                           NOT FOR PUBLICATION                           FILED
                    UNITED STATES COURT OF APPEALS                       OCT 18 2019
                                                                      MOLLY C. DWYER, CLERK
                                                                       U.S. COURT OF APPEALS
                           FOR THE NINTH CIRCUIT

KELLY DEMKO,                                    No.    18-55428

                Plaintiff - Appellant,          D.C. No. 2:17-cv-02929-R-AFM

 v.
                                                MEMORANDUM*
UNUM LIFE INSURANCE COMPANY
OF AMERICA,

                Defendant - Appellee.

                   Appeal from the United States District Court
                      for the Central District of California
                    Manuel L. Real, District Judge, Presiding

                           Submitted October 15, 2019**
                              San Diego, California

Before: HURWITZ, OWENS, and LEE, Circuit Judges.

      Kelly Demko appeals the district court judgment, entered after a bench trial,

denying her claim for disability benefits under an ERISA-governed plan issued by

Unum Life Insurance Company of America. We have jurisdiction under 28 U.S.C.



      *
             This disposition is not appropriate for publication and is not precedent
except as provided by Ninth Circuit Rule 36-3.
      **
             The panel unanimously concludes this case is suitable for decision
without oral argument. See Fed. R. App. P. 34(a)(2).
§ 1291, and review for clear error. See Muniz v. Amec Constr. Mgmt., Inc., 623 F.3d

1290, 1294 (9th Cir. 2010). We affirm.

      To prevail on her claim, Demko needed to prove that she was “unable to

perform with reasonable continuity the substantial and material acts necessary to

pursue [her] usual occupation in the usual and customary way” during the coverage

period. See id. The district court did not clearly err in finding that Demko, who was

the head of human resources at Dreamworks, was able to perform her job normally

until she was terminated for non-medical reasons. Demko’s employer presented

evidence that she did not significantly change her hours, job duties, or performance

during the period of claimed disability. Treatment records from Demko’s doctor

showed that her fibromyalgia condition was improving during that period, and her

doctor first opined that she was disabled months after the coverage period ended.

See id. at 1296-98 (district court did not clearly err in denying ERISA claim where

doctor’s opinion was inconsistent with accompanying medical records); Boyd v. Bert

Bell/Pete Rozelle NFL Players Ret. Plan, 410 F.3d 1173, 1178-79 (9th Cir. 2005)

(upholding denial of ERISA claim where medical evidence could reasonably support

either party).

      Demko’s objections to the district court’s evaluation of the evidence are

unavailing. First, although the district court was not required to defer to the opinions

of Demko’s doctor, Black & Decker Disability Plan v. Nord, 538 U.S. 822, 834


                                           2
(2003), it nevertheless accorded them the “greatest weight” and did not rely heavily

on the opinions offered by Unum’s doctors. Second, an independent medical

examination was not required, particularly when Demko proffered insufficient

evidence to establish disability.    Third, the record does not support Demko’s

contention that, to deny coverage, Unum belatedly raised the circumstances of her

termination and whether she reduced her work schedule. Fourth, the district court

reasonably determined that Demko failed to show that she could not satisfy the

cognitive functions of her job. Fifth, the district court addressed Demko’s ability to

work the required hours, finding that she had not reduced her work schedule. And

finally, the district court duly considered Demko’s subjective complaints, and

reasonably concluded that they did not establish the requisite level of disability.

      AFFIRMED.




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