OPINION
Plaintiff Patricia Alford, a registered nurse, appeals the district court’s grant of summary judgment in favor of DCH Foundation Group Long Term Disability Plan (“the Plan”) & UNUM Life Insurance Company (“UNUM”) in her ERISA action for continuing long-term disability benefits.
The relevant facts in this case are not in dispute. They are comprehensively set forth in the district court opinion, Alford v. DCH Foundation Group Long-Term Life Insurance Co. of America,
We review a district court’s grant of summary judgment de novo. See Mongeluzo v. Baxter Travenol Long Term Disability Benefit Plan,
I
Ms. Alford first contends that the district court improperly employed an abuse of discretion standard in its review of UNUM’s denial of benefits. She asserts that UNUM’s conflicted position as both plan administrator and funding source required the court to review the decision de novo.
When an ERISA plan, like the one at issue here, explicitly vests its administrator with discretion to determine eligibility for benefits and to construe the terms of the plan, the district court ordinarily reviews the administrator’s determinations for abuse of discretion. See Firestone Tire & Rubber Co. v. Bruch,
We agree with the district court that Ms. Alford did not meet her burden of coming forward with “material, probative evidence” that UNUM’s conflicted position as plan administrator and funding source may have influenced its decision to deny benefits. Lang,
First, Ms. Alford argues that UNUM’s denial of benefits, despite clear uncontradicted evidence of disability from her treating physician, sufficiently evidences a conflict under Regula v. Delta Family-Care Disability Survivorship Plan,
We see no basis for invoking the treating physician rule in this case, as the record shows that UNUM did not reject a treating physician’s opinion in favor of a non-treating physician’s opinion. This is not a typical case in which the opinions and medical evidence from a claimant’s treating physician conflict with those of a consulting or non-treating physician. Rather, in this case there was no evidence (much less contradictory evidence) from Ms. Alford’s treating physicians, Dr. Charles and Dr. Berger, pertaining to her condition or treatment between October 30, 1996, and January 1998. At no point did Dr. Herman, UNUM’s on-site physician, or any UNUM administrator contest the validity of the treating physicians’ reports. They merely concluded that there was insufficient evidence, given the timing and content of those reports, to determine that Ms. Alford was entitled to disability benefits after November 1, 1996. Dr. Charles’ opinion was ultimately accepted by UNUM, but it supported the payment of benefits only through October 1996. Dr. Berger’s later report failed to offer any prognosis for Ms. Alford or to provide any indication as to the extent or potential duration of her disability, nor did it make clear the most recent date of examination. Without further specifics (both in terms of supporting medical records and prospects of future disability), UNUM did not violate the treating physician rule of Regula when it required further documentation of ongoing disability before awarding benefits after October 30,1996.
Attempts by plan administrators to circumvent the treating physician rule by stating that there is insufficient evidence from the treating physician and then asking for further medical records, when the existing medical evidence is in fact sufficient, might indeed evidence a conflict. But here, where there was no medical evidence at all after October 30, 1996 (excluding the contested October 23, 1998 submission and April 20, 2000 submission), the treating physician rule neither required UNUM to extend benefits without submission of further medical records, nor demonstrated a sufficient conflict to permit de novo review by this court.
Second, Ms. Alford argues that UNUM’s calculation of her benefits based on the reduced earnings from her disability-related transfer just prior to her departure from DCH reveals a material conflict. She argues that UNUM acted in its own interest by calculating her benefits based on a 32-hour week from her part-time status rather than her previous 40-hour week. The district court rejected this argument as “nonsensical” because it was Ms. Alford’s own counsel who insisted on the 32-hour week (as opposed to a 16-hour week), and because Ms. Alford had never argued that a 40-hour week was a more appropriate basis prior to filing her complaint. Alford,
To the extent that Ms. Alford on appeal is focusing on the reduced baseline salary level (on a per hour basis) rather than just the reduced number of hours used in UNUM’s calculation, UNUM’s conduct still does not manifest a conflict. The record does not show whether the baseline
Finally, Ms. Alford points to UNUM’s failure to acknowledge or to consider the medical evidence allegedly submitted to it on October 23, 1998. The district court properly held that UNUM’s rejection of this evidence does not constitute “probative, material evidence” of a conflict. See Lang,
Because Ms. Alford failed to come forward with material, probative evidence that UNUM’s apparent conflict of interest may have influenced its decision to deny benefits, the district court properly employed the abuse of discretion standard of review. See id.
II
Ms. Alford next argues that the district court erred in denying her request to expand the administrative record to include the letter and attached documents allegedly sent to UNUM by her counsel on October 23, 1998. We disagree.
When courts apply the abuse of discretion standard, they generally limit review to the record before the plan administrator when making the benefits determination. See, e.g., Taft,
We agree with the district court that the documents at issue need not have been included in the administrative record. UNUM’s August 5, 1998 denial letter invited Ms. Alford to submit additional medical evidence within 60 days in order to secure reconsideration of her claim. If Ms. Alford had submitted such evidence to UNUM within that period, she would have a legitimate argument that it should be part of the administrative record. Even on her version of the facts, however, her counsel did not send the materials until several weeks past the letter’s 60 day deadline. When the 60 days expired with no further submissions by Ms. Alford, UNUM’s decision became final. Therefore, the documents allegedly sent on October 23 were neither “presented to” nor “considered by” UNUM in reaching its decision, and should not be included in the record on appeal to the district court. See Bendixen v. Standard Ins. Co.,
Finally, Ms. Alford contends that UNUM abused its discretion when it denied her disability benefits beyond November 1, 1996, and that the district court therefore erred in granting the defendant’s motion for summary judgment and denying her own. As evidence of this abuse, she points primarily to UNUM’s rejection of Dr. Berger’s report of October 30, 1996 as sufficient evidence of future disability. Relying on the treating physician rule, Ms. Alford contends that UNUM failed to give “specific, legitimate reasons” for the rejection of that report, see Regula,
The district court properly held that UNUM’s refusal to extend benefits based on the materials it had before it, including Dr. Berger’s report, did not constitute an abuse of discretion. Unlike Dr. Charles’ earlier report, Dr. Berger’s report did not offer any prognosis for Ms. Alford or provide any opinion as to the potential duration of her disability. Thus, it was not unreasonable for UNUM to treat it as only describing Ms. Alford’s condition as of the date of the report. And in light of the absence of such a medical opinion, the fact that there were no medical records supporting a determination of future disability makes it impossible to find that UNUM abused its discretion in requesting further records before extending Ms. Alford’s disability benefits.
To the extent that Ms. Alford relies on documents allegedly submitted to UNUM on October 23, 1998, to bolster her claim of abuse of discretion, we agree with UNUM that these documents were not part of the record it was required to consider. See Bendixen,
Ms. Alford’s counsel did finally provide UNUM with her treatment records for the time period from 1996 through 1997, but only in April of 2000 — almost two years after the August 5, 1998, denial letter. These records indicate that Ms. Alford might have qualified for benefits under the plan, if she had properly presented evidence of her ongoing disability and treatment in accordance with the plan requirements and UNUM’s repeated requests. Although the way in which Ms. Alford’s claim was presented to UNUM is to be greatly regretted, see Alford,
AFFIRMED.
Notes
. Only UNUM has entered an appearance in the action.