After reporting just a few days ago about a significant victory on an ERISA case, today we are reporting on a loss from the 5th Circuit. This case is from Eastern District of Lousiana but the appeals court is the 5th Circuit which is the same appeals court for cases out of Texas and the court that Texas courts are to look to in rendering their decisions. The case is styled, Amanda C. Foster v. Principal Life Insurance Company.
Amanda worked as an attorney when she started experiencing intractable migraine headaches that made work impossible. Amanda applied to Principal for long term disability (LTD) benefits. After multiple reviews by various healthcare providers Principal denied her claim, concluding Amanda was not disabled within the meaning of the policy.
As in most disability claims, the reports from various medical providers for the claimant are voluminous and lengthy, as are the reviews by the doctors hired by the insurer to review the claim.