive, and slept more than twenty hours per day several

times per week. He also described his plan to seek professional help to address his opiate

addiction. He attached a detailed spreadsheet that he and his wife used to track his

medications.   On August 15, the day after Sedgwick received the appeal, Godmar

checked himself into the Brighton Center for Recovery to treat his addiction; he was

successfully discharged on August 28. On August 27, Dr. Schwarz sent Sedgwick a

letter reiterating his support for Godmar’s disability claim and explaining that Godmar

could not perform the core functions of his HP position because of his chronic pain and

medication.

       Sedgwick sent Godmar’s records to two board-certified physicians to conduct

outside reviews.   Dr. Richard Kaplan reviewed Godmar’s records from a physical-

medicine perspective and found that although Godmar “appear[ed] to have [a] residual

clinical finding in his left lower extremity from both an orthopedic and a neurological

perspective,” this limitation “would not impact [Godmar’s] usual work activities”

according to his job description. Dr. Kaplan concluded that Godmar was not totally

disabled. Dr. Marcus Goldman reviewed Godmar’s file from a psychiatry perspective

and found that Godmar was disabled from August 15 to August 28—the period when

Godmar “was actively treating in a rehabilitation facility for his history of opiod [sic]

addiction and was incapable of function or working due to his confinement.” Outside

this period, Dr. Goldman concluded, there were “no relevant data to support disability.”


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Relying on these reports, Sedgwick issued a decision on September 28 approving benefits

from August 15 to August 28 and otherwise denying benefits beginning on July 2.

       Godmar’s attorney contacted Sedgwick on November 1, 2012, to inquire whether

additional documents could be submitted. Sedgwick offered to “review new or additional

information pertaining to Mr. Godmar’s claim, providing information submitted is not

duplicate documentation already contained in the file.” Before the end of the month, Dr.

Jeffrey M. Rosenberg, a pain specialist who treated Godmar, submitted a certification of

disability to Sedgwick, and Dr. Schwarz submitted another certification on December 3.

On March 14, 2013, Godmar’s attorney sent a forty-six-page letter and additional

documentation, including records dating back to 2009 from more than a dozen doctors

who treated Godmar after his water-skiing accident.

       Drs. Kaplan and Goldman reviewed the new files and spoke with Godmar’s

providers. Dr. Kaplan remarked that “this new information continues to not address the

question of whether the claimant could perform his usual activity, which is essentially a

sedentary desk type job,” and Dr. Kaplan reaffirmed his opinion that any limitations were

“based on subjective symptoms” and “not clearly supported objectively by [Godmar’s]

neurological or orthopedic condition.” Dr. Goldman reviewed evidence of “depression,

anxiety, pain and opiate use” but reported that these issues “are not pathological” and

“[m]ost mental status examinations . . . revealed no significant abnormalities.” Sedgwick

engaged Dr. James Tran, a neurosurgeon, to conduct a third file review. Dr. Tran

concluded there was “no evidence of neurologic deficits” that would impact Godmar’s

“ability to function,” citing the same evidence that the nurses described in their initial

reviews.


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       Sedgwick issued its final decision on June 4, 2013, concluding there was

insufficient objective evidence to support Godmar’s claim of total disability after June

2012, except for the period he was at Brighton Recovery Center in August 2012.

Godmar did not return to work until February 2014. Godmar brought this ERISA action

to recover disability benefits, and the district court granted judgment on the

administrative record to HP, the Plan, and Sedgwick.

                                           II.

       We review the district court’s judgment de novo and apply the same standard of

review as the district court. Waskiewicz v. UniCare Life & Health Ins. Co., 802 F.3d 851,

855 (6th Cir. 2015). Where, as here, the benefits plan grants the administrator discretion

to make eligibility determinations, we review the administrator’s decision under a

deferential arbitrary-and-capricious standard. Firestone Tire & Rubber Co. v. Bruch, 489

U.S. 101, 115 (1989); McClain v. Eaton Corp. Disability Plan, 740 F.3d 1059, 1065 (6th

Cir. 2014). “[W]e 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.’”

Balmert v. Reliance Standard Life Ins. Co., 601 F.3d 497, 501 (6th Cir. 2010) (quoting

Baker v. United Mine Workers of Am. Health & Ret. Funds, 929 F.2d 1140, 1144 (6th

Cir. 1991) (per curiam)).

                                           III.

                                           A.

       Godmar first challenges Sedgwick’s decision to deny his claim after approving

one month of benefits. Sedgwick’s decision was arbitrary and capricious, he argues,




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because it reversed the initial disability determination without evidence that his condition

had improved. We disagree.

       Godmar relies on two cases addressing the cancellation of approved benefits.

In Kramer v. Paul Revere Life Insurance Co., 571 F.3d 499 (6th Cir. 2009), we held that

a plan administrator’s decision to terminate benefits was arbitrary and capricious because

the administrator offered “no explanation for the decision to cancel benefits that had been

paid for some five years based upon the initial determination of total disability in the

absence of any medical evidence that the plaintiff’s condition had improved during that

time.” Id. at 507. And in Morris v. American Electric Power Long-Term Disability Plan,

399 F. App’x 978 (6th Cir. 2010), we observed that it “would be the very definition of

‘arbitrary and capricious’” for a plan administrator that makes an initial disability

determination to “reverse[] course” without “a reason for the change.”          Id. at 984

(emphasis in original).

       Unlike the plan administrators in those cases, however, Sedgwick did not cancel

approved benefits. In both Kramer and Morris, the claimant received ongoing long-term

disability benefits—for five and twelve years, respectively—that were terminated after

the plan administrator reexamined the longstanding disability determination. See Morris,

399 F. App’x at 986; Kramer, 571 F.3d at 507. In contrast, Godmar applied for short-

term disability benefits and received preliminary approval for only the first month of his

claim. Sedgwick did not terminate the approved month of benefits or reverse its limited

eligibility determination; rather, Sedgwick declined to approve continued benefits.

       Further, the justification for Sedgwick’s initial approval contemplates a

subsequent denial.        The approval was the result of the consulting nurse’s terse


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Godmar v. Hewlett-Packard Co., et al.

recommendation, after reviewing Dr. Schwarz’s one-page disability certification, that

Sedgwick should approve two weeks of disability benefits. She noted Godmar’s referral

to an orthopedic surgeon and stated that the notes from that meeting would be necessary

to extend his disability benefits. The examiner then approved a full month of benefits—

twice the length recommended by the nurse—and noted, “Initial beneits [sic] approved

from 01-JUN-2012 thru 30-JUN-2012 to prevent lapse in benefits while obtaining

additional information for review. Benefits beyond 30-JUN-2012 is pending receipt and

review of medical information requested.”

       Thus, Godmar’s argument that Sedgwick could not deny further benefits without

evidence of improvement is misplaced.              In Morris, we explained that when an

administrator evaluates whether further benefits are appropriate, “the ultimate question is

whether the plan administrator had a rational basis for concluding that [the claimant] was

not disabled at the time of the new decision.” Morris, 399 F. App’x at 984. Sedgwick’s

denial of benefits would be arbitrary and capricious only if it lacked a rational basis at the

time of the denial, regardless of its earlier approval.

                                              B.

       Godmar also challenges Sedgwick’s decision-making process, particularly its

reliance on a file review conducted by consulting physicians. Sedgwick’s decision was

arbitrary and capricious, he argues, because Sedgwick selectively reviewed the record

and improperly dismissed his limitations as subjective. We agree.

                                              1.

       After three rounds of review, Sedgwick determined there was no objective

evidence that Godmar had a total disability. Godmar argues that Sedgwick cherry-picked


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Godmar v. Hewlett-Packard Co., et al.

evidence from the record to reach this conclusion.         We have explained that plan

administrators may not engage in a “selective review of the administrative record,” Moon

v. Unum Provident Corp., 405 F.3d 373, 381 (6th Cir. 2005), by ignoring evidence of

disability or giving undue weight to evidence favoring denial, see, e.g., Shaw v. AT&T

Umbrella Benefits Plan No.1, 795 F.3d 538, 548–50 (6th Cir. 2015); Metro. Life Ins. Co.

v. Conger, 474 F.3d 258, 265 (6th Cir. 2007); Kalish v. Liberty Mutual/Liberty Life

Assurance Co. of Bos., 419 F.3d 501, 509 (6th Cir. 2005). When an administrator

“focuse[s] on slivers of information that could be read to support a denial of coverage and

ignore[s]—without explanation—a wealth of evidence that directly contradict[s] its basis

for denying coverage,” the administrator’s “decision-making process is not deliberate or

principled.” Conger, 474 F.3d at 265 (emphasis in original).

        Sedgwick’s decision-making process is difficult to parse. Its final denial letter

offered little analysis of Godmar’s medical records. Most of the letter is a rote recitation

of the records Sedgwick received and the steps taken by its consulting physicians. The

letter then provides a brief summary of the medical documentation—including “chronic

nerve pain,” “ongoing pain management,” and “opioid dependence with substantial

limitations”—and offers a conclusory assertion that this evidence is insufficient to

support disability benefits. But there appears to be no dispute that Godmar suffered from

continuing injuries and pain from the water-skiing accident at the time he requested

disability.   For example, Dr. Kaplan, one of Sedgwick’s reviewers, observed that

Godmar’s medical data evidenced an “extremely complex combined orthopedic and

neurological injury.” Sedgwick’s decision rested on the conclusion that the pain Godmar

suffered from these injuries would not prevent him from performing his job at HP.


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Godmar v. Hewlett-Packard Co., et al.

       This determination was contrary to the opinions of Godmar’s treating physicians,

who supported his claim.      “[P]lan administrators are not obliged to accord special

deference to the opinions of treating physicians,” and there is no “discrete burden of

explanation when [administrators] credit reliable evidence that conflicts with a treating

physician’s evaluation.” Black & Decker Disability Plan v. Nord, 538 U.S. 822, 825, 834

(2003); see also Balmert, 601 F.3d at 504. But administrators also “may not arbitrarily

repudiate or refuse to consider the opinions of a treating physician.” Glenn v. MetLife,

461 F.3d 660, 671 (6th Cir. 2006). The Supreme Court has described “the opinions of a

treating physician” as “reliable evidence” of disability. Nord, 538 U.S. at 834.

       Three of Godmar’s treating physicians informed Sedgwick that Godmar could not

perform his job at HP. Dr. Schwarz, his family physician, repeatedly documented pain in

Godmar’s left leg and certified to Sedgwick that Godmar was totally disabled in June,

July, and December 2012. Dr. Rigueras, a physiatrist, concluded that Godmar had

lumbar radiculopathy, neuropathy, and knee pain, and noted in late June 2012 that

Godmar could not “run, jump, [or] sit for long times.” In May 2013, Dr. Rigueras told

Dr. Tran, one of the consulting physicians, that Godmar would be disabled until 2014.

Dr. Rosenberg, a pain-management specialist, reported in September 2012 that Godmar

had “burning, electric shock-like, sharp, stabbing, dull, and shooting” pain that was

increased by “sitting, standing, physical activity, work activity, and lying down.” He

diagnosed Godmar with complex regional pain syndrome and described Godmar’s

symptoms as “persistent, severe, [and] disabling.” In November 2012, Dr. Rosenberg

sent Sedgwick a certification that Godmar was disabled by “consistent pain in left knee




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Godmar v. Hewlett-Packard Co., et al.

and foot with muscle spasms, numbness, tingling and weakness,” as well as “increased

pain with physical activity (sitting, standing).”

       These findings were corroborated by other treating physicians. Dr. Susan Mosier-

LaClair, an orthopedist, noted in October 2012 that Godmar had “diffuse paresthesias in

the distribution of the peroneal nerve both common and deep and superficial today from

the fibular head area or knee joint down through the foot” that “can feel like a stabbing

sensation or ice pick.” She stated that these symptoms were mainly “related to the

dyesthesias of the peroneal nerve” and recommended him for a spinal stimulator.

Dr. Holly Gilmer, a neurosurgeon, reported in December 2012 that Godmar had “pain

specifically at the fibular head on the left, and around his ankle as if there is a tourniquet”

and recorded an impression of peroneal neuropathy.            Dr. Mary Spires, a physical-

medicine specialist, noted in January 2013 that Godmar had “severe pain,” including his

left foot feeling “on fire” and “a stabbing pain like he is being penetrated with an ice

pick” in his left knee. Dr. Spires had difficulty evaluating his strength because “the pain

inhibits testing.” Dr. Spires’s impression was “neuropathic pain trauma” and she told

Godmar that there might be no “method[] of resolving his pain” and that he would likely

“have pain for the long-term and for lifetime.”

       Sedgwick apparently determined that these reports were not credible, relying on

the reports of its three consulting physicians—Drs. Tran, Kaplan, and Goldman—who

determined Godmar was not disabled.            Dr. Tran, the neurosurgeon, offered little

reasoning to support this conclusion.       His initial report, submitted April 12, 2013,

included almost no analysis. Seven of the report’s ten pages are a recitation of Godmar’s

medical history and the records submitted in support of Godmar’s claim. Cf. Elliott v.


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Godmar v. Hewlett-Packard Co., et al.

Metro. Life Ins. Co., 473 F.3d 613, 619 (6th Cir. 2006) (describing a report that consisted

mostly of findings described in earlier documentation); Kalish, 419 F.3d at 509

(describing a report that was almost entirely medical history). The remaining pages

repeatedly describe Dr. Tran’s conclusion that Godmar was not disabled because of one

record—a report of an electromyographic (EMG) study conducted by Dr. M. Nasser

Sabbagh on June 26, 2012. Dr. Sabbagh’s report, on referral from Dr. Schwarz, revealed

“left sciatic or common peroneal mononeuropathy,” which showed “significant

improvement” from an EMG study conducted in 2010. Dr. Tran concluded that Godmar

was not disabled because there was improvement in the EMG and “no evidence of

neurologic deficits.”

       Dr. Tran also spoke to Dr. Gilmer, who told him that Godmar had a “sciatic nerve

injury” and had “trouble standing” because of “severe leg pain.” Dr. Tran reported this

conversation but did not discuss it in his assessment. Dr. Tran did not explain why Dr.

Gilmer’s report that Godmar had trouble standing—or the similar reports in the medical

records—did not substantiate that Godmar was impeded from performing his job at HP;

in fact, Dr. Tran made no reference to Godmar’s job description in his analysis. Cf.

Elliott, 473 F.3d at 619 (describing a report that “offered no specific rebuttal to [a treating

physician’s] conclusions” and did not opine how the claimant’s “medical condition

related to the demands of her job”). After receiving this report, Sedgwick insisted that

Dr. Tran speak to more of Godmar’s treating physicians in May 2013. He eventually

spoke to Dr. Rosenberg, who told Dr. Tran that Godmar had “complex regional pain

syndrome” but said he “would not be able to comment on the claimant’s disability.” Dr.

Tran also spoke to Dr. Rigueras, who told him that Godmar “was disabled from lumbar


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radiculopathy, neuropathy, and knee pain.” Dr. Tran affirmed his earlier opinion, stating,

“My conversation with the attending providers did not reveal any evidence of loss of

function from the claimant’s left leg pain that would preclude the claimant’s ability to

perform his regular unrestricted occupation.”

       Dr. Kaplan, the physical-medicine specialist, offered substantially more analysis

than Dr. Tran.     In his September 2012 report, Dr. Kaplan concluded that Godmar

“appears to have residual clinical finding in his left lower extremity from both an

orthopedic and a neurological perspective,” but “these limitations would not impact the

claimant’s usual work activities per the job description,” which he described as

“essentially a desk based cognitive job.”       He did not speak to Godmar’s attending

providers, and he made little reference to the records provided by Drs. Schwarz and

Rigueras, which he described as “only partially legible.” Dr. Kaplan apparently did not

account for the fact that Godmar was required to drive between GM and HP on a daily

basis. In his April 2013 report, Dr. Kaplan again noted that Godmar had a “substantial

impairment” that would prevent him from “performing numerous types of heavy

activity,” but concluded that “[t]he overwhelming preponderance of [the] evidence

suggests that return to this claimant’s usual employment would be not only possible, but

likely therapeutic.”

       In reaching this conclusion, Dr. Kaplan placed great weight on a conversation

with Dr. Rosenberg, one of Godmar’s pain-management physicians. Dr. Rosenberg told

Dr. Kaplan that Godmar had “essentially subjective symptoms in terms of sedentary

activities” and that Godmar “often appears comfortable in the office.” They discussed

performing a functional capacity evaluation but decided that it “might be challenging to


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determine the question of sitting tolerance.”     Dr. Kaplan made no mention of Dr.

Rosenberg’s certification to Sedgwick that Godmar was unable to perform his job at HP

in November 2012 because his pain made it difficult to sit or stand.         Further, this

conversation took place in April 2013, more than ten months after Godmar applied for

disability. Dr. Rosenberg’s observation in April 2013 that Godmar could sit comfortably

did not address directly whether he was disabled in July or August 2012.

          Dr. Kaplan also relied on the report of Dr. Michael Sytniak, a psychologist who

saw Godmar in January 2013. Dr. Sytniak recommended behavioral treatment “to assist

[Godmar] in adjusting to his ongoing pain” and to “help[] him adjust to his pain and

develop a more adaptive approach to managing it.” Dr. Kaplan described this report as

suggesting “that limitations in the claimant’s ability to perform cognitive desk type work

appear to be based on subjective symptoms,” and interpreted Dr. Sytniak to suggest “that

increasing or returning to the claimant’s former level of activity may well be therapeutic

from an overall cognitive behavioral perspective.” But Dr. Sytniak’s conclusion that

Godmar could learn to adjust to his pain does not address whether Godmar was disabled

from performing his job in 2012, and Dr. Sytniak did not recommend that Godmar return

to his former level of activity.

          Lastly, the consulting physicians did not respond to Godmar’s claim that he was

disabled by the side effects of the medication prescribed to treat his chronic pain. Dr.

Schwarz noted in his June 2012 disability certification that Godmar’s medication

prevented him from performing his job at HP, and in his August 2012 appeal, Godmar

stated:

          Currently, I am not able to function in my normal personal activities or
          work activities due to the 24 hours a day morphine consumption and use

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       of Percocet. On my current meds I am restricted from driving, and I am
       sleeping up to 20 hours per day several times a week.

Dr. Schwarz observed in his August 2012 letter:

       The combination of severe trauma, multiple surgeries and use of
       prescribed medications have not only left Mr. Godmar with opiate
       addiction; it has also impacted his ability to perform daily personal tasks
       and the requirements of the job.

       Mr. Godmar has not driven an automobile since May 29, 2012. His state
       of mind at that time and through August 15, 2012 impaired his abilities to
       analyze data, provide recommendations, program management duties,
       team management, customer management and travel – all of which were
       examples of job functions related to his position at Hewlett Packard. I
       certainly cannot believe that Hewlett Packard would be accustomed or
       supportive of Mr. Godmar representing his role in this state.

Dr. Schwarz attached Godmar’s pharmacy records, which included prescriptions for

morphine on June 1, June 18, July 17, and August 13, 2012.

       Dr. Goldman, Sedgwick’s psychiatric reviewer, concluded that there was no

objective evidence that Godmar’s addiction issues prevented him from working until he

was confined in the recovery center. But Dr. Goldman did not address the effects of

Godmar’s pain medications—nor did Drs. Tran or Kaplan. Sedgwick’s final denial

similarly failed to even mention the issue.          Neither Sedgwick nor its consultants

explained how Godmar could perform a job that required him to drive between HP and

GM on a daily basis while he was prescribed a regimen of morphine that prevented him

from driving. Sedgwick’s failure to address this issue counsels in favor of finding that its

decision was arbitrary and capricious. See, e.g., Conger, 474 F.3d at 265.

                                             2.

       Sedgwick appears to have rejected the treating physicians’ clinical impressions

mainly because they relied on Godmar’s descriptions of his pain. Sedgwick made this


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judgment without conducting an independent medical examination, relying only on a file

review. We have explained that there is “nothing inherently objectionable about a file

review by a qualified physician in the context of a benefits determination.” Javery v.

Lucent Techs., Inc. Long Term Disability Plan for Mgmt. or LBA Emps., 741 F.3d 686,

702 (6th Cir. 2014) (quoting Calvert v. Firstar Fin., Inc., 409 F.3d 286, 296 (6th Cir.

2005)) (internal quotation marks omitted). However, Sedgwick had the right to examine

Godmar under the Plan, and the decision not to exercise that right “raise[s] questions

about the thoroughness and accuracy of the benefits determination.” Judge v. Metro. Life

Ins. Co., 710 F.3d 651, 663 (6th Cir. 2013) (quoting Calvert, 409 F.3d at 296) (internal

quotation marks omitted).

       File reviews are particularly troubling when the administrator’s consulting

physicians—who have never met the claimant—discount the claimant’s limitations as

subjective or exaggerated. See Calvert, 409 F.3d at 296–97. Thus, we have observed

that “reliance on a file review may be inadequate” when “the conclusions from that

review include critical credibility determinations regarding a claimant’s medical history

and symptomology.” Evans v. UnumProvident Corp., 434 F.3d 866, 878 (6th Cir. 2006)

(quoting Calvert, 409 F.3d at 297 n.6) (internal quotation marks omitted). Further, “we

will not credit a file review to the extent that it relies on adverse credibility findings when

the files do not state that there is reason to doubt the applicant’s credibility.” Bennett v.

Kemper Nat. Servs., Inc., 514 F.3d 547, 555 (6th Cir. 2008).

       Here, Sedgwick and its consulting physicians concluded that Godmar’s consistent

reports of pain were not objective evidence of disability.          Sedgwick acknowledged

Godmar’s extensive injuries and his treating physicians’ continuous documentation of


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pain in his left leg.   But the consulting physicians apparently dismissed Godmar’s

reported pain—and any corroborating diagnosis by his treating physicians—as inherently

subjective. In so doing, Sedgwick implicitly determined that Godmar’s description of his

limitations was not credible. Cf. Helfman v. GE Grp. Life Assurance Co., 573 F.3d 383,

395–96 (6th Cir. 2009) (stating that dismissing a claim as subjective is an implicit

credibility determination).

       We addressed similar situations in Smith v. Continental Casualty Co., 450 F.3d

253 (6th Cir. 2006), and Shaw v. AT&T Umbrella Benefits Plan No. 1, 795 F.3d 538 (6th

Cir. 2015). In Smith, we explained that making “credibility findings concerning [the

claimant’s] pain without the benefit of a physical exam” would “support the finding that

[the administrator’s] determination was arbitrary.” 450 F.3d at 264. And in Shaw, we

observed that the administrator “should not have made a credibility determination about

[the claimant’s] continuous reports of pain” without an examination, even under an

objective-evidence standard. 795 F.3d at 550. “Because chronic pain is not easily

subject to objective verification, the Plan’s decision to conduct only a file review

supports a finding that the decision-making was arbitrary and capricious.” Id. Like the

administrators in Smith and Shaw, Sedgwick decided that Godmar’s pain was subjective

without examining him, and that failure weighs in favor of a determination that the denial

of his claim was arbitrary and capricious.

                                             3.

       On this record, we conclude that the decision to deny Godmar’s claim for short-

term disability benefits beginning in July was arbitrary and capricious. First, Sedgwick’s

determination that Godmar could perform his job at HP from July 2, 2012, until he


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entered recovery on August 15, 2012, is an unsupported interpretation of the record.

Godmar’s severe pain and prescription medications prevented him from driving, a

requirement of his job, and Sedgwick improperly determined that Godmar’s pain

symptoms were not objective evidence of disability without a medical examination.

Further, Sedgwick also failed to adequately explain why it rejected evidence of Godmar’s

disability from August 29, 2012, when the records of his treating physicians were

completely aligned in assessing his injuries, his pain, and his limitations, through

November 5, 2012, the earliest date that Godmar’s records suggested he might not be

objectively disabled. Dr. Rosenberg’s April 2013 conversation with Dr. Kaplan may

have called Godmar’s disability into question beginning on some date to be determined

through a “deliberate, principled reasoning process,” Balmert, 601 F.3d at 501, but the

record does not reflect such a process or determination.

       Thus, “we have two options: award benefits to the claimant or remand to the plan

administrator.”   Shaw, 795 F.3d at 551.       “[R]emand to the plan administrator is

appropriate ‘where the problem is with the integrity of the plan’s decision-making

process, rather than that a claimant was denied benefits to which he was clearly

entitled.’” Cooper, 486 F.3d at 171 (quoting Elliott, 473 F.3d at 622). In this case, the

record establishes that Godmar was entitled to benefits until he was discharged from the

recovery center on August 28, 2012, because there was objective evidence of his

disability and no basis to conclude otherwise. But because we cannot say that Godmar is

“clearly entitled to benefits” after August 28, the appropriate remedy is a remand to the

district court for the “full and fair” review required by ERISA. Elliott, 473 F.3d at 622–

23. On remand, Sedgwick should remain cognizant of Godmar’s full job description,


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avoid making credibility determinations without the benefit of a physical examination,

and if it concludes that Godmar is not entitled to further benefits, explain why the

evidence proffered by Godmar’s treating physicians does not meet its objective-evidence

standard as of a particular date.

                                               IV.

       For these reasons, we VACATE the district court’s judgment and REMAND to

the district court with instructions to enter an order awarding Godmar short-term

disability benefits from July 2, 2012, to August 15, 2012, and otherwise remanding the

case to Sedgwick for a full and fair review.




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