# Lane v. Iron Workers Local Union 1 Pension and Annuity Funds

> District Court, N.D. Illinois · December 30, 2021

URL: https://www.frixlaw.com/law-library/cases/10145995

## Case

- **Court:** District Court, N.D. Illinois
- **Decided:** December 30, 2021
- **Opinion:** 100trialcourt
- **Cited by:** 0 later opinions in the Frix Law Library

## Citator (automated)

- No negative treatment found by the automated citator. That is not the same as a confirmation that the case is good law; read the citing cases.
- Full citator and citing cases: https://www.frixlaw.com/law-library/cases/10145995

## How later opinions describe it (automated extraction)

- explaining that plan administrator acted reasonably by seeking specialized input and distinguishing Quinn v. Blue Cross & Blue Shield Ass’n, 161 F.3d 472, 476 (7th Cir. 1998) abrogated on other grounds by Hardt v. Reliance Standard Life Ins. Co., 560 U.S. 242 (2010)

## Opinion text

IN THE UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF ILLINOIS
EASTERN DIVISION

JEFFERY LANE, )
)
Plaintiff, ) Case No. 20 C 6769
)
v. )
) Judge Jorge L. Alonso
STRUCTURAL IRON WORKERS )
LOCAL NO. 1 PENSION TRUST )
FUND, )
)
Defendant. )

MEMORANDUM OPINION AND ORDER

Following the denial of his application for disability pension benefits, plaintiff, Jeffery
Lane, filed this civil action, claiming that defendant, the Structural Iron Workers Local No. 1
Pension Trust Fund (“the Fund”), violated § 502(a)(1)(b) of the Employee Retirement Income
Security Act (“ERISA”), 29 U.S.C. § 1132(a)(1)(b). The parties have filed cross-motions for
summary judgment. For the reasons set forth below, the Court grants defendant’s motion for
summary judgment and denies plaintiff’s.
I. Background

The following facts come from the parties’ Local Rule 56.1 statements and the certified
administrative record (ECF No. 13). Based on the parties’ Local Rule 56.1 responses, these facts
appear to be undisputed.
Plaintiff has worked as an iron worker at various times over the past thirty years. He is a
member of the Iron Workers Local #1 Union and a participant in the Structural Iron Workers Local
No. 1 Pension Trust Fund. He has earned nine pension credits, where a participant earns a credit
for working one thousand or more hours in covered employment during a calendar year. Defendant
is a multiemployer pension plan administered by a Board of Trustees, which is composed of an
equal number of representatives of management and labor. The parties agree that the Board of
Trustees are the designated plan administrator under 29 U.S.C. § 1002(16)(A)(i), and they are
therefore a fiduciary of the Fund under 29 U.S.C. § 1002(21)(A).

On May 28, 2014, plaintiff tore the meniscus in his left knee and injured his left shoulder
while working as an iron worker. Plaintiff applied for and received worker’s compensation benefits
that year. His meniscus was surgically repaired in July 2014, and he had surgery on his left
shoulder in 2015. In June 2016, plaintiff asked Dr. Scott Cordes, his orthopedist, to approve his
return to work as a welder if he worked with a partner “in a low impact, nonrepetitive, nonoverhead
situation as a ‘return-to-work trial.’” (Defs.’ LR 56.1 Resp. ¶ 25, ECF No. 28.) Dr. Cordes agreed,
and plaintiff attempted on several occasions to resume his career as an iron worker. However, he
reinjured his shoulder, and in 2017, he was forced to apply for Social Security Disability Insurance
(“SSDI”). Following a lengthy application (and reapplication) process, plaintiff received a Notice
of Award letter from the Social Security Administration (“SSA”), which indicated that the SSA

found plaintiff to be disabled as of July 1, 2018. This letter did not provide reasons for the decision
in any detail.
In August 2019, plaintiff emailed John Gardiner, the Fund’s Administrative Manager, to
ask how to apply for disability pension benefits. Gardiner instructed plaintiff as follows:
First, we would need a copy of your complete Social Security Award Letter.
Second, was the disability award the result of an on the job injury? If so, which job?
If we are unable to tie the exact date of the disability to on the job injury, we will
need to know what Social Security based their determination on. This may include
medical records Social Security used in making their determination.

(Admin. R. Ex. A, Aug. 19, 2019 Email from Gardiner to Pl., ECF No. 13-1 at 12.) Gardiner
explained that, under the terms of the Pension Plan of Structural Iron Workers Local No. 1 Pension
Trust Fund Restated as of January 1, 2014 (“Plan”), given that plaintiff had fewer than fifteen
pension credits, plaintiff needed to be able to tie his disability to a specific injury on the job in
order to obtain disability benefits.
Plaintiff sent Gardiner the Notice of Award and informed him that he had not received

anything describing the reasons for the award in any more detail. Gardiner responded that, since
the Notice of Award did not “tie the exact date of the disability to an on the job accident/injury,”
plaintiff should show “what Social Security based their determination on,” including, for example,
“medical records Social Security used in making their determination.” (Id., Aug. 20, 2019 Email
from Gardiner to Pl., ECF No. 13-1 at 4.)
Approximately two weeks later, plaintiff sent Gardiner certain medical records. Gardiner
reviewed the records and responded as follows:
Both of the reports refer to your shoulders . . . . From my review, I do not see any
mention of a specific date of injury that we can tie to a job. Are you able to identify
the job that these shoulder injuries are from? I will then see if we have any
information here in the office regarding the accidents. If we do not, you will have
to provide some proof of the job related injury.

In addition to these medical reports, we still need something from Social Security
explaining your disability award. Were you determined disabled because of the 2
shoulder injuries? Was it due to the back and neck issues? If so, we need to get
some documentation showing that. Sometimes a Determination Letter from Social
Security may explain the nature of the disability, but you had previously said you
did not receive one.

As I have reviewed your documents, there currently is not enough information to
tie the disability to an on the job accident. With the number of credit[s] you have,
we must be able to tie the disability award to a job injury. Please see what additional
information you can locate and forward to us when you can.

(Id., Sep. 6, 2019 Email from Gardiner to Pl., ECF No. 13-1 at 17.) Plaintiff replied that there
“should be a workers comp accident on file from May 28/29, 2014.” (Id., Sep. 6, 2019 Email from
Pl. to Gardiner, ECF No. 13-1 at 19.) But Gardiner responded that the Fund had no information on
that accident or the worker’s compensation claim other than “the record from [the] Illinois
Industrial Commission website” that the Fund used “in applying [plaintiff’s worker’s
compensation] credit.” (Id., Sep. 6, 2019 Email from Gardiner to Pl., ECF No. 13-1 at 19.) For
“‘Body Part,’” Gardiner explained, that document listed the “‘Whole Body,’ not specifically the

shoulder, back or neck.” (Id.)
After another two weeks, Gardiner sent plaintiff a follow-up email to ask if he had been
able to obtain any other documentation regarding his disability. Plaintiff responded that he had not
because the “determination was made on a combination of factor[s] and not just the . . . accident
in May of 2014,” so he could not “connect it to a specific event/date.” (Id., Sep. 17, 2019 Email
from Pl. to Gardiner, ECF No. 13-1 at 25.)
On March 20, 2020, plaintiff emailed Gardiner with “everything [he could] supply” to
support his application for disability pension benefits (id., ECF No. 13-1 at 31-32), including his
formal application for disability pension benefits and a letter from Dr. Cordes. On his application
form, plaintiff circled “yes” to the question, “Did you become totally and permanently disabled as

a result of an on-the-job accident in covered employment?” (Id., Ex. B, Application for Retirement
Benefits, ECF No. 13-2 at 201.) On the blank for “Date you became disabled,” plaintiff wrote,
“May 28, 2014.” (Id.) Dr. Cordes’s letter stated as follows, in pertinent part:
[Plaintiff’s] past medical history is significant for several work-related injuries
leading to his present status where he is on social security disability. He has been
under my care from an injury from May 28, 2014, at which time he tore his
meniscus and injured his left shoulder requiring surgical intervention as well. He
has also had a previous cervical spine fusion as well as right shoulder injury
requiring arthroscopic intervention. All these injuries have been due to work-
related events. He is an iron worker. Presently satisfied with the outcome of his
right shoulder. His left shoulder still causes his symptoms. He has tried to modify
his activities of daily living in an exercise regimen. He is aware possible future
arthroscopic intervention may be warranted pending his symptoms. He has been in
extensive physical therapy including work hardening and was not ever able to meet
the criteria required to be an unrestricted iron worker due to his accident from May
28, 2014.

(Admin. R. Ex. B, Feb. 14, 2020 Cordes Letter, ECF No. 13-2 at 194.) Gardiner acknowledged
receipt and responded that he would be in touch after the Fund and its attorney had reviewed the
materials.
On April 2, 2020, the Fund denied plaintiff’s application for a disability pension. In a letter
authored by Sara Herring, the Fund’s Pension Manager, the Fund explained that plaintiff was
required to “submit evidence showing that [his] disability as determined by Social Security [was]
the result of an on-the-job injury.” However, the Fund found that he had not done so:
The Notice of Award Letter does not state the disabling condition that is the basis
for determining you are disabled as of July 1, 2018. While Dr. Corde[s]’s letter
states that your current disability is due to several work-related injuries, including
an injury from May 28, 2014, the information submitted does not provide evidence
that Social Security made its determination based on a disabling condition that is
the result of the on-the-job accident from May 28, 2014.

(Id., Ex. C, Apr. 2, 2020 Letter, ECF No. 13-3 at 3.)
Attached to this letter were the key provisions of Articles 4 and 7 of the Plan. Article 4
governs disability pensions. Section 4.01 provides that there are two ways a participant can qualify
for a disability pension. The first requires the participant to have earned at least fifteen pension
credits by the time he becomes totally and permanently disabled. The second requires the
participant to have earned at least five pension credits and to have become “totally and permanently
disabled as the result of an accident sustained while on the job.” (Id., Ex. I, Plan § 4.01(a)(2), ECF
No. 13-9 at 25.) A participant qualifies as “totally and permanently disabled” only if he either
suffers from a terminal illness or “is entitled to disability payments under the Social Security Act.”
(Id. § 4.03(a), ECF No. 13-9 at 27.)
Article 7 of the Plan governs applications for benefits, claims, and appeals. Under Section
7.03, “Every claimant for benefits shall furnish, at the request of the Trustees, any information or
proof reasonably required to determine his benefit rights.” (Id. § 7.03, ECF No. 13-9 at 55.) Section
7.04 describes the scope of the Trustees’ authority as follows:

The Trustees shall, subject to the requirements of the law, be the sole judges of the
standard of proof required in any case involving the application and interpretation
of the Plan, and decisions of the Trustees shall be final and binding on all parties.
The Trustees have the discretionary decision making authority to interpret the
provisions of this Plan and determine eligibility for benefits. Benefits under this
Plan will be paid only if the Trustees decide in their discretion that the applicant is
entitled to them.

(Id. § 7.04, ECF No. 13-9 at 55.) Section 7.05 requires applicants to include with their applications
“all information and evidence the Trustees deem necessary to properly evaluate the merit of the
claim and to make any necessary determinations on the claim for benefits.” (Id. § 7.05(a), ECF
No. 13-9 at 56.) If the application is denied, the applicant may file an appeal, and he may “submit
additional materials” to support it. (Id. § 7.05(c)(2)(i), ECF No. 13-9 at 58.)
Upon receipt of the denial letter, plaintiff immediately emailed Gardiner to inquire about
the appeal process. Gardiner responded as follows:
The information you have provided to date is insufficient to tie your disability to a
specific work injury. Your appeal will consist of writing a letter to the Trustees and
providing what ever additional information you can put together to support your
claim, within 60 days. . . . Keep in mind, you have 1 appeal. You want to gather all
pertinent information and then present your case.

(Id., Ex. A, Apr. 2, 2020 Email from Gardiner to Pl., ECF No. 13-1 at 57.) Plaintiff submitted a
letter in which he presented his side of the story to the trustees, explaining that, despite several
attempts, he had never been able to return to work for any significant length of time since the May
28, 2014 accident. Plaintiff argued that to allow his “return to work trials” to prevent him from
recovering disability pension benefits, on the grounds that they tend to obscure whether plaintiff
became disabled as a result of the May 28, 2014 accident or for unrelated reasons thereafter, would
be to “penalize[]” him “for not giving up.” (Id., Ex. D, Apr. 4, 2020 Letter from Pl. to Trs., ECF
No. 13-4 at 3.) With the letter, plaintiff enclosed a letter from an attorney who represented him in
his SSDI proceedings, explaining that the Social Security proceedings were directed toward

establishing whether plaintiff was disabled on his “Date Last Insured,” namely, December 31,
2018, and the fact that they focused on plaintiff’s condition in 2018 should not be interpreted to
suggest that he became disabled only at that late date. He also submitted a follow-up letter from
Dr. Cordes, in which Dr. Cordes purported to “clarify” that, in his earlier letter, when he had stated
that plaintiff could not return to work due to his accident of May 28, 2014, he was “relating his
current disability back to that date.” (Id., May 12, 20201 Cordes Letter, ECF No. 13-4 at 5.)
At its June 16, 2020 meeting, the Fund’s Board of Trustees decided to procure an
“independent medical review” of plaintiff’s claim. (Id., Ex. E, Jun. 19, 2020 Letter from Gardiner
to Pl., ECF No. 13-5 at 2.) The Fund submitted its file, including plaintiff’s medical records, his
worker’s compensation settlement agreement, his Notice of Award, and the various letters between

plaintiff, the Fund, and Dr. Cordes, to the Medical Review Institute of America (“MRIoA”). Dr.
Sterling, the assigned MRIoA reviewer, concluded that the documents he had been provided with
did not show that the disability for which plaintiff was receiving SSDI benefits was the result of
his May 28, 2014 on-the-job injury. According to Dr. Sterling, the SSA had not indicated the basis

1 Plaintiff may have backdated certain documents, or begun drafting them long before he
completed and submitted them. For example, his appeal letter is dated April 4, 2020, but it
mentions enclosing letters from Dr. Cordes and his Social Security attorney, which are dated May
12 and May 13, respectively. Similarly, his application for pension benefits is dated August 19,
2019, but certain emails in the record between plaintiff, Gardiner, and Herring suggest that plaintiff
did not submit this application until March 2020. The exact dates on which plaintiff sent these
documents to the Fund is immaterial to the Court’s decision; the Court merely notes the potential
discrepancy to prevent any confusion.
for its decision, and the medical records he had reviewed identified several other serious ongoing
health conditions, in addition to the left shoulder and knee issues that might logically have begun
with the May 28, 2014 accident. Plaintiff had also had right shoulder surgery and spinal surgery,
and the medical records Dr. Sterling reviewed focused primarily on treatment and physical therapy

on the right shoulder—but not the left shoulder. Therefore, the records did not establish that
plaintiff’s disability was the result of left-shoulder or left-knee problems that might have followed
from the May 28, 2014 accident. (Id., Ex. F., Jul. 20, 2020 MRIoA Report, ECF No. 13-6 at 2-3.)
On August 20, 2020, Gardiner sent plaintiff a letter to inform him that the Trustees had
denied his appeal. The letter explained that MRIoA had “determined that [plaintiff’s] records . . .
do not support [that] the Social Security Administration . . . disability finding of July 1, 2018
relates back to the May 28, 2014 injury [plaintiff] sustained while on the job. Specifically, MRIoA
found that the records fail to show that the SSA based the disability on the 5/28/14 work injury.”
(Id., Ex. G, Aug. 20, 2020 Letter from Gardiner to Pl., ECF No. 13-7 at 3 (internal quotation marks
omitted).) This civil action followed.

II. Standard on Cross-Motions for Summary Judgment

Summary judgment shall be granted “if the movant shows that there is no genuine dispute
as to any material fact and the movant is entitled to judgment as a matter of law.” Fed. R. Civ. P.
56(a). “A genuine issue of material fact arises only if sufficient evidence favoring the nonmoving
party exists to permit a jury to return a verdict for that party.” Brummett v. Sinclair Broadcast
Group, Inc., 414 F.3d 686, 692 (7th Cir. 2005). When considering a motion for summary judgment,
the Court must construe the evidence and make all reasonable inferences in favor of the non-
moving party. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 247 (1986). The Court may not
weigh conflicting evidence or make credibility determinations, but the party opposing summary
judgment must point to competent evidence that would be admissible at trial to demonstrate a
genuine dispute of material fact. Omnicare, Inc. v. UnitedHealth Grp., Inc., 629 F.3d 697, 705 (7th
Cir. 2011); Gunville v. Walker, 583 F.3d 979, 985 (7th Cir. 2009). The court will enter summary
judgment against a party who does not “come forward with evidence that would reasonably permit

the finder of fact to find in [its] favor on a material question.” Modrowski v. Pigatto, 712 F.3d
1166, 1167 (7th Cir. 2013). The Court applies these “ordinary standards for summary judgment”
in the same way whether one or both parties move for summary judgment; when the parties file
cross-motions, the Court treats each motion individually, “constru[ing] all facts and inferences
arising from them in favor of the party against whom the motion under consideration is made.”
Blow v. Bijora, Inc., 855 F.3d 793, 797 (7th Cir. 2017); see Reeder v. Carter, 339 F. Supp. 3d 860,
869-70 (S.D. Ind. 2018).
III. Discussion

ERISA § 502 provides a cause of action for a participant or beneficiary of an ERISA plan
“to recover benefits due to him under the terms of his plan, to enforce his rights under the terms
of the plan, or to clarify his rights to future benefits under the terms of the plan[.]” 29 U.S.C. §
1132(a)(1)(B). A district court reviews a denial of benefits challenged pursuant to § 502(a) “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 Tire
& Rubber Co. v. Bruch, 489 U.S. 101, 115 (1989). Where the plan confers discretionary authority
on its administrator, the court reviews a denial of benefits under the arbitrary and capricious
standard. Geiger v. Aetna Life Ins. Co., 845 F.3d 357, 362 (7th Cir. 2017). Under that deferential
standard of review, the Court must uphold the administrator’s decision “‘as long as (1) it is possible
to offer a reasoned explanation, based on the evidence, for a particular outcome, (2) the decision
is based on a reasonable explanation of relevant plan documents, or (3) the administrator has based
its decision on a consideration of the relevant factors that encompass the important aspects of the
problem.’” Hennen v. Metro. Life Ins. Co., 904 F.3d 532, 539 (7th Cir. 2018) (quoting Tompkins
v. Cent. Laborers' Pension Fund, 712 F.3d 995, 999 (7th Cir. 2013)). Even this deferential review,

however, is not a “rubber stamp,” and courts must not “‘uphold a [decision] when there is an
absence of reasoning in the record to support it.’” Holmstrom v. Metro. Life Ins. Co., 615 F.3d 758,
766 (7th Cir. 2010)) (quoting Hackett v. Xerox Corp. Long-Term Disability Income Plan, 315 F.3d
771, 774-75 (7th Cir. 2003)).
The parties appear to agree that the Plan confers discretionary authority on the Trustees to
determine whether applicants are eligible for benefits. They disagree about whether the Trustees
exercised their discretion appropriately. Plaintiff argues that the Trustees’ decision was arbitrary
and capricious because (a) they placed too little weight on Dr. Cordes’s letters, without explaining
why they discounted Dr. Cordes’s opinion in favor of the MRIoA reviewer’s, (b) they did not seek
additional information to resolve any uncertainty as to whether the record established that the May

28, 2014 accident caused his disability, and (c) they placed too much weight on the absence of any
document from the SSA explaining why it had awarded plaintiff SSDI benefits—which, if it was
important to them, they could have easily obtained. According to plaintiff, the Trustees should
have taken additional actions to gather more information such as contacting plaintiff’s employers
to determine why he left certain positions, inquiring further into his worker’s compensation claim
history, contacting Dr. Cordes to better understand the basis for his opinion, or requesting
additional documents from the SSDI proceedings, in order to give plaintiff’s claim the full and fair
review it deserved.
Defendant argues that the Court must uphold the Trustees’ decision because it was based
on a reasonable interpretation of the Plan documents and well-grounded in the evidence. In
particular, defendant argues, (a) it was not unreasonable for defendant to rely on the opinion of the
MRIoA reviewer, Dr. Sterling, rather than Dr. Cordes’s letters, (b) it was not defendant’s

responsibility to obtain the evidence necessary to support an award of disability pension benefits
to plaintiff, and (c) the Trustees properly considered the record in the absence of an SSA
determination letter—and even if they had been able to consider evidence of the Social Security
proceedings that was not before them, the SSA decision does not help plaintiff.
A. Whether the Trustees’ Interpretation of Dr. Cordes’s Letters Was Unreasonable
Plaintiff argues that it was unreasonable for the Trustees to rely on the MRIoA review and
reject Dr. Cordes’s letter because a plan administrator may not “refuse arbitrarily to credit [a
disability claimant’s] reliable evidence, including the opinions of her treating physicians.” Crespo
v. Unum Life Ins. Co. of Am., 294 F. Supp. 2d 980, 994 (N.D. Ill. 2003). According to plaintiff, the
Trustees rejected Dr. Cordes’s opinion out of hand, without articulating a valid reason for doing

so, and therefore acted arbitrarily and capriciously.
The Court disagrees with plaintiff because “it is possible to offer a reasoned explanation,
based on the evidence,” for the Trustees’ decision in this regard. See Rabinak v. United Bhd. of
Carpenters Pension Fund, 832 F.3d 750, 754 (7th Cir. 2016) (internal quotation marks omitted).
What plaintiff needed to prove to the Fund and the Trustees was that he had become “totally and
permanently disabled as the result of an accident sustained while on the job.” (Admin. R. Ex. I,
Plan § 4.01(a)(2), ECF No. 13-9 at 25.) “[T]otally and permanently disabled,” as relevant here,
means that he is “entitled to disability payments under the Social Security Act.” (Id. § 4.03(a),
ECF No. 13-9 at 27.) The Fund interpreted this language to mean that plaintiff must prove that (a)
he suffered a disabling injury that entitled him to SSDI, and (b) he suffered the injury in an on-the-
job accident. (See id., Ex. C, Apr. 2, 2020 Letter, ECF No. 13-3 at 3 (“While Dr. Corde[s]’s letter
states that your current disability is due to several work-related injuries, including an injury from
May 28, 2014, the information submitted does not provide evidence that Social Security made its

determination based on a disabling condition that is the result of the on-the-job accident from May
28, 2014.”)). Because the Fund has discretionary authority to interpret the Plan, the Court owes
this interpretation deference. See Cerentano v. UMWA Health & Ret. Funds, 735 F.3d 976, 981
(7th Cir. 2013).
The trouble with Dr. Cordes’s letters, from the Fund’s point of view, is that they do not
address the correct question and, to the extent they do, they do so only conclusorily. In his February
2020 letter, Dr. Cordes refers to “several work-related injuries” and accompanying health issues,
in addition—and unrelated—to the left knee and left shoulder problems that began with the May
2014 accident, including a “cervical spine fusion” and “right shoulder injury requiring arthroscopic
intervention.” (Id., Ex. B, Feb. 14, 2020 Cordes Letter, ECF No. 13-2 at 194.) The closest he comes

to stating that one of the injuries caused by the May 2014 accident resulted in plaintiff’s disability
is stating that plaintiff’s “left shoulder still causes his symptoms.” (Id.) But he does not elaborate
on the term “symptoms”; he simply concludes that, despite extensive physical therapy, plaintiff
has never been able to “to meet the criteria required to be an unrestricted iron worker” since his
May 2014 accident. (Id.) Dr. Cordes’s short, three-line May 2020 letter essentially reiterates this
conclusion, stating that “when [he] stated that Mr. Lane could not return to his work due to his
accident of May 28, 2014,” he intended to “relat[e] [plaintiff’s] current disability back” to the May
2014 accident. (Id., Ex. D, May 12, 2020 Cordes Letter, ECF No. 13-4 at 5.)
So, Dr. Cordes’s letter establishes that plaintiff still suffers left-shoulder “symptoms” and,
in Dr. Cordes’s opinion, plaintiff has been unable to work as an iron worker since the May 2014
accident. But whether plaintiff can work as an iron worker is not the critical question that the Fund
needed plaintiff to answer. Again, what plaintiff needed to prove was that, as a result of the May

2014 accident, plaintiff became totally and permanently disabled such that he is entitled to SSDI
benefits. On their face, Dr. Cordes’s letters do not even purport to opine on which injuries caused
plaintiff’s disability to reach that level of severity, or indeed whether his disability is that severe
at all; Dr. Cordes stated only that, since plaintiff has been under his care, plaintiff has never been
able to return to work as a regular iron worker.
Further, even if establishing that plaintiff is unable to return to work as an iron worker were
enough, Dr. Cordes did not make clear that the injuries sustained in the May 2014 accident are
precisely the cause of that disability. Dr. Cordes stated that plaintiff has had intervening procedures
in the years since the accident—namely, the cervical spine fusion and the right shoulder surgery—
and he did not state the degree to which these other issues may have contributed to plaintiff’s

inability to “meet the criteria required to be an unrestricted iron worker.” True, Dr. Cordes stated
that either he or plaintiff is “[p]resently satisfied with the outcome of [plaintiff’s] right shoulder,”
but he also stated that “possible future arthroscopic intervention may be warranted pending his
symptoms,” and it is not clear whether this relates to the right shoulder (which has already
undergone an “arthroscopic intervention”), the left shoulder, or both.
Given this evidence, the applicable Plan language, and the discretion the Plan gives the
Trustees to interpret the Plan and determine eligibility for benefits, the Trustees were entitled to
seek a closer “causal link” between plaintiff’s total and permanent disability and the May 28, 2014
accident. See Cerentano, 735 F.3d at 981. In Cerentano, the plan language was similar to the
language in this case: the plan provided that a participant “who becomes totally disabled as a result
of a mine accident . . . shall . . . be eligible for a pension while so disabled,” and a participant “shall
be considered to be totally disabled only if by reason of such accident such Participant is
subsequently determined to be eligible for Social Security Disability Insurance benefits.” The

Seventh Circuit explained that “[t]he phrases ‘as a result of’ and ‘by reason of’ do not establish
how closely connected the mine accident(s) must be to the disability.” Id. In such circumstances,
“the trustees’ ‘interpretation . . . is entitled to deference.’” Id. (quoting Tompkins, 712 F.3d at
1002). Similarly here, the Plan states that a participant must become “totally and permanently
disabled as the result of an accident sustained while on the job” (Admin. R. Ex. I, Plan § 4.01(a)(2),
ECF No. 13-9 at 25.), which does not establish how closely connected the accident must be to the
disability. But the Plan also states that the Trustees are the “sole judges of the standard of proof
required,” and it gives them discretion to interpret the Plan and determine eligibility. (Id., § 7.04,
ECF No. 13-9 at 55.) So, having been handed a “medical [opinion] of questionable reliability,”
Davis v. Unum Life Ins. Co. of Am., 444 F.3d 569, 578 (7th Cir. 2006), which had limited probative

value on the key factual issues at play, the Trustees, “as sole judges of the standard of proof
required,” were entitled to conclude that Dr. Cordes’s letter did not satisfy the requisite standard
of proof and to probe further to determine whether there was a real causal link between plaintiff’s
total and permanent disability and the May 28, 2014 accident. It follows that the Fund was entitled
to seek an independent review of the medical records underlying Dr. Cordes’s opinion in an effort
to better understand plaintiff’s condition and its relationship to the May 28, 2014 accident.
Dr. Sterling, the MRIoA reviewer, undertook a review of all the materials plaintiff had
submitted, including extensive medical records documenting his physical therapy and other
medical appointments in 2018, around the time of his Social Security determination. He concluded
that these materials did not show that the injuries to the left shoulder or left knee, as opposed to
the right shoulder or spine, were the cause of plaintiff’s total and permanent disability. The
Trustees relied on these findings to deny plaintiff’s appeal, and, given the deference the Court
owes to the Trustees’ decision, the Court cannot dismiss this decision as “downright

unreasonable.” Davis, 444 F.3d at 576 (internal quotation marks omitted); see id. at 577 (not
unreasonable for plan administrator to rely on records review rather than opinions of treating
physicians); Williams v. Aetna Life Ins. Co., 509 F.3d 317, 324-25 (7th Cir. 2007) (plan
administrator was entitled to seek independent review and accept the reviewer’s conclusion, “so
long as [he] provided a non-arbitrary explanation for his conclusion,” which explained his
“departure from previous doctors’ opinions”); see also O'Reilly v. Hartford Life & Accident Ins.
Co., 272 F.3d 955, 963 (7th Cir. 2001) (explaining that plan administrator acted reasonably by
seeking specialized input and distinguishing Quinn v. Blue Cross & Blue Shield Ass’n, 161 F.3d
472, 476 (7th Cir. 1998) abrogated on other grounds by Hardt v. Reliance Standard Life Ins. Co.,
560 U.S. 242 (2010)); Brown v. Ret. Comm. of Briggs & Stratton Ret. Plan, 797 F.2d 521, 532

(7th Cir. 1986) (certain physicians’ reports constituted substantial evidence supporting denial of
claim, despite “countervailing” physicians’ reports).
This case is not like the case plaintiff cites, Crespo v. Unum Life Insurance Company of
America, 294 F. Supp. 2d at 994, because the Trustees did not “refuse arbitrarily to credit
[plaintiff’s] reliable evidence, including the opinions of her treating physicians.” In this case, the
opinion of Dr. Cordes was not “reliable evidence” that plaintiff had become totally and
permanently disabled and entitled to SSDI benefits as a result of the May 2014 accident. At most,
it was evidence that plaintiff had not been able to return to work as a regular iron worker since
May 2014; Dr. Cordes did not explain why the injuries he suffered in that accident, rather than his
right-shoulder or spinal injuries, were what made him disabled. Given how scant Dr. Cordes’s
explanation was, the Trustees were entitled to want another doctor to look at the “objective
evidence.” Dreyer v. Metro. Life Ins. Co., 459 F. Supp. 2d 675, 683 (N.D. Ill. 2006) (citing Donato
v. Metro. Life Ins. Co., 19 F.3d 375, 380 (7th Cir. 1994), disapproved of on other grounds by Diaz

v. Prudential Ins. Co. of Am., 424 F.3d 635 (7th Cir. 2005)) (“Without objective evidence [such as
underlying medical records] supporting the conclusion that claimant’s mental or physical condition
constitutes a disability under a benefit plan, defendants’ determination is not arbitrary or capricious
on the basis of unsubstantiated conclusory statements made by claimant’s doctors.”); see also
Davis, 444 F.3d at 569 (citing Leipzig v. AIG Life Ins. Co., 362 F.3d 406, 409 (7th Cir. 2004))
(characterizing treating physician as “more [of] an advocate than a doctor rendering objective
opinions”). Further, the mere fact that the Trustees sought an independent review at all tends to
suggest that the Trustees’ decision was not arbitrary and capricious—unlike in Crespo, 2 where the
court reasoned that the decision was arbitrary and capricious in part because the plan administrator
did not seek an independent medical examination. 294 F. Supp. 2d at 995-96 (citing Donato, 19

F.3d at 382) (“Seeking independent expert advice is evidence of a thorough investigation, and
reliance upon independent experts generally insulates the fiduciary from judicial reversal.”).
Plaintiff is correct that a plan administrator may not “engage[] in only a selective
presentation of the evidence in the record, focusing on the portions that will support a denial of the
claim and ignoring or misrepresenting the facts that could demonstrate the disability.” Lacko v.
United of Omaha Life Ins. Co., 926 F.3d 432, 441 (7th Cir. 2019). But that is not what happened
here. The Trustees did not ignore Dr. Cordes’s letters; they simply found them less probative of

2 This case is unlike Crespo for numerous other reasons as well, as defendant amply explains,
although the Court need not trace all the differences here. (Def.’s Combined Resp./Reply Mem. at
9-10, ECF No. 27.)
the key factual questions than plaintiff believes they were, so the Trustees sought further evidence
in the form of an independent medical review. Because there is substantial support for the Trustees’
interpretation in the record, their decision was not arbitrary and capricious on this ground.
B. Whether the Trustees Were Required to Seek Additional Information

Plaintiff argues that, even if it was not unreasonable for defendant to find Dr. Cordes’s
letters wanting, defendant should have reached out to Dr. Cordes to better understand the basis of
his opinion or otherwise sought additional information about plaintiff’s condition, rather than
simply deny his claim for lack of evidence.
Defendant argues in response that it was plaintiff’s burden to prove his entitlement to
benefits and defendant had no obligation to seek out additional information, if plaintiff failed to
provide enough evidence to satisfy the Trustees. Although the Plan language and ERISA § 503
imposed on defendant somewhat greater responsibility for working with plaintiff to get to the
bottom of things than defendant lets on,3 the Court agrees with defendant that the Trustees were
not required to do more than they did here, under the circumstances.

The Plan places the primary burden of proof on claimants, but it also envisions a role for
the Trustees in shaping the record. According to the Plan, a claimant must “furnish, at the request
of the Trustees, any information or proof reasonably required to determine his benefit rights,” and
he must provide “all information and evidence [that] the Trustees deem necessary to properly

3 On this point, defendant cites Dorris v. Unum Life Insurance Company of America, 949 F.3d
297, 304 (7th Cir. 2020), in which the Seventh Circuit stated, “The plaintiff is the one who is
obligated to prove she is entitled to benefits, so any gaps in the record cut against her claim.” But
defendant takes this statement out of context. The court was explaining why disability claimants
seeking district-court review of an adverse administrative decision subject to de novo review are
permitted to submit additional evidence. But here, defendant’s decision is not subject to de novo
review; the Court must uphold defendant’s decision unless it is arbitrary and capricious. Dorris is
inapposite.
evaluate the merit of the claim and to make any necessary determinations on the claim for
benefits.” (Admin. R. Ex. I, Plan, §§ 7.03, 7.05, ECF No. 13-9 at 55-56 (emphasis added).)
This Plan language is consistent with ERISA § 503, 29 U.S.C. § 1133(b), which requires
employee benefit plans to “afford a reasonable opportunity to any participant whose claim for

benefits has been denied for a full and fair review by the appropriate named fiduciary of the
decision denying the claim.” Courts have interpreted this provision to demonstrate that “ERISA
does not envision that the claims process will mirror an adversarial proceeding where ‘the
[claimant] bear[s] almost all of the responsibility for compiling the record, and the [fiduciary]
bears little or no responsibility to seek clarification when the evidence suggests the possibility of
a legitimate claim.’” Harrison v. Wells Fargo Bank, N.A., 773 F.3d 15, 21 (4th Cir. 2014) (quoting
Gaither v. Aetna Life Ins. Co., 394 F.3d 792, 807 (10th Cir. 2004), and citing Quinn, 161 F.3d at
476). Instead, ERISA requires, “where necessary, some back and forth between administrator and
beneficiary.” Harrison, 773 F.3d at 21. “An ERISA fiduciary presented with a claim that a little
more evidence may prove valid should seek to get to the truth of the matter,” often by engaging in

a “meaningful dialogue” with the claimant, in the way that “civilized people communicate with
each other regarding important matters.” Gaither, 394 F.3d at 807-08 (internal quotation marks
omitted). A plan administrator may not simply “shut his eyes to the most evident and accessible
sources of information that might support a successful claim.” Harrison, 773 F.3d at 21.
But substantial—rather than strict—compliance with the “core requirements” of the full-
and-fair-review requirement of 29 U.S.C. § 1133 is sufficient. Halpin v. W.W. Grainger, Inc., 962
F.2d 685, 690 (7th Cir. 1992) (internal quotation marks omitted), see Williams, 509 F.3d at 324-
25; see also Siebert v. Cent. States Se. & Sw. Areas Health & Welfare Fund, 496 F. Supp. 3d 1152,
1163-64 (N.D. Ill. 2020) (citing cases). In keeping with that general principle, the “meaningful
dialogue” rule “is one of reason.” Harrison, 773 F.3d at 22. “[P]lan administrators possess limited
resources, and . . . there are practical constraints on their ability to investigate the volume of
presented claims.” Id. They need not “scour the countryside in search of evidence to bolster a
petitioner’s case.” Id. For example, when the key evidence consists of “medical or personal

records” that are in the possession of the claimant, and the claimant “simply fails to provide them,”
the plan administrator is not necessarily at fault if it proceeds to rule against the claimant for lack
of evidence supporting his claim. See Boysen v. Illinois Tool Works Inc. Separation Pay Plan, 767
F. App’x 799, 811 (11th Cir. 2019); Dreyer, 459 F. Supp. 2d at 684 (“In light of defendants’ many
requests for additional information [including recent medical documentation], it is to Dreyer’s
detriment that she did not submit evidence that she was unable to perform the essential functions
as an administrative assistant.”). “[T]he primary responsibility for providing medical evidence to
support a claimant’s theory rests with the claimant.” Harrison, 773 F.3d at 24.
Here, the record shows that defendant engaged in the meaningful dialogue necessary to
substantially comply with the full-and-fair-review requirement, and it did not shut its eyes to any

obvious sources of proof. Gardiner corresponded diligently with plaintiff to inform him of what
information plaintiff needed to gather and submit in order to obtain disability pension benefits. In
his August 19, 2019 email, Gardiner informed plaintiff that he would need to submit information
that permitted the Fund to “tie the exact date of the disability to on the job injury” or else to
demonstrate “what [evidence] Social Security based their determination on,” including “medical
records.” (Admin. R. Ex. A, Aug. 19, 2019 Email from Gardiner to Pl., ECF No. 13-1 at 12.) The
following day, after plaintiff had sent his Notice of Award, Gardiner informed plaintiff that since
that document did not “tie the exact date of the disability to an on the job accident/injury,” plaintiff
would need to show “what Social Security based their determination on,” including, for example,
“medical records Social Security used in making their determination.” (Id., Aug. 20, 2019 Email
from Gardiner to Pl., ECF No. 13-1 at 4.) Plaintiff submitted additional information, and on
September 6, 2019, Gardiner responded he did not “see any mention of a specific date of injury
that [the Fund] can tie to a job,” he did not see any “documentation” sufficient to show why the

SSA had determined that he was disabled (“Were you determined disabled because of the 2
shoulder injuries? Was it due to the back and neck issues?”), and the bottom line was that “there
[was] not enough information to tie the disability to an on the job accident.” (Id., Sep. 6, 2019
Email from Gardiner to Pl., ECF No. 13-1 at 17.) Two weeks later—on his own initiative—
Gardiner followed up to ask if plaintiff had obtained additional information. After the Fund denied
plaintiff’s application, Gardiner emailed plaintiff to inform him again that the information he had
provided to that point, including Dr. Cordes’s February 2020 letter, was “insufficient to tie [his]
disability to a specific work injury.” (Id., Ex. A, Apr. 2, 2020 Email from Gardiner to Pl., ECF No.
13-1 at 57.) If he wanted to appeal to the Board of Trustees, Gardiner explained, plaintiff should
“provid[e] what ever [sic] additional information [he could] put together to support [his] claim,”

and “[k]eep in mind” that this was his only opportunity to appeal, so he should “gather all pertinent
information and . . . present [his] case.” (Id.). Based on these repeated warnings, plaintiff was
sufficiently informed about what sort of information the Fund and, ultimately, the Trustees wanted
him to provide. If he did not provide it, he can hardly blame the Fund.
Plaintiff suggests that it was not enough for the Fund to inform plaintiff that he had to
submit more information to tie his disability to a specific on-the-job accident; rather, according to
plaintiff, the Fund was required to take the additional step of gathering more information by, for
example, contacting Dr. Cordes—through Gardiner or the Trustees—to better understand the basis
for his opinion. But in the circumstances of this case, the Court fails to see why a full and fair
review required the Trustees to seek further information from Dr. Cordes or any other source, such
as plaintiff’s former employers, worker’s compensation claims handlers, or the SSA. Gardiner
repeatedly informed plaintiff that he should provide medical records to tie his disability to an on-
the-job accident, and plaintiff provided Dr. Cordes’s letters and extensive medical records

documenting his treatment and therapy in 2018. So, the Trustees had received Dr. Cordes’s input,
and they had medical records of plaintiff’s treatment in 2018, in the time period surrounding his
SSDI proceedings. This was information of the kind that they needed: facts about plaintiff’s
condition, particularly in 2018, so that they could determine whether the total and permanent
disability the SSA found in 2018 was “the result of” the left knee and left shoulder injuries he
suffered in the May 2014 on-the-job accident. Plaintiff has not explained, and the Court fails to
see, particularly given Gardiner’s repeated warnings, why the Trustees were not entitled to expect
that the evidence plaintiff provided was the best evidence on which to determine whether plaintiff’s
claim would stand or fall. See Dreyer, 459 F. Supp. 2d at 683 (citing Donato, 19 F.3d at 382).
Further, to the extent they needed help interpreting the records, they did seek it out by referring

the case to MRIoA for an independent medical review. To require more from them would be to
require them to “go fishing for evidence favorable to a claim when it has not been brought to their
attention that such evidence exists.” Gaither, 394 F.3d at 804.
This case is not like those cited above, in which the plan administrators had some
suggestion that a treating physician had relevant evidence that was missing from the record, knew
how to contact the physician, and simply did not do so. Cf. Harrison, 773 F.3d at 23; Gaither, 394
F.3d at 806. Nor is it one in which “the plan administrator was in a much better position” to obtain
and assess any information necessary to get to the bottom of things. Cf. Boysen, 767 F. App’x at
811 (plan administrator was better able to “identify and review [critical] internal information about
any restructuring at [claimant’s employer],” so case was unlike the “typical benefits case in which
the claimant has the necessary medical or personal records in his possession and simply fails to
provide them”).
The Trustees had substantial evidence before them, in the form of plaintiff’s medical

records and Dr. Sterling’s MRIoA opinion, to support their decision. See Davis, 444 F.3d at 576-
77, Williams, 509 F.3d at 324-25, O’Reilly, 272 F.3d at 963. Under the circumstances of this case,
they were entitled to rely on the evidence before them, rather than “scour the countryside” for
additional evidence, Harrison, 773 F.3d at 22, when it had not been “not been brought to their
attention that such evidence exists,” or, if it existed, that it would be material to their review.
Gaither, 394 F.3d at 804. Because there is substantial support for the Trustees’ decision, and it is
possible to offer a reasoned explanation for it based on the evidence, the decision was not arbitrary
and capricious on this ground.
C. Whether the Trustees Placed Too Much Weight on Absence of SSA Reasoning
Plaintiff makes two arguments based on the relevance of the SSDI proceedings. The first

is that the Trustees erred to the extent that they reasoned that plaintiff’s claim failed because he
had not proven that injuries sustained in the May 28, 2014 accident were what the SSA relied on
in determining that plaintiff was entitled to SSDI. According to plaintiff, the Plan does not require
any such proof. The second argument is that the record of plaintiff’s SSDI proceedings, including
the SSA’s disability determination, provide additional evidence that plaintiff’s disability was due
to the left shoulder injury, and, if the Trustees believed it necessary to their review, they should
have attempted to obtain it.
The undisputed facts do not support either of these arguments. First, in suggesting that the
Trustees required plaintiff to prove that the SSA relied on the May 28, 2014 accident in
determining that plaintiff was entitled to SSDI benefits, plaintiff misreads their decision. What
defendant has sought for plaintiff to prove throughout this process is that he became totally and
permanently disabled—i.e., entitled to SSDI benefits—as the result of a work-related injury. The
Trustees did not deny plaintiff’s application and appeal because he did not prove that the SSA

articulated the May 28, 2014 injury as the cause of his disability; they denied his application
because plaintiff did not either (a) establish that the SSA found that the injuries sustained in the
May 28, 2014 accident were the cause of his disability, or (b) adduce other evidence establishing
that the May 28, 2014 accident was the cause of his total and permanent disability. That was the
point of seeking the MRIoA review—it was not clear what the SSA had based its determination
on, so the Trustees had to determine whether other evidence, separate from the SSA determination,
showed that plaintiff had become disabled as a result of the May 28, 2014 accident. The Trustees
concluded that the evidence did not establish a close enough link between the May 28, 2014
accident and plaintiff’s inability to work in 2018, and, as the Court has explained, that conclusion
was not “downright unreasonable.”

As for the second argument, the Court has already explained at length that it finds no error
in the Trustees’ failure to seek additional information beyond what plaintiff provided them with.
Additionally, as defendant correctly argues, it would be improper to consider the substance of the
record of plaintiff’s SSDI proceedings when that information was not before the Trustees.
“Deferential review of an administrative decision means review on the administrative record,”
Perlman v. Swiss Bank Corp. Comprehensive Disability Prot. Plan, 195 F.3d 975, 981-82 (7th Cir.
1999), barring some showing of bias or a grave conflict of interest, Geiger, 195 F.3d at 365, which
is not present here.4 And finally, even if the Court were to consider the SSDI decision and other
documents from the SSDI proceedings here, as plaintiff urges, plaintiff does not explain, and the
Court fails to see, how this evidence is meant to have helped plaintiff. Plaintiff has not adduced
evidence in the SSDI proceedings that pointed clearly toward plaintiff’s left shoulder or left knee

as the cause of his disability. As plaintiff freely admits, the SSA had no need to determine whether
plaintiff’s disability related back to the May 2014 accident, and its decision sheds little light on
the question. (See Pl.’s LR 56.1 Stmt. Ex. 1, Jun. 25, 2019 Order of Admin. Law J., ECF No. 24-
2.) In fact, like Dr. Cordes’s letter, the written decision mentions numerous other health problems
from which plaintiff suffers, all or many of which apparently contributed to the determination that
plaintiff is disabled, so the decision muddies rather than clarifies the waters. (Id.) Plaintiff was told
to submit the medical records underlying the SSA determination, if he could not submit direct
evidence of the SSA’s reasoning, and he submitted extensive medical records. Plaintiff has not
explained, and the Court does not see, why the written SSA decision was better evidence of his
true medical condition or of the merit of his claim. His application received “effective review”

even without this evidence. See Siebert, 496 F. Supp. 3d at 1164-66 (citing cases).
The undisputed facts show that the Trustees’ decision was supported by substantial
evidence, it was not clearly erroneous, and it is possible to offer a reasoned explanation for the
outcome the Trustees reached. Therefore, there is no genuine issue of material fact as to whether
defendant’s decision was arbitrary and capricious, and summary judgment is appropriate in
defendant’s favor and against plaintiff.

4 The Court reiterates that the Fund is a multiemployer pension plan administered by a Board of
Trustees that is composed of an equal number of representatives of management and labor. In such
circumstances, there is no inherent danger of a structural conflict of interest. See Rabinak, 832
F.3d at 755 (citing Manny v. Cent. States, Se. & Sw. Areas Pension & Health & Welfare Funds,
388 F.3d 241, 243 (7th Cir. 2004)).
IV. Conclusion
For the reasons set forth above, the Court denies plaintiffs motion [24] for summary
judgment and grants defendant’s motion [17] for summary judgment. Civil case terminated.
SO ORDERED. ENTERED: December 30, 2021

HON. JORGE ALONSO
United States District Judge

25

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Source: Frix Law Library, https://www.frixlaw.com/law-library/cases/10145995. Public record. Not legal advice.