Orndorf v. Paul Revere Life Insurance

          United States Court of Appeals
                     For the First Circuit


No. 04-1520


                       JACOB M. ORNDORF,

                      Plaintiff, Appellant,

                                v.

               PAUL REVERE LIFE INSURANCE COMPANY,

                      Defendant, Appellee.



          APPEAL FROM THE UNITED STATES DISTRICT COURT
                FOR THE DISTRICT OF MASSACHUSETTS

          [Hon. Michael A. Ponsor, U.S. District Judge]


                             Before

                     Torruella, Circuit Judge,
                 Campbell, Senior Circuit Judge,
                    and Lynch, Circuit Judge.


     Charles Leonard Mitchell for Appellant.

     Joan O. Vorster, with whom Elizabeth L. B. Greene and Mirick,
O'Connell, DeMallie & Lougee, LLP were on brief, for Appellee.



                         April 15, 2005
           LYNCH, Circuit Judge.       This case requires us to address

what is meant by de novo judicial review under ERISA of a denial of

benefits when the ERISA plan does not preserve discretion in the

plan administrator.       That raises concomitant questions of whether

the claimant is entitled to trial in the district court and what,

if any, evidence may be admitted that is not in the administrative

record   before    the   ERISA   administrative      decision   maker.   Our

conclusion is that given the nature of the claimant's challenge

here -- that he did in fact establish his eligibility to benefits

before the ERISA decision maker -- the claimant was not entitled to

trial or to admit desired new evidence outside the administrative

record or to discovery.          Having defined the standards, we apply

them to the facts, and uphold the denial of benefits.

                                     I.

           Jacob Orndorf worked as a perfusionist, a person who

operates a heart-lung machine, for Jersey Shore Cardiac Associates,

Inc. ("Jersey Shore") from January 1, 1992 until March 29, 1995.

Defendant Paul Revere Life Insurance Company ("Revere") provides

group long-term disability insurance coverage to Jersey Shore; this

plan is an employee welfare benefit plan as defined by ERISA.

           In     June   1995,   Orndorf   started    receiving   disability

benefits for his drug dependency; under the policy, these benefits

would last only until June 26, 2000.              In 1998, Orndorf first

informed Revere that he claimed a continuation of the disability


                                     -2-
payments beyond June of 2000 based on purported back problems.

There was considerable exchange of medical information between

Orndorf and   Revere.     Revere     determined   that    Orndorf    was   not

disabled due to pain from his back, neck, ankle or hypertension.

On January 10, 2002, Revere issued a final denial of benefits and

informed Orndorf   that   he   had    exhausted   all    of   his   appellate

administrative remedies and that Revere would review no further

information; the administrative record was closed.

          In February of 2002, Orndorf1 filed suit against Revere2

in federal district court pursuant to 29 U.S.C. § 1132(a)(1)(B),

alleging that Revere unlawfully denied his claim for long-term

disability benefits due to physical limitations.               Both parties

filed motions for summary judgment.

          The district court extensively reviewed the evidence in

the administrative record, the duties of someone in Orndorf's

occupation, Orndorf's first claim (drug dependency) and second

claim (back pain) for disability, his treatment for back pain, his

capacity to work, Revere's conclusion, and Orndorf's arguments on

appeal.   The court concluded that Orndorf was not disabled due to


     1
      In several letters and papers in the administrative record,
the appellant's name is spelled "Orndorff." However, the complaint
and other papers filed in the district court and the briefs before
this court use the spelling "Orndorf," and that is the spelling we
use in this opinion.
     2
      Unum Provident was originally named as a defendant, but on
September 16, 2002, the parties stipulated that Revere was the
proper and sole defendant.

                                     -3-
back, neck, or ankle pain or hypertension under the terms of the

plan;3 "Orndorf's claim collapsed under the weight of the Record."

The court granted summary judgment to Revere on March 17, 2004.

Orndorf v. Paul Revere Life Ins. Co., No. 02-30024 (D. Mass. Mar.

17, 2004).

                                     II.

A.   The Policy

             The Revere long-term disability policy at issue provides

benefits in certain situations, including when an individual is

totally disabled from performing the duties of his or her own

occupation.     Total disability for the purposes of Orndorf's policy

means:

             a. that because of injury or sickness the
             employee cannot perform the important duties
             of his own occupation; and b. the employee is
             under the regular care of a doctor; and c. the
             employee does not work at all.

             The   policy   also   defines   Revere's   obligation   to   pay

benefits to the employee:

             [Revere] pay[s] monthly total disability
             benefits to an employee if he becomes totally
             disabled while insured due to injury or
             sickness. The employee must be under the care
             of a doctor while totally disabled. . . .
             During any continuous period of disability
             immediately   following   completion  of   the
             employee's elimination period, but before the
             end of his benefit period, [Revere] pay[s] the
             employee a monthly total disability benefit
             for each whole month in which he is totally


     3
         The hypertension claim has been dropped on appeal.

                                     -4-
          disabled from his own occupation.      If the
          employee works other than full-time at his own
          job, he may qualify for monthly residual
          disability benefits.

B.   Orndorf's First Claim for Disability

          In May of 1995, Orndorf submitted his first claim to

Revere for disability benefits for a "drug related" sickness,

following hospitalization for a drug overdose.

          Revere evaluated Orndorf's records to determine whether

he was totally disabled due to drug disability under the plan, and

on August 24, 1995, Revere informed Orndorf that it had approved

his claim under the "Other Limitations" provision of the Policy and

that his benefits period would expire on June 26, 2000.4

          Although Orndorf is no longer receiving payments for this

disability, his drug and psychiatric illnesses continue to preclude

him from returning to his job as a perfusionist.5    One might ask


     4
      The plan contains special limitations for "any disability
caused or contributed to by a psychiatric condition, alcoholism or
drug abuse," such as Orndorf's disability. First, "an employee
will be considered to be disabled [under the policy] only if he is
satisfactorily participating in a program of treatment or
rehabilitation approved by us."       Second, for this kind of
disability, benefits are limited: "benefits are payable for up to
sixty months whether or not the employee is hospital confined.
After sixty months, subject to all other policy provisions,
[Revere] pay[s] benefits only if the employee continues to be
hospital confined due to the disability."
     5
      As the district court found, "it is undisputed that
[Orndorf's] drug dependency will be a lifelong condition and will
prevent Orndorf from ever returning to his occupation as a
perfusionist . . . ." This is consistent with the evidence in the
administrative record, including Orndorf's own admission. Orndorf
stated, "[A]ddiction is a lifetime illness, this means limiting my

                               -5-
why, if Orndorf is disabled anyway from doing his job as a

perfusionist, there is any issue about whether he is also disabled

by his back condition.        There are two answers.        The first is that

Revere's statement of reasons as to why it denied benefits is that

(1) the benefit period for the drug dependency disability had

expired     and   (2)   the    information   provided       did   not   support

eligibility for disability under any other provision of the plan.

Revere is limited to the grounds of denial it articulates to the

claimant.    See Glista v. Unum Life Ins. Co., 378 F.3d 113, 128-29

(1st Cir. 2004).        Second, Orndorf cites to a provision in the

policy    that    provides    for   circumstances   where    an   employee   is

disabled by more than one injury or sickness:

            If a Disability is caused by more than one
            Injury or Sickness, or from both, We will pay
            benefits as if the Disability was caused by
            one Injury or Sickness. . . . We will pay the
            larger benefit.

Revere has not disputed the applicability of this provision to

Orndorf's case.




access to medications for ever [sic]. . . . [I] would love to work
again in the [medical] field, but my illness makes this
impossible."
     On appeal, Orndorf in his brief suggests that perhaps he could
return to his work as a perfusionist despite his addiction.
Orndorf cites to several websites which he states give examples of
and information about health care providers recovering and
returning to practice.     This information was not before the
administrator and was not admitted by the district court. We note
but do not consider it.

                                       -6-
           There is no real dispute that Orndorf was paid the

benefits   owed     for   his   first    disability   claim   due   to    drug

dependency.6   The question is whether he was disabled within the

meaning of the policy for his alleged back condition, his second

claim for disability.

C.   Orndorf's Second Claim for Disability

           Although Orndorf says his history of back pain dates back

to 1976, Orndorf first claimed disability on account of his back

pain in June of 1998, when a Revere field representative met with

Orndorf at his home on an unannounced visit.            During this visit,

Orndorf claimed that his chief disabling condition was his back and

that therefore the disability payments should continue beyond June

of 2000.    Soon thereafter, Revere obtained Orndorf’s complete

Social   Security    Disability    Insurance   Appeal   decision    and   his

medical records.

           In December of 1999, the insurer issued its original

decision on this second claim, and Orndorf was told that his

benefits were denied:


     6
      Before the district court, Orndorf argued that Revere’s
termination of his benefits for his drug related disability was
arbitrary and in breach of Revere's fiduciary duty. The district
court summarily rejected this argument, noting that "no evidence in
the Record indicates that Paul Revere failed to pay Orndorf the
full amount of the benefits owed to him as a result of his initial
disability claim based on drug dependency." The district court
concluded, "there is no merit to Orndorf's claim that Revere's
decision to 'terminate' his benefits was arbitrary, capricious, and
in breach of a duty of good faith and a fiduciary duty." Orndorf
does not raise this issue or dispute this finding on appeal.

                                        -7-
         In the regular course of administering your
         claim, we conducted a review of all of your
         medical records. As a result of this review,
         it is our opinion that you are not precluded
         from performing the duties of your job or one
         similar in nature.

         You alleged that you could not work due to
         chronic low back pain and advised your doctor
         on June 23, 1998 that your activities were
         limited and you remained indoors most of the
         time. However, on June 11, 1998, you reported
         you had been on a long bike ride. There seems
         to be some discrepancy between your related
         history and limitations and your actual level
         of activities and your performance.

         We found no evidence of back problems or
         hypertensive care during the year 1998.
         Consequently, it is our opinion that your only
         disabling condition has been depression and
         substance abuse.   Therefore, your claim has
         been administered and paid under the Other
         Limitations provision of the policy.

          In October of 2000, on the first review of its denial,

the insurer advised Orndorf:

         We have received your letter dated October 3,
         2000 including a letter from Dr. Gilbert.
         Your entire claim file was sent to our medical
         department for review, the review included the
         following records:   medical review from Dr.
         Bianchi, medical packet from you backdated
         8/31/00, letter from Dr. Rund dated 11/1/97, a
         functional capacity form completed by Dr.
         Gilbert, CT lumbar spine dated 3/8/00 and x-
         rays of spine and cervical dated 5/12/00.

          At this time it is our opinion that in order
          to fully evaluate your physical limitations
          and restrictions we need additional objective
          information. This information should include
          reports of your last examination from the
          reported date of your illness and updated
          physical examinations.


                               -8-
          On August 23, 2001, the insurer affirmed its denial of

benefits on the basis that:

          These records were reviewed by one of our in-
          house physicians.   This physician is Board-
          Certified in Internal Medicine.       We have
          determined that based on [] Mr. Orndorf's
          medical records that there was no basis for
          hypertensive impairment, and no evidence of
          persistent impairment producing limitations or
          necessitating restrictions from Mr. Orndorf's
          maxillary   sinusitis   and   cervical   spine
          complaints.

          Thereafter, at Ordnorf's request, the insurer considered

additional evidence and on January 10, 2002, reaffirmed its denial

in a final review:

          Since additional information was submitted,
          Mr. Orndorf's file was forwarded to the
          medical department for review. According to
          the Board-Certified Physician in Internal
          Medicine, he concludes the following:

          a) Primary psychiatric impairment at the date
          of disability with persistence demonstrated
          through much of the claim period without
          adequate    objective     documentation    of
          persistence   to  or   beyond   the  12/21/99
          determination letter

          b)No   objective   basis   for    hypertensive
          impairment     producing    limitations     or
          necessitating restrictions at or below a high-
          level medium workload

          c)Degenerative disc disease of the lumbar
          spine    with    intermittent     symptomatic
          exacerbations without evidence of continuous
          or persistent ongoing impairment through the
          life of the claim, at or about the 12/21/99
          determination letter, or subsequently

          d)Post-traumatic   ankle  pathology   without
          objectively    demonstrated    standing    or

                               -9-
          ambulatory impairment during the course of the
          claim beyond transiently associated with the
          11/99 sprain and specifically without evidence
          of continued or persistent impairment from the
          12/21/99 determination letter up to the 5/3/00
          rating examination

          e)No objective evidence of continued or
          persistent impairment producing limitations
          necessitating restrictions from the claimant's
          maxillary   sinusitis   and   cervical   spine
          complaints.

          Based on the information in the claim file,
          the denial of benefits in Mr. Orndorf's case
          is appropriate.

          Orndorf then filed suit in the district court.

                                  III.

          On appeal, Orndorf raises several challenges to the

district court's decision, arguing the district court erred by (1)

failing to use de novo review in ruling on the cross motions for

summary judgment; (2) denying Orndorf's request for discovery and

leave to submit additional evidence; (3) denying Orndorf's motion

for summary judgment or, in the alternative, in failing to find a

material dispute of fact which would have defeated Revere's motion;

and (4) not awarding Orndorf interest, attorney's fees, and costs.

If Orndorf is wrong about the first three claims, the fourth

necessarily fails.

          Both parties agree that de novo review by the district

court of a plan administrator's decision to deny benefits under an

ERISA plan is proper under Firestone v. Bruch, 489 U.S. 101, 115

(1989),   where   the   plan   does   not   grant   discretion   to   the

                                  -10-
administrator.7   The   overarching   question   is   what    exactly   is

entailed in de novo review.

A.   Appellate Standard of Review

           We quickly put aside one issue about the scope of our

appellate review. Because the case was decided on summary judgment

in the district court, the standard of review used by this court to

review the district court's decision is de novo.        See    Fenton v.

John Hancock Mut. Life Ins. Co., 400 F.3d 83, 87 (1st Cir. 2005).

This includes our engaging in non-deferential review of the legal

question of the proper content of the district court's de novo

review of a plan administrator's determination, as that term is

used in Firestone v. Bruch, 489 U.S. at 115.

           The review utilized both by this court and the district

court in this ERISA case differs in one important aspect from the

review in an ordinary summary judgment case.     As we noted in Liston

v. Unum Corp. Officer Severance Plan, 330 F.3d 19 (1st Cir. 2003),

in an ERISA case where review is based only on the administrative

record before the plan administrator and is an ultimate conclusion

as to disability to be drawn from the facts, summary judgment is

simply a vehicle for deciding the issue.     Id. at 24.       This means

the non-moving party is not entitled to the usual inferences in its


     7
      Firestone held that "a denial of benefits challenged under §
1132(a)(1)(B) is to be reviewed under a de novo standard unless the
benefit plan gives the administrator or fiduciary discretionary
authority to determine eligibility for benefits or to construe the
terms of the plan." Firestone, 489 U.S. at 115.

                               -11-
favor. Id.   When there is no dispute over plan interpretation, the

use of summary judgment in this way is proper regardless of whether

our review of the ERISA decision maker's decision is de novo or

deferential.8

B.   Content of De Novo Standard of Review

          Plaintiff's argument as to the proper content of the

district court's de novo review is based on the second paragraph of

Firestone's holding, set forth below:

          As this case aptly demonstrates, the validity
          of a claim to benefits under an ERISA plan is
          likely to turn on the interpretation of terms
          in the plan at issue.
          Consistent with established principles of
          trust law, we hold that a denial of benefits
          challenged under § 1132(a)(1)(B) is to be
          reviewed under a de novo standard unless the
          benefit plan gives the administrator or
          fiduciary discretionary authority to determine
          eligibility for benefits or to construe the
          terms of the plan.

Firestone, 489 U.S. at 115 (emphasis added).

          Firestone makes it clear that in such situations of

dispute over the meaning of plan language, no deference is given to

the administrator's interpretation of the plan language.   Rather,


     8
      To the extent Radford Trust v. First Unum Life Insurance
Company of America, 321 F. Supp. 2d 226, 239 (D. Mass. 2004),
suggests otherwise, we disagree.    It cites to Hughes v. Boston
Mutual Life Insurance Company, 26 F.3d 264, 268 (1st Cir. 1994), a
case concerned with the different issue of application of summary
judgment rules to interpretation of ambiguities in an ERISA
contract.   Id. at 270.    For a discussion of the interplay of
contract and summary judgment rules, see McAdams v. Massachusetts
Mutual Life Insurance Company, 391 F.3d 287, 298-300 (1st Cir.
2004).

                               -12-
the court interprets the plan de novo, and applies the normal rules

for contract interpretation.     See Hughes v. Boston Mut. Life Ins.

Co., 26 F.3d 264, 267-68 (1st Cir. 1994).        In this case, there is

no dispute about interpretation of the plan terms presented on

appeal.9   Thus there is no occasion to consider the use of outside

evidence to assist the court in interpreting plan language.            There

is also no dispute over what the plan documents are. Cf. Fenton,

400 F.3d at 87-89.   But literally read, Firestone's de novo review

language is   broader,   and   also   includes   a   conclusion   to   deny

benefits based on a set of facts, such as Revere's conclusion here.

           From Firestone's de novo review language, Orndorf makes

several arguments.

           Orndorf argues that the district court erred by giving

deference to the administrator's decision.       The correct standard,

he argues, is "whether, upon a full review of the administrative



     9
      Orndorf asserts in his brief that Revere applied the wrong
standard of total disability by stating in its first denial of
Orndorf's disability claim that "it is our opinion that you are not
precluded from performing the duties of your job or one similar in
nature." (emphasis added). But Orndorf makes no serious argument
that Revere misinterpreted the policy or that Revere ultimately
applied this definition of disability as opposed to the one which
requires that Orndorf cannot perform the important functions of his
own profession. It is clear that this is the definition Revere
applied in making its final determination that Orndorf was not
entitled to disability. In the September 2000 review by Revere,
the reviewer was specifically asked whether the insured was
precluded from performing the duties of his own occupation, which
was listed as perfusionist.    In the August 2001 review, Revere
asked what the reviewer's prognosis was for Orndorf's return to
work; his occupation was listed as perfusionist.

                                 -13-
record, the decision of the administrator was correct."                We agree

with this standard and disagree that the district court used any

other standard.

            Orndorf next argues that if the administrative record

shows any    conflict   in   views    among   the   doctors,    then    summary

judgment must be denied.     Orndorf may be arguing that on review of

an administrative record through summary judgment the court must

relieve him of his burden of proving he is disabled because under

summary judgment all inferences are drawn against the movant.                We

have already rejected this argument in Liston, 330 F.3d at 24, and

we apply Liston to de novo review, as noted above.             Alternatively,

Orndorf may be arguing that a court faced with an administrative

record with conflicting medical opinions should then hold a trial

with witnesses to resolve the disputes.         He filed a motion to that

effect, which was denied by the district court.                The court was

correct to deny the motion.          Trial is not warranted because the

record shows one doctor's diagnosis disagrees with another's, and

the fact that judicial review is de novo does not itself entitle a

claimant to a trial or to put on new evidence.10




     10
      By analogy, we have held where review (under an arbitrary and
capricious standard) is based on an administrative record and no
additional evidence is considered, jury trials are not available.
See Recupero v. New Eng. Tel. & Tel. Co., 118 F.3d 820, 831 (1st
Cir. 1997). Again, the change in standard of review from arbitrary
and capricious review under Recupero to de novo review in this case
makes no difference.

                                     -14-
          Some courts have stated that "factual findings" made by

the administrative decision maker are reviewed de novo and have

suggested that this warrants the introduction of new evidence to

the trial court, perhaps in the form of an evidentiary hearing or

a trial de novo.   See Luby v. Teamsters Health, Welfare, & Pension

Trust Funds, 944 F.2d 1176, 1184-85 (3d Cir. 1991).    Where review

is properly confined to the administrative record before the ERISA

plan administrator, as we explain below is the case here, there are

no disputed issues of fact for the court to resolve.

          Review of the ultimate conclusion of whether the evidence

supports the finding of a disability does not itself warrant

introduction of new evidence about historical facts.    See Masella

v. Blue Cross & Blue Shield, Inc., 936 F.2d 98, 104 (2d Cir. 1991).

Nor does it warrant calling as witnesses those persons whose

opinions and diagnosis or expert testimony and reports are in the

administrative record.   Rather, de novo review generally consists

of the court's independent weighing of the facts and opinions in

that record to determine whether the claimant has met his burden of

showing he is disabled within the meaning of the policy.   While the

court does not ignore facts in the record, see Recupero v. New Eng.

Tel. & Tel. Co., 118 F.3d 820, 830 (1st Cir. 1997), the court

grants no deference to administrators' opinions or conclusions

based on these facts.




                                -15-
            One guiding principle in conducting de novo review of

this ultimate conclusion is that it is the plaintiff who bears the

burden of proving he is disabled.        See Terry v. Bayer, 145 F.3d 28,

34   (1st   Cir.   1998)   (insured    bears    burden   of   making   showing

sufficient to establish a violation of ERISA); GRE Ins. Group v.

Met. Boston Hous., 61 F.3d 79, 81 (1st Cir. 1995).

C.   Extra-Administrative Record Evidence

            Orndorf also argues that the trial judge should have

admitted evidence outside of the administrative record on the

question of whether he was disabled.            He argues the trial court

erred:

            in denying [him] leave to submit evidence of
            significant weight gain of 80 pounds, medical
            records of his need for gastronomy for weight
            loss, records of his prescribed pain killers
            for pain reduction such as oxycodene and
            clonazepon, a MRI showing disc change and
            nerve compromise, and a medical report from
            Dr.   Marc   Linson,  an   orthopedic   spine
            specialist, who examined Orndorf and his
            records and opined that he was disabled on
            January 10, 2002, the date of Revere's denial
            and at the time of the examination one year
            later.

Not only do we reject Orndorf's claim that it was error for the

court to exclude such extra-record medical evidence, but we hold it

would have been error for the court to have admitted such evidence.

            The decision to which judicial review is addressed is the

final ERISA administrative decision.           It would offend interests in

finality and exhaustion of administrative procedures required by


                                      -16-
ERISA to shift the focus from that decision to a moving target by

presenting    extra-administrative   record   evidence   going   to   the

substance of the decision.     Liston, 330 F.3d at 24.      There is no

claim Orndorf was denied an opportunity to present evidence to the

administrator.      Here, the plaintiff had ample time to collect

records and had two administrative appeals reviews of his claims by

Revere.   Even if the new evidence directly concerned the question

of his disability before the final administrative decision, it was

inadmissible.

           Furthermore, the final administrative decision acts as a

temporal cut off point.     The claimant may not come to a court and

ask it to consider post-denial medical evidence in an effort to

reopen the administrative decision. The evidence Orndorf sought to

introduce is of this character.

             As this court noted in Liston, the focus of judicial

review, under the arbitrary and capricious standard, is ordinarily

on the record made before the administrator and at least some very

good reason is needed to overcome that preference.       Id. Liston did

not resolve the question of whether the same rule applies when

there is de novo review, but did note that even in de novo review

cases it was:

             at least doubtful that courts should be in any
             hurry to consider evidence or claims not
             presented to the plan administrator . . . .
             Exhaustion of remedies principles point in
             this direction even if no deference were due
             to the administrator's determination, assuming

                                 -17-
              always   that   the    plan   empowered   the
              administrator to make an initial decision.

Id. (citation omitted).

              We hold that the Liston rule about admissibility of

evidence outside the administrative record applies even when the

denial of benefits is subject to de novo review.                Whether evidence

is admissible turns on the nature of the challenge to the decision;

the answer to the question is not likely to turn on whether the

standard of judicial review is de novo or arbitrary and capricious.

The   focus    of   the   review    under     de   novo    review   is   still   the

administrator's decision and must ordinarily be based on the

administrative record.

              There may be times when it is appropriate for courts to

hear new evidence.        Where the challenge is not to the merits of the

decision to deny benefits, but to the procedure used to reach the

decision, outside evidence may be of relevance.                     For example,

evidence outside the administrative record might be relevant to a

claim of personal bias by a plan administrator or of prejudicial

procedural      irregularity       in   the    ERISA      administrative    review

procedure.     See id. at 23.      We need not catalogue the situations in

which new evidence is admissible, other than to note it is more

obviously relevant when the attack is on the process of decision

making as being contrary to the statute than on the substance of

the administrator's decision.           Also, evidence may be relevant to

explain a key item, such as the duties of the claimant's position,

                                        -18-
if   that   was   omitted      from    the   administrative    record.        Such

explanatory extrinsic evidence was admitted by the district court

in this case; Revere has not disputed this admission.

            Other     courts    have     suggested   various       measures    for

evaluating the admissibility of such extra-administrative record

evidence.    See, e.g., Quesinberry v. Life Ins. Co. of N. Am., 987

F.2d 1017, 1023-25 (4th Cir. 1993) (en banc).                 But we need only

note, not decide the issue.            The evidence here was inadmissible,

inter alia, because the other evidence plaintiff advances is

largely evidence collected after or evidence of his condition after

Revere's final decision on January 10, 2002.

D.   Discovery

            Orndorf    also    argues    the   district   court     should    have

provided him with discovery "to determine whether the Revere claim

staff and medical reviewers followed procedure and were properly

educated, trained and qualified."

            The   district     court    invited    Orndorf    to   make   a   more

specific showing of the pertinence of the request, but he did not.

The court was correct to deny discovery.               There was no serious

claim of bias or procedural misconduct toward Orndorf.                As we said

in Liston, "at least some very good reason is needed to overcome

the strong presumption that the record on review is limited to the

record before the administrator."            Liston, 330 F.3d at 23.      This is




                                        -19-
true as to discovery as well, regardless of whether the standard of

review is de novo or deferential.

                                       III.

             Turning    to   review    of   the   record,   we     summarize   the

evidence.

A.   The Duties and Job Requirements of a Perfusionist

             In 1995, in connection with his first disability claim,

Orndorf filed an occupational report with Revere detailing the

physical demands of his job.           He noted that he frequently had to

stoop and bend; occasionally had to reach above his shoulder level;

continuously needed manual dexterity; occasionally had to lift 50

pounds; never had to carry; and had to both sit and stand for 5

hours.      He described his most important or essential function as

"operating a heart lung machine during open heart surgery," and he

left     blank   the   space    for    "additional      comments    on   physical

requirements."         Revere   does    not   dispute    that    Orndorf's     "own

occupation" was that of a perfusionist, and does not dispute his

characterization of the physical requirements of his job.

             An Employability and Earning Capacity Evaluation11 which

was admitted into evidence by the district court describes the job

of a perfusionist:




       11
      The district court admitted this report only for the limited
purpose of clarifying the duties of a perfusionist, and struck
other portions of the report.

                                       -20-
            Sets up and operates heart-lung machine in
            hospital to take over functions of patient's
            heart and lungs during surgery or respiratory
            failure. Reviews patient medical history and
            chart, and consults with surgeon or physician
            to obtain patient information needed to set up
            heart-lung machine and associated equipment.
            Selects, assembles, sets up, and tests heart-
            lung machine to ensure that machine and
            associated equipment function according to
            specifications.   Operates heart-lung machine
            to regulate blood circulation and composition,
            to administer drugs and anesthetic agents, and
            to control body temperature during surgery or
            respiratory failure of patient. Monitors and
            observes operation of heart-lung machine and
            patient's physiologic variables such as blood
            temperature, blood composition, and flow rate,
            and adjusts equipment to maintain normal body
            functions. Cleans and adjusts parts of heart-
            lung machine.

            The report classifies the perfusionist's job as "medium

work" according       to    the   Department     of   Labor,    meaning    that   it

involves exerting 20 to 50 pounds of force occasionally, and/or 10

to 25 pounds of force frequently.             The report notes that the job

involves lifting filled blood lines and buckets of ice weighing up

to   50   pounds.     The    other    physical    demands      include    stooping,

occasionally;       crouching,       occasionally;     reaching,     constantly;

handling, constantly; fingering, constantly; feeling, occasionally;

and talking, frequently.

B.   Evidence in the Record of Orndorf's Back, Neck, and Ankle Pain
     and Treatment:

            Orndorf first sought treatment for back pain in 1976.

While serving in the Air Force, he sought treatment in September of

1978 at the Andrews Air Force Base Spine Clinic and in July of

                                       -21-
1979, after injuring himself while jumping out of a moving car.               X-

rays taken in July of 1979 indicated that he had 50 percent loss of

disc space between L4-L5 in       his spine.         The next record of

treatment for back problems was on October 23, 1992, approximately

ten months after Orndorf started as a perfusionist at Jersey Shore.

At this visit, he complained of "recent low back pain" after he

weight lifted 350-400 pounds.

           In December 1993, Orndorf had an MRI of his lumbar spine.

The radiologist report noted that "[t]here is a central and left

sided disc herniation at the L4-L5 level.          There are degenerative

disc changes of this disc with a decrease in the disc space height

and some loss of signal intensity of the disc."           The impression of

the radiologist was "central and left sided disc herniation with

prominent degenerative changes at the L4-L5 level.              No evidence of

lumbar spinal stenosis."

           In January of 1994, Orndorf sought medical attention for

low back pain.     The treating physician noted that Orndorf had

"[a]dvanced degenerative changes with small disc fragment at 4-5

interval   with   secondary   changes   at   the    3-4    interval."         He

recommended   "strong   rehabilitative   program"         and    a   series   of

epidural injections.    Orndorf claims to have received a series of

three epidurals at Jersey Shore Medical Center, although there are

no medical records of these treatments.      On March 8, 1995, Orndorf

went to a clinic complaining of chronic low back pain, which he


                                 -22-
claimed was aggravated from standing and walking.          He was offered

an orthopedic evaluation and a rehabilitation/medical evaluation,

both of which he declined; he accepted a prescription for percocet.

             From March 29, 1995 to April 3, 1995, Orndorf again

complained of back pain during his stay at the Cooley Dickson

Hospital Psychiatric Program, where he was hospitalized after a

drug overdose.      The   discharge   summary   noted    that   during   his

hospitalization, Orndorf complained of back pain, but this pain was

"found to be controllable with Tylenol and stretching exercises."

             There is no evidence that Orndorf was treated for or

experienced low back pain after his release from the hospital in

April of 1995 to June of 1996.

             In June 1996, Orndorf was involved in a slow speed car

accident and complained of low back strain.        While a Lumbosacral

Spine exam showed narrowing of the L4-L5 disc, possibly with

associated spinal stenosis or disc herniation, the radiologist

thought it "very unlikely" to be related to the car accident.

             In September 1996, Orndorf was again treated for back

pain,   at   the   Veterans   Administration    ("VA")    Medical   Center

complaining that he could not stand for more than half an hour.

The impressions of the physician seeing Orndorf included "chronic

low back pain" and herniated discs between L4 and L5.           Orndorf was

referred to physical therapy and rehabilitation; the recommended




                                  -23-
plan included weight reduction and use of a TEN's unit (a portable

physical therapy device) for a period of four weeks.

          Orndorf then started a course of physical therapy and

pain treatments.        During    the   September      30,    1996   session,   he

reported that the TEN's Unit worked "great."             On October 31, 1996,

Orndorf was treated with an epidural block.                     He reported he

obtained 2-3 months relief with past epidural blocks.                On November

5, 1996, he again reported good results from the epidural block,

and on December 6, 1996, his physician noted that his low back pain

was stable.

          There    is   no   evidence      that   he    was    treated   for    or

experienced low back pain from November 1996 to December 1997, with

the exception of a letter from a physician stating that Orndorf was

unable to perform a stress test because of low back pain.

          On December 4, 1997, Orndorf was treated again for

complaints of low back pain.        He was to receive an epidural block

and have physical therapy for a few weeks.              He went for physical

therapy on December 5, 8, 11, and 15, 1997, but did not show up for

his appointments on December 17, 19, and 22.                 The treatment plan

was terminated on December 22 due to his failure to keep his

appointments.

          On January 9, 1998, Orndorf saw an orthopedist.                 On the

questionnaire form, he indicated that he had experienced back pain

"off and on" since 1976.         He noted that he could not stand for a


                                    -24-
long time and that the pain was severe.        However, he also indicated

that pain medicines, arthritis medicines, physical therapy, heating

pads, nerve stimulation, and cortisone injections all "improved"

his back pain.     The orthopedist's form indicated that in general,

Orndorf appeared healthy, and that epidurals gave him "2 months to

a year's relief - pain comes back gradually."             The orthopedist

noted the "good results of epidural injections."

          On   June   23,    1998,   Orndorf   informed   a   Revere   field

representative that his addiction and his bi-polar disorder were

well controlled.    He noted that he was aware his benefits for this

disability would end, but that his chief disabling condition was

his back and that his claim for long term benefits would extend

beyond the 60 months.

          On July 27, 1998, Orndorf again visited a doctor with

complaints of low back pain.         The treatment included continuing

physical therapy and referral to a pain clinic for an epidural

block.   Orndorf reports that in the summer and fall of 1998, he

went to the VA pain clinic for three epidurals.

          From August 1998 to June 1999, there is no record of

Orndorf being seen by a physician or receiving any treatment for

low back pain.     At the end of June 1999, he once again went to a

physician with a chief complaint of low back pain.             Dr. Richard

Norris noted that the most likely origin of the low back pain was

an accident in 1976.        Dr. Norris noted severe narrowing in disc


                                     -25-
space and disc herniation.            The doctor observed that Orndorf's

"gait    is    minimally   antalgic    on    the   left.    He   has   moderate

restriction of range of motion of the lumbar spine."               Dr. Norris

noted that Orndorf had a "severe discogenic disease at L4-5."

              Orndorf claims that in November of 1999, his back pain

caused him to fall down the stairs and that he was seen at the VA

clinic.       There are no documents verifying this event.

               On January 23, 2000, Orndorf went to the VA clinic after

regular office hours with a complaint of back pain exacerbation

from standing too long.        The physical examination revealed that he

had mild tenderness in the mid-lumbar area, no fluctuance, no

radiation, and normal gait. The examiner noted no evidence of back

muscular spasms. The examiner offered Motrin to the patient, which

was refused.      The examiner told Orndorf that he could not schedule

a CT Scan and informed Orndorf that due to the chronic nature of

this problem, he should contact his primary care physician the next

morning, who might better be able to serve him.            The examiner noted

that Orndorf was upset when he could not receive narcotics after

hours.

               Orndorf did schedule a CT Scan with the VA Medical

Center, which was performed on March 8, 2000.              The radiologist's

impressions      from   the   scan   were    "[m]oderate   degenerative    disc

disease [at] L4-5 causing mild central spinal stenosis."




                                      -26-
           In contrast to the extensive medical records of Orndorf's

treatment for back problems, the record contains little evidence of

Orndorf's neck or ankle problems.           Orndorf broke his ankle in 1974

while serving in the Air Force.                In 1999, he sprained the same

ankle, but was physically impaired only briefly.             A CT scan report

of Ordnorf's ankle dated May 4, 2000 notes, "marked narrowing of

the talotibial joint . . . degenerative changes with spurring and

sclerosis involving the distal tibia[,] . . . the medial and

lateral malleolus . . . and plantar clacaneal spurring."

           As   for     his    neck    pain,     Orndorf suffered a cervical

fracture   in   1978,    and    a     cervical   strain   associated   with   an

automobile accident in June 1996.              A report of an X-ray taken on

Orndorf's neck on May 12, 2000 states "cervical spondylosis at the

C5-C6 level with mild encroachment of the intervertebral formina

[and] loss of normal cerival curvature compatible with muscle

spasm."

           There is no additional evidence for treatment of back,

neck, or ankle problems.

C.   Evidence in the Record of Orndorf's Physical Limitations and
     Capacity to Work

           In May of 1995, when Orndorf submitted his first claim

for disability, he did not report back pain or any other physical

limitation that affected his ability to perform his job as a

perfusionist.    He noted that his only sickness was "drug related,"

and in response to the question of how the "disability [has]

                                        -27-
interfered with the performance of the job? . . . Please describe

sitting,    standing     and   walking      requirements     and     limitations,"

Orndorf wrote only, "judgment."             The physician who completed the

Attending Physician's Statement ("APS") for the first claim also

did not identify any physical limitations on Orndorf's capacity to

work.

            In his evaluation for vocational rehabilitation on June

26, 1995, Orndorf reported that he had no physical disabilities,

but did suffer from hypertension.               Also, in December of 1995,

Orndorf    told   a   Revere       claims   department      agent    that   he    was

interested in working and that he would do laborer work, but not

forever.     On   March    12,     1998,    Orndorf   was   "think[ing]      about"

returning   to    work    as   a    perfusionist,     and    in     an   April   1998

psychotherapy session he was "struggling with work issues . . . as

he starts to cope with the idea of his insurance getting cut off

eventually."

            Orndorf's psychotherapy notes of June 11, 1998 reference

his recent long bicycle ride and sweat lodge ceremony and note that

he was engaging in physical activities.           On June 23, 1998, a Revere

field representative observed that Orndorf had a bike or ski rack

on the top of his car and lived in a second floor walk up

apartment; however, the only outdoor activity that Mr. Orndorf

admitted to was taking short walks.            Orndorf's psychotherapy notes

on July 2, 1998 indicate that he had been on "some bicycle trips."


                                       -28-
          On September 22, 1998, a Social Security Administrative

Law Judge ("ALJ") found that Orndorf was "entitled to a Period of

Disability commencing March 28, 1995, and to Disability Insurance

Benefits under Section 216(i) and 223, respectively, of the Social

Security Act."      The ALJ relied on the findings of the April 1996

and November 1997 physical examinations of Orndorf by Dr. Tonelli,

a Disability Determination Services staff physician.              Dr. Tonelli

found that Orndorf's low back pain was severe.               He assessed that

Orndorf retained the ability to lift and carry up to 10 pounds

frequently and 20 pounds occasionally; sit, stand, and walk without

restriction; and perform unlimited pushing and pulling.                    Dr.

Tonelli believed that Orndorf could perform occasional climbing,

balancing, stooping, kneeling, crouching, and crawling.                 Another

Disability    Determination      Services   staff    physician,    Dr.    Oscar

Cartaya, concurred with the opinion of Dr. Tonelli except he found

the claimant could perform frequent balancing, kneeling, crouching,

and crawling.

          The ALJ determined that due to a combination of back

impairment, hypertension, cardiac impairment, bipolar disorder, and

a mixed personality disorder, Orndorf had impairments which made it

impossible for him to return to his former employment or make an

adjustment to other work, as of March of 1995.

             The   ALJ   found   that   "as   a     result   of   his    mental

impairments, [Orndorf] would be markedly limited in his ability to


                                    -29-
complete a normal workday and workweek without interruptions from

psychologically    based    symptoms    and   moderately   limited    in   his

ability   to   maintain    attention    and   concentration    for   extended

periods and to perform at a consistent pace without an unreasonable

number and length of rest periods."             She also found physical

limitations consistent with Dr. Tonelli's analysis.            The ALJ noted

that Orndorf's drug addiction was "not a contributing factor

material to the determination of disability."

           Orndorf's APS of August 1998, which was signed by Dr.

Hashimi, Orndorf's psychiatrist, states that Orndorf is totally

disabled from his job and has been totally disabled from July 13,

1979 to the present.      The diagnosis listed is bipolar disorder.         On

November 18, 1998 Revere received the last APS regarding Orndorf,

also from Dr. Hashimi.       The space for diagnosis was left blank.

Orndorf's November 24, 1998 psychotherapy note indicates that one

of his hobbies was exercising.

           In June 1999, Orndorf reported to Dr. Norris that he

rides a bicycle one to two times a week for two to three hours, and

that during the past several years he had received six to seven

epidurals with varied results.         These would bring him relief up to

three to four months.

           On October 3, 2000, Orndorf submitted to Revere a letter

from Dr. Mark Gilbert dated September 12, 2000.               The letter was

addressed "To Whom It May Concern" and read as follows:


                                   -30-
           Jacob Orndorf is a 45 year-old man disabled
           because of back pain.    He first injured his
           back in 1976.     Since then, he has seen a
           variety of specialists and has had a variety
           of treatments for progressive incapacitating
           back pain.    At this time, he says that he
           cannot stand more than a few minutes, cannot
           sit for over half an hour, and has to lie down
           several times during the day because of pain.
           MRI done in 1993 shows central and left-sided
           disc herniation with prominent degenerative
           changes at the L4-L5 level. He currently is
           40% service-connected for back pain and says
           that   he   is   receiving   Social   Security
           disability. Because of this, I consider him
           disabled for sustained work.

Orndorf also submitted a functional capacity form filled out by Dr.

Gilbert.   It is not clear whether Dr. Gilbert completed the form

from a physical examination or only from Orndorf's verbal answers

to the questions.   Although the form is not dated, Orndorf claims

it is from September of 2000.   It states that in an eight hour day,

Orndorf can sit for one hour at a time and stand or walk for one-

quarter of an hour at a time.       It indicates that Orndorf can

occasionally lift or carry up to 20 pounds but can never lift or

carry over 20 pounds.   The form says that Orndorf can never squat,

crawl, or climb.

           On November 21, 2000, Orndorf was determined disabled

from any employment by the Department of Veterans' Affairs as a

result of on ankle fracture and hypertension effective October 22,

1997.   The report found that his ankle was 20% disabling -- the

highest evaluation assigned for limitations of motion for an ankle

-- and that he had limited motion of the ankle.

                                -31-
                               IV.

          In light of this evidence and the burden being on the

claimant to establish disability, we consider Orndorf's primary

arguments that the decision to deny benefits was wrong.

          First, Orndorf argues that the reasons relied on by

Revere are simply untrue, including the statement that Orndorf's

lumbar disc disease was "with intermittent symptomatic exacerbation

without evidence of continuous or persistent ongoing or persistent

impairment through the life of the claim, at or about the 12/21/99

determination letter or subsequently" and the statement that "we

found no evidence of back problems . . . during the year 1998."

          Second, he argues Revere's reasons for denying his claim

are without support in the record and fail to take into account

certain evidence about the duration and constancy of his back pain.

Specifically, he argues Revere did not credit the disability

determination of the Social Security Administration, the Veteran's

Administration, or Orndorf's physician, and that Revere did not

perform its own medical examination.12


     12
      Orndorf makes a variety of other arguments concerning
Revere’s decision that Orndorf was not disabled. First, he argues
that while administrators are not required to credit a treating
physician’s assessment, Revere must offer a reason why it did not
credit his statement including either collusion by treating
physician or a reasonable basis for rejecting his opinion.       He
argues that Revere did not refer back to the duties of the
perfusionist, or specifically make any determinations as to whether
Orndorf could perform the duties of perfusionist, his own
occupation. These types of arguments are relevant when performing
arbitrary and capricious review to determine whether the decision

                               -32-
             We do not read the denial of benefits to have ignored

significant material evidence submitted by Orndorf.                     The denial

letter need not detail every bit of information in the record; it

must have     enough    information      to    render    the    decision    to    deny

benefits susceptible to judicial review.                  When the standard of

judicial review is de novo, then the administrator, of course, runs

a greater risk of reversal if there is little discussion of the

evidence about disability.            The discussion here of the reasons to

deny benefits, as recounted above, was considerable.                   The opinion

of the claimant's treating physician, which was considered, is not

entitled to special deference.           See Black & Decker Disability Plan

v. Nord, 538 U.S. 822, 831 (2003).

            Orndorf's     claim       that   Revere     did    not   have   its   own

physician examine Orndorf, as opposed to reviewing records, does

not establish his case.         Denials of benefits may be based on review

of medical records submitted by the claimant.                  Orndorf's claim was

thoroughly     reviewed    by     a    board   certified       internal     medicine

physician.     And this is simply not a case where the only medical

evidence ran in Orndorf's favor, thus casting into doubt a denial

of benefits.




was reasonable. On de novo review, we reach our own decision based
on the administrative record; Orndorf’s obligation at this point is
to carry his burden to establish that he is disabled under the
plan.

                                        -33-
             To the contrary, the evidence runs against Orndorf's

claim of physical disability.          This case turns not on the question

whether plaintiff suffered back, ankle, or neck pain. The evidence

is that he did suffer at least back pain.                The medical reports

clearly show back problems and the patient's reports of back pain

over time.    This case turns on whether he met his burden of showing

that this back pain disabled him from performing his job as a

perfusionist.     These records do not establish that these problems

disabled Orndorf from performing the duties of a perfusionist.              On

de novo review, we conclude that Orndorf did not meet his burden.

Indeed, from the evidence, several dominant themes emerge.

             First, Orndorf actually worked as a perfusionist without

any physical limitations despite twenty years of back pain and

treatment.      Even as late as January 1994, Ordnorf complained to a

doctor of "long-standing" low back pain, yet he continued to

perform   his    job   for   another    14    months   without   any   physical

limitations or claims of disability.

             Second, when Orndorf stopped working in 1995, it was not

because of back pain, but because of his drug dependency.                Indeed

he did not at this time attribute his disability to back pain.

Orndorf himself noted on the claims form that he filled out for his

first claim of disability that he had no physical limitations and

his only disability was drug dependency.




                                       -34-
          Third, even after he stopped working in 1995, this back

pain was controllable and it did not prevent him from working.

During his stay at the Cooley Dickson Hospital in 1995, the doctor

noted that Orndorf complained of back pain, but that the pain was

controllable with a common pain reliever and stretching exercises.

In Orndorf's vocational rehabilitation evaluation, he reported no

physical disabilities, and in December of 1995, Orndorf told a

Revere representative that he would perform laborer work. In March

of 1998, Orndorf became concerned about his ability to survive on

disability,   and   he     was    considering      returning    to    work   as   a

perfusionist.    Indeed,     he reported in 1996 and 1997 that various

pain therapies for his back were working.

          Fourth, Orndorf engaged in recreational and life activity

inconsistent with his claim of disability.              The notes of Orndorf's

psychotherapist suggest that Orndorf was taking bicycle rides and

engaging in physical activity.            In 1998, he lived on the second

floor and had a bicycle rack on his car.

          Fifth,    even    the    1998   Social    Security    Administration

determination of disability did not establish disability from his

job as a perfusionist due to his back problems.                      Rather, the

disability finding was based on a combination of factors including

hypertension,    cardiac    impairment,       bipolar    disorder,     and   mixed

personality     disorder.        The   same   is    true   of   the    Veteran's

Administration report.


                                       -35-
             Sixth, the back disability claim was not made at all

until Orndorf had only two years of disability payments remaining

from   his   drug   dependency     claim.       Orndorf's   claim   for    back

disability followed his expressed concerns with work issues "as he

start[ed] to cope with the idea of his insurance getting cut off

eventually."

             In   light   of   this,   the    most   reasonable   view   of the

evidence is that Orndorf does not meet the definition of disability

by a physical condition.

             The award of judgment to the defendant is affirmed.             No

costs are awarded.




                                       -36-