Yates v. Symetra Life Insurance Company

UNITED STATES DISTRICT COURT

EASTERN DISTRICT OF MISSOURI

EASTERN DIVISION

TERRI M. YATES, )

)

Plaintiff, )

)

v. ) No. 4:19-CV-154 RLW

)

SYMETRA LIFE INSURANCE CO., )

)

Defendant. )

MEMORANDUM AND ORDER

This closed case is before the Court on Plaintiff Terri M. Yates’ Motion to Alter or

Amend Judgment (ECF No. 56) under Rule 59(e), Federal Rules of Civil Procedure. Defendant

Symetra Life Insurance Company (“Symetra”) opposes the Motion and it is fully briefed. The

Court will grant Plaintiff’s Motion and reconsider its initial decision in this case. For the

following reasons, the Court concludes that Plaintiff is not required to exhaust administrative

remedies, that Symetra’s decision to deny accidental death benefits was erroneous, and that

Plaintiff’s claim is not barred by a policy exclusion. The Court will enter judgment in Plaintiff’s

favor.

I. Procedural Background

This removed case is an action for $50,000 in accidental death benefits under the

Employee Retirement Income Security Act of 1974 (“ERISA”), 29 U.S.C. §§ 1001, et seq.1

1Plaintiff’s state court Petition asserted a claim for breach of contract against Defendant Symetra

Life Insurance Company. (ECF No. 4.) The Court denied Plaintiff’s motion to remand this case to state

court, as it rejected her argument that the employee benefits group insurance policy at issue here is

exempt from ERISA’s coverage under the “safe harbor” provision, 29 C.F.R. § 2510.3-1(j), and

concluded the group insurance policy at issue is an ERISA benefit plan. See Mem. and Order of Sept. 27,

2019 (ECF No. 15.). See Mem. and Order of Sept. 27, 2019 (ECF No. 15). Plaintiff subsequently filed

an Amended Complaint asserting a claim under ERISA (ECF No. 26).

Plaintiff Terry M. Yates’ (“Plaintiff” or “Ms. Yates”) husband, Johnny Yates, died from a heroin

overdose on December 20, 2016, at the age of 50. At the time, Ms. Yates was a participant in an

ERISA employee benefits group insurance policy provided by her employer. As Ms. Yates’

spouse, Johnny Yates was an insured under the policy’s coverages for Life Insurance and

Accidental Death and Dismemberment. After her spouse’s death, Ms. Yates filed claims under

both coverages. Symetra paid the life insurance benefit but denied the accidental death benefit

on the ground that Mr. Yates’ death was excluded from coverage by an “intentionally self-

inflicted injury” policy exclusion “in view of the fact that the cause of death was due to the

insured’s intentional act of using Heroin[.]” (ECF No. 42-4 at 3.)

Symetra moved for summary judgment on Plaintiff’s ERISA claim for accidental death

benefits, asserting it is entitled to judgment based on Plaintiff’s failure to exhaust administrative

remedies and on the merits of the denial. The Court found that Plaintiff failed to exhaust

administrative remedies before filing suit and granted Symetra’s motion for summary judgment

on that issue. The Court did not reach the merits of Symetra’s denial and dismissed the case

without prejudice.

Plaintiff’s Rule 59(e) Motion asserts that the Court erred in holding that Plaintiff failed to

exhaust administrative remedies set forth only in Symetra’s denial of benefits letter, because the

ERISA plan document at issue did not include a review procedure to exhaust. The Court agrees

and will grant Plaintiff’s Rule 59(e) Motion, vacate its prior decision in this case, and address the

merits of Plaintiff’s denial of benefits claim.

II. Rule 59(e) Standard

“Motions under Rule 59(e) serve the limited function of correcting manifest errors of law

or fact or to present newly discovered evidence and cannot be used to introduce new evidence,

tender new legal theories, or raise arguments which could have been offered or raised prior to

entry of judgment.” Yeransian v. B. Riley FBR, Inc., 984 F.3d 633, 636 (8th Cir. 2021) (quoting

Ryan v. Ryan, 889 F.3d 499, 507 (8th Cir. 2018)). Rule 59(e) was adopted to clarify that “the

district court possesses the power to rectify its own mistakes in the period immediately following

the entry of judgment.” White v. New Hampshire Dep’t of Employment Sec., 455 U.S. 445, 450

(1982) (internal quotations omitted). District courts have broad discretion in deciding whether to

grant a motion under Rule 59(e). Innovative Home Health Care, Inc. v. P.T.-O.T. Assocs. of the

Black Hills, 141 F.3d 1284, 1286 (8th Cir. 1998).

Plaintiff does not raise entirely new arguments in her Rule 59(e) Motion but cites

additional case authorities, including out of circuit decisions and a federal regulation, in support

of the argument she has made from the outset: that a plan participant must exhaust only those

administrative remedies present in the plan document itself. As such, the Court finds Plaintiff’s

Rule 59(e) Motion is procedurally proper and now reconsiders it prior ruling and concludes

administrative exhaustion is not required.

III. Administrative Exhaustion

A. No Exhaustion is Required Because the Plan Documents Lack an Appeal Procedure

ERISA itself does not require a claimant to exhaust administrative remedies before suing

to obtain benefits. Conley v. Pitney Bowes, 34 F.3d 714, 716 (8th Cir. 1994). Because ERISA

provides for the administrative review of benefits, however, the Eighth Circuit requires a

claimant to “exhaust the administrative remedies required under the particular ERISA plan.”

Angevine v. Anheuser–Busch Cos. Pension Plan, 646 F.3d 1034, 1037 (8th Cir. 2011) (emphasis

added) (citing Chorosevic v. MetLife Choices, 600 F.3d 934, 941 (8th Cir. 2010)). The Eighth

Circuit has explained that the administrative exhaustion requirement—

serves many important purposes, including “giving claims administrators an

opportunity to correct errors, promoting consistent treatment of claims, providing

a non-adversarial dispute resolution process, decreasing the cost and time of

claims resolution, assembling a fact record that will assist the court if judicial

review is necessary, and minimizing the likelihood of frivolous lawsuits.”

Id. (quoting Galman v. Prudential Ins. Co. of Am., 254 F.3d 768, 770 (8th Cir. 2001)).

The Eighth Circuit excuses a beneficiary from the exhaustion requirement in certain

limited circumstances. Brown v. J.B. Hunt Transp. Servs., Inc., 586 F.3d 1079, 1085 (8th Cir.

2009). ERISA participants have not been required to exhaust administrative remedies prior to

filing suit when “an ERISA-governed plan fails to comply with its antecedent duty under § 1133

to provide participants with notice and review,” id.; “when the available review procedures

neither complied with ERISA’s fiduciary review requirements nor applied to the specific

claimants,” Wert v. Liberty Life Assur. Co. of Boston, Inc., 447 F.3d 1060, 1064 (8th Cir. 2006);

or if exhaustion of remedies would prove futile, which is a narrow exception. Brown, 586 F.3d

at 1085.

In this case, the parties agree that neither the Symetra Group Insurance Policy provided to

Phelps County Bank nor the Employee Benefits Insurance Certificate provided to the Bank’s

employees includes an exhaustion requirement. The Court finds that the Group Insurance Policy

and the Employee Benefits Insurance Certificate constitute the plan documents, as these are the

only documents in the record that could be considered plan documents, and Symetra has not

provided any other documents that it contends are plan documents.

In moving for summary judgment, Symetra contends Plaintiff was required to exhaust the

administrative appeal procedure set forth in letter that denied her claim. Plaintiff responds that

exhaustion was not required because Symetra’s Group Insurance Policy does not include a

review procedure to exhaust, and the Eighth Circuit does not permit an ERISA plan

administrator or court to impose extra-contractual terms.

The Court concludes that because Symetra did not include any internal claims review

procedure in its plan documents, the plan does not include a contractual exhaustion requirement

and Symetra cannot impose such a requirement on Plaintiff.

Symetra argues it was not required to include the appeal procedure in its plan documents

because it detailed those procedures in its benefits denial letter to Plaintiff. “But ‘one of

ERISA’s central goals is to enable beneficiaries to learn their rights and obligations at any time,’

including before a denial of benefits, and Congress required plans to be ‘established and

maintained pursuant to a written instrument’ that enabled beneficiaries to determine those rights

and obligations ‘on examining the plan documents.’” Wallace v. Oakwood Healthcare, Inc., 954

F.3d 879, 887-888 (6th Cir. 2020) (citing Curtiss-Wright Corp. v. Schoonejongen, 514 U.S. 73,

83 (1995) (quoting 29 U.S.C. § 1102(a)(1); and then quoting H.R. Rep. No. 93-1280, at 297 H.R.

Rep. No. 93-1280, at 297 (1974)). In Wallace, the Sixth Circuit held that for a plan fiduciary to

avail itself of the judicially created exhaustion requirement, “its underlying plan document

must—at minimum—detail its required internal appeal procedures.” Id. at 888.2

The Sixth Circuit’s holding in Wallace appears to be in accord with Eighth Circuit

precedent, although the Eighth Circuit has not directly addressed the issue presented in this case.

In Conley, the Eighth Circuit stated that the ERISA exhaustion doctrine is “a creature either of

contract or judicial invention. We have required exhaustion in ERISA cases only when it was

required by the particular plan involved.” 34 F.3d at 716 (emphasis added, citing cases.) For

instance, the full Eighth Circuit held that retirees were not required to exhaust an arbitration

2The Sixth Circuit’s holding in Wallace was in the context of the “deemed exhausted” provision

of 29 C.F.R. 2560.503-1(l) (2003).

procedure under an ERISA plan that did not include explicit plan language extending the plan’s

arbitration requirement to retirees as a class of participants. Anderson v. Alpha Portland Indus.,

Inc., 752 F.2d 1293, 1295 (8th Cir. 1985) (en banc).

The Eighth Circuit has consistently emphasized the importance of the written language of

ERISA plans and enforced plans as written. This is in accord with the Supreme Court’s

instruction that ERISA is “built around reliance on the face of written plan documents,” Curtiss-

Wright Corp., 514 U.S. at 83, and that “[t]he plan, in short, is at the center of ERISA.” US

Airways, Inc. v. McCutchen, 569 U.S. 88, 101 (2013). The Eighth Circuit has refused to permit

an ERISA claimant to rely on an oral collective bargaining agreement to claim benefits that were

not set forth in the written terms of a welfare benefit plan. See United Paperworkers Int’l Union,

AFL-CIO v. Jefferson Smurfit Corp., 961 F.2d 1384, 1386 (8th Cir. 1992) (“The ERISA

requirement that terms of a welfare benefit plan be committed to writing was intended to insure

that employees could rely on the terms of the formal written plan provided to them without fear

that unwritten, contrary terms would later surface.”).

Applying similar reasoning, the Eighth Circuit declined to apply a common law equitable

doctrine to alter the express terms of a written ERISA plan in order to reduce a plan

administrator’s entitlement to subrogation. See Admin. Comm. of Wal-Mart Stores, Inc.

Assocs.’ Health & Welfare Plan v. Shank, 500 F.3d 834, 838-39 (8th Cir. 2007) (“[W]hile

ERISA is designed to protect the interests of plan participants and beneficiaries, those interests

are specified by the written plan. ERISA’s ‘repeatedly emphasized purpose [is] to protect

contractually defined benefits.’ [Mass. Mut. Life Ins. Co. v.] Russell, 473 U.S. [134] at 148

[(1985)] (emphasis added).”). The Eighth Circuit stated, “ERISA’s mandate that ‘[e]very

employee benefit plan shall be established and maintained pursuant to a written instrument,’ 29

U.S.C. § 1102(a)(1), establishes the primacy of the written plan.” Id. at 839.

Applying these authorities and principles to the present case, the Court concludes that

Plaintiff was not required to exhaust administrative appeal procedures prior to filing this action,

because the written plan documents did not contain any appeal procedures to exhaust. See

Conley, 34 F.3d at 716; see also Wallace, 954 F.3d at 888. Symetra cannot add new appeal

procedures by including them in the benefits denial letter it sent to Plaintiff, because this would

be contrary to the terms of the formal written plan. See United Paperworkers, 961 F.2d at 1386.

B. Alternatively, Plaintiff’s Claim is Deemed Exhausted

In addition to the exceptions to the administrative exhaustion requirement developed in

Eighth Circuit case law, ERISA regulations establish an additional exception:

In the case of the failure of a plan to establish or follow claims procedures

consistent with the requirements of this section, a claimant shall be deemed to

have exhausted the administrative remedies available under the plan and shall be

entitled to pursue any available remedies under section 502(a) of the Act on the

basis that the plan has failed to provide a reasonable claims procedure that would

yield a decision on the merits of the claim.

29 C.F.R. 2560.503-1(l) (2003) (emphasis added). The ERISA regulations require a plan to

“establish and maintain a procedure by which a claimant shall have a reasonable opportunity to

appeal an adverse benefit determination to an appropriate named fiduciary of the plan, and under

which there will be a full and fair review of the claim and the adverse benefit determination.” 29

C.F.R. § 2560.503-1(h)(1) (2003); see also 29 U.S.C. § 1133 (requiring employee benefit plans

to allow participants whose claims have been denied “a reasonable opportunity . . . for a full and

fair review by the appropriate named fiduciary of the decision denying the claim”).

Symetra cannot meet ERISA’s requirements of providing for full and fair review of

claims and adverse benefit determinations by including appeal procedures only in its denial

letter. As stated above, “The ERISA requirement that terms of a welfare benefit plan be

committed to writing was intended to insure that employees could rely on the terms of the formal

written plan provided to them without fear that unwritten, contrary terms would later surface.”

United Paperworkers, 961 F.2d at 1386; see Curtiss-Wright Corp., 514 U.S. at 83 (1995) (“[a]

written plan is to be required in order that every employee may, on examining the plan

documents, determine exactly what his rights and obligations are under the plan.”) (quoting H.R.

Rep. No. 93-1280, at 297 H.R. Rep. No. 93-1280, at 297 (1974)). It is fundamental that ERISA

“establishes the primacy of the written plan.” Admin Comm. of Wal-Mart Stores, 500 F.3d at

839.

Symetra’s plan documents do not contain any information about review procedures or

remedies available for denied claims. Under Section 503 of ERISA, an employee benefit plan

must provide participants “a reasonable opportunity” for their claim denials to receive “a full and

fair review by the appropriate named fiduciary of the decision denying the claim.” 29 U.S.C.

§1133. A plan document that does not include information about internal appeal procedures

cannot satisfy ERISA’s requirement “that it ‘sufficiently accurate[ly] and comprehensive[ly]’

describe the terms of the plan and regulatory dictates that it include procedures for reviewing

denied claims, remedies available for denied claims, and procedures required under Section

503.” Wallace, 954 F.3d at 889 (citing 29 U.S.C. § 1022(a); 29 C.F.R. § 2520.102-3(s) (2001)).3

Without such information, Symetra’s plan document does not meet legal requirements, and the

Court concludes in the alternative that Plaintiff is deemed “to have exhausted the administrative

remedies available under the plan.” See 29 C.F.R. § 2560.503-1(l).

3But see Holmes v. Colo. Coal. for Homeless Long Term Disability Plan, 762 F.3d 1195, 1211-13

(10th Cir. 2014) (holding the “deemed-exhausted provision [of 29 C.F.R. 2560.503-1(l)] is limited to

instances in which the notice and disclosure deficiencies actually denied the participant a reasonable

review procedure.”).

Because Plaintiff’s claim is not barred as a result of a failure to exhaust administrative

remedies, the Court will deny Symetra’s motion for summary judgment on this ground and turns

to Symetra’s argument that it did not err in denying Plaintiff’s claim for accidental death

benefits.

IV. Scope of Review and Legal Standards

The general rule in cases challenging the denial of employee benefits under ERISA

§ 502(a)(1)(B) is that a district court reviews the plan administrator’s decision de novo, unless

the plan gives the administrator discretionary authority to determine participants’ eligibility for

benefits, in which case the court must apply the highly deferential arbitrary and capricious

standard of review. Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 115 (1989); King v.

Hartford Life & Acc. Ins. Co., 414 F.3d 994, 998-99 (8th Cir. 2005) (en banc). Whether a

benefits plan grants discretionary authority is determined by reference to the plan’s specific

language. The Eighth Circuit requires “explicit discretion-granting language” to appear in a

policy or other plan documents in order to trigger a deferential standard of review, McKeehan v.

Cigna Life Ins. Co., 344 F.3d 789, 793 (8th Cir. 2003), but it does not require the policy to use

the word “discretion.” Hankins v. Standard Ins. Co., 677 F.3d 830, 835 (8th Cir. 2012). Here,

the parties agree that no explicit discretion-granting language is found in the Symetra plan

document and therefore the Court’s review of Symetra’s decision is de novo.

Where judicial review of the administrator’s decision is de novo, the reviewing court

does not give any deference to the administrator’s decision and makes its own determination

whether the employee is entitled to benefits under the plan. See Davidson v. Prudential Ins. Co.

of Am., 953 F.2d 1093, 1095 (8th Cir. 1992) (citing Bruch, 489 U.S. at 110-15). The Eighth

Circuit has “interpreted Bruch to mean that unless the plan language specifies otherwise, courts

should construe any disputed language without deferring to either party’s interpretation.”

Brewer v. Lincoln Nat’l Life Ins. Co., 921 F.2d 150, 153-54 (8th Cir. 1990) (internal quotation

marks and quoted case omitted). “[A] federal court may apply other aspects of the federal

common law developed under ERISA to construe disputed terms in a plan[.]” King, 414 F.3d at

998 (internal citations omitted). Further, a court should review the employee’s claims as it

would “any other contract claim.” Wallace v. Firestone Tire & Rubber Co., 882 F.2d 1327, 1329

(8th Cir. 1989) (quoting Bruch, 489 U.S. at 112-13).

A plaintiff suing under ERISA to recover benefits due generally has the burden to prove

entitlement to contractual benefits. See Farley v. Benefit Trust Life Ins. Co., 979 F.2d 653, 658

(8th Cir. 1992). The insurer, however, has the burden to establish that a specific policy exclusion

applies to deny the insured benefits and prevents coverage. Nichols v. Unicare Life and Health

Ins. Co., 739 F.3d 1176, 1184 (8th Cir. 2014) (citing Farley, 979 F.2d at 658).

Admission of evidence outside the administrative record is generally discouraged on de

novo review, Ferrari v. Teachers Ins. & Annuity Ass’n, 278 F.3d 801, 807 (8th Cir. 2002), but a

court may admit additional evidence “if there is good cause to do so.” Avenoso v. Reliance Std.

Life Ins. Co., 19 F.4th 1020, 1026 (8th Cir. 2021) (quoting King, 414 F.3d at 998). A showing

of good cause is required “to ensure expeditious judicial review of ERISA benefit decisions and

to keep district courts from becoming substitute plan administrators[.]” Donatelli v. Home Ins.

Co., 992 F.2d 763, 765 (8th Cir. 1993). Accordingly, a district court should not exercise its

discretion to admit additional evidence in the absence of good cause. Id. Good cause may exist,

for example, where additional evidence is necessary for adequate de novo review. Id.; see, e.g.,

Weber v. Saint Louis Univ., 6 F.3d 558, 561 (8th Cir. 1993) (district court abused its discretion

by refusing to allow discovery and receive additional evidence as to the date plaintiff’s disability

began, where there was insufficient evidence in the record on the issue to sustain a judgment for

either party).

Here, Plaintiff has not shown good cause for the Court to consider on de novo review the

three exhibits she submitted for the first time in federal court. The most significant of these is

Plaintiff’s affidavit (ECF No. 46-3), which was created well after this action was filed. The

affidavit contains evidence that was known or should have been known to Plaintiff during the

administrative proceeding. If Plaintiff believed this evidence was necessary for Symetra to make

a proper benefits determination, she should have submitted it to Symetra while her claim was

being reviewed. See Davidson, 953 F.2d at 1095 (district court did not abuse its discretion in

refusing to consider additional evidence, created after litigation had begun, that was known or

should have been known to plaintiff during administrative proceedings). The other exhibits are

an email from the Phelps County Coroner addressed to “Benefits L&DI Claims” dated March 30,

2017 (ECF No. 46-1) which states that the Coroner did not personally investigate or author the

report on Mr. Yates’ death; and a printout from Missouri Case.net that shows a traffic charge

against Mr. Yates from 2012 (ECF No. 46-2). This evidence was also known or should have

been known to Plaintiff during the administrative proceeding, and the Court finds Plaintiff’s

proffered exhibits are not necessary for adequate de novo review of the merits of her claim.

V. The Administrative Record4

4The Court overrules Plaintiff’s objection that documents from the administrative record

constitute inadmissible hearsay. The Court’s review is “limited only by what was available to the plan

administrator, not by the Federal Rules of Evidence. See Black v. Long Term Disability Ins., 582 F.3d

738, 746 n.3 (7th Cir. 2009) (‘The Federal Rules of Evidence, however, do not apply to an ERISA

administrator’s benefits determination, and we review the entire administrative record, including hearsay

evidence relied upon by the administrator.’); see also Jett v. Blue Cross & Blue Shield of Ala. Inc., 890

F.2d 1137, 1139 (11th Cir.1989) (noting that administrator’s determination is ‘based upon the facts as

known to the administrator at the time the decision was made’).” Herman v. Hartford Life & Acc. Ins.

Co., 508 F. App’x 923, 928 (11th Cir. 2013) (unpublished per curiam).

The administrative record before the Court establishes the following facts: A Group

Insurance Policy (the “Policy’) Symetra delivered to Phelps County Bank offered different types

of coverage for the bank’s eligible employees and their dependents. (See ECF No. 6-1.) An

Employee Benefits Insurance Certificate (ECF No. 42-1) provided to Phelps County Bank’s

employees “summarizes the major parts of the policy under which [they] are insured.” (Id. at 4.)

As previously stated, the Court finds that the Policy and the Employee Benefits Insurance

Certificate are the plan documents.

As an employee of Phelps County Bank, Plaintiff was a participant in the employer-

sponsored ERISA plan. As Plaintiff’s spouse, Johnny Yates was insured for Dependent Life

Insurance and Accidental Death and Dismemberment coverage.

Under the Policy, Symetra will pay an Accidental Death benefit for loss of life due to

“injury.” (ECF No. 6-1 at 13.) The Policy defines “injury” as “accidental bodily injury which is

a sudden and unforeseen event, definite as to time and place” (id. at 16, ¶ 9), but does not define

the terms “unforeseen,” “accident” or “accidental.” The Accidental Death benefit of the Policy

contains several exclusions, including the one at issue here: “Symetra will not pay for any loss

caused wholly or partly, directly or indirectly, by: . . . intentionally self-inflicted injury, which

[sic] sane.” (Id. at 13.) The Policy does not define the term “intentionally.”

A document titled “Coroner Info Request” (ECF No. 42-2) states that on December 20,

2016, Johnny Yates’ parents discovered him dead in his bedroom, lying on the floor face down.5

(Id. at 1.) Detective Meyer of the Rolla Police Department was the investigating officer (id.),

and Det. Meyer and the acting Coroner, George Arnold, responded to the scene. (Id. at 3.) They

rolled Mr. Yates’ body over and found a hypodermic needle. (Id.) The “bed was made and the

5The record does not disclose who authored the Coroner Info Request, which was dated the same

day that Mr. Yates’ body was found, December 20, 2016.

blanket was partially pulled back as if he was going to get into bed.” (Id. at 1.) They observed a

needle plunger cap, needle cap, and medication bottle cap with a dried light brown substance

inside on the nightstand. (Id. at 1-2.) The unknown author states, “During the investigation I

found that Yates was a reported heroin user” (id. at 1) and, “While looking at Yates[’] body, I

found bruising along the inside of his forearms that was on top of veins. I also located bruising

on the right and lower left abdominal area. I suspect that these were injection sites for heroin.”

(Id. at 2.)

The author concluded, “Based on the evidence at hand I suspect that Yates went to his

room and planned on injecting a substance, most likely heroin, right before going to bed. Yates

accidentally overdosed while sitting on the edge of the bed and fell forward on the floor, face

down. Yates then passed away due to an accidental overdose. Blood work was requested and

this investigation will remain open until Yates’ blood is analyzed.” (Id. at 2.)

A Toxicology Report prepared by NMS Labs of Willow Grove, Pennsylvania, states that

Mr. Yates’ blood tested positive for the following compounds:

Codeine - Free 9.8 ng/mL

Morphine - Free 200 ng/mL

6-Monoacetylmorphine - Free 2.6 ng/mL

(ECF No. 42-3 at 1-2.) The Toxicology Report’s Reference Comments state in part that

Codeine - Free is a DEA Schedule III narcotic analgesic with central nervous system depressant

activity, Morphine - Free is a DEA Schedule II narcotic analgesic, and 6-Monoacetylmorphine -

Free is the 6-monoacetylated form of morphine, which is generally indicative of heroin

(diacetylmorphine) use. (Id. at 2.)

Following Mr. Yates’ death, Symetra paid Plaintiff’s claim for spousal life insurance

benefits but denied her claim for Accidental Death benefits by letter dated June 27, 2017 (the

“Denial letter”) (ECF No. 42-4). The Denial letter stated:

We have completed our review of your claim for the additional Supplemental

Spouse Accidental Death benefit and have determined it is not payable because

Mr. Yates’ loss is not covered under the Policy. Please allow us to explain.

We used the following information in order to review your claim for benefits:

1. The state of Missouri Certificate of Death; 6

2. Synopsis of investigation by Coroner including toxicology results.

The Death Certificate states Mr. Yates’ cause of death was Heroin Overdose. The

Coroner Info Request stated Mr. Yates was found deceased in his bedroom. A

hypodermic needle and medication bottle cap with a dried light brown substance

were located in his bedroom. It was also stated that he was a reported heroin user.

The Toxicology Report states the following drug levels were detected in Mr.

Yates’ blood:

Source: Cardiac Blood

Codeine- Free 9.8 ng/mL

Morphine- Free 200 ng/mL

6-Monoacetylmorphine- Free 2.6 ng/mL

Under Accidental Death and Dismemberment provision, the policy states, in part:

“Benefit

Symetra will pay if an employee suffers any of the following losses due to injury

and meets all of the stated Conditions.

The benefit amount is expressed as a percentage of the amount shown in the

Schedule.

Loss Benefit Amount

Loss of Life 100%...”

6Mr. Yates’ Death Certificate is not in the record.

The policy also contains the following exclusion under the Accidental Death and

Dismemberment Insurance provision:

“Exclusions:

Symetra will not pay for any loss caused wholly or partly, directly or indirectly,

by:

. . . (d) intentionally self-inflicted injury, while sane;…”

Consumption of Heroin is a voluntary act. Mr. Yates used Heroin and

subsequently passed away while under the influence of the Heroin due to an

overdose. Under the law, when it is reasonable that the insured would have

foreseen that using an illegal drug and being under the influence of Heroin could

result in death or serious bodily harm, the cause of death is not accidental. In this

case, in view of the fact that the cause of death was due to the insured’s

intentional act of using Heroin, this event cannot be considered “accidental” or

“unintentional” (see contract provisions set forth above). Therefore, Symetra

finds that the Accidental Death benefit is not payable.

(ECF No. 42-4 at 1-2) (emphasis added). The Denial letter does not cite any case law in support

of its reasoning.

VI. Discussion

Symetra moves for summary judgment on the merits of Plaintiff’s claim for Accidental

Death benefits and asserts that Plaintiff cannot prove its decision to deny her claim for benefits

under the policy is wrong.7 Symetra’s contention is that because Mr. Yates voluntarily injected

heroin, which caused his death by overdose, his death was not an accident and was an

intentionally self-inflicted injury that is expressly excluded from coverage. (ECF No. 41 at 8.)

A. Mr. Yates’ Death was Accidental Under the Policy

As previously stated, the Policy does not define the term “accident” but defines “injury”

as “accidental bodily injury which is a sudden and unforeseen event, definite as to time and

place.” The Policy also does not define “unforeseen.” It is not clear from the Denial letter

whether Symetra determined that Mr. Yates’ death was not accidental under its interpretation of

7Plaintiff did not file a cross-motion for summary judgment.

the definition of accidental death, or whether it determined that Mr. Yates’ death fell within the

intentionally self-inflicted injury exclusion, or both.8 As a result, the Court will discuss both

whether Mr. Yates’ death was accidental and whether it fell within the Policy exclusion.

It is apparent that Symetra’s Denial letter uses different language than the Policy’s

Accidental Death benefits coverage, although the Denial letter makes reference to Policy

language. The Policy defines “injury” as “accidental bodily injury which is a sudden and

unforeseen event, definite as to time and place.” Because the Policy does not define the term

“unforeseen,” it is appropriate to use a dictionary to give the word its ordinary meaning. King,

414 F.3d at 1015 (Gruender, J., dissenting) (citing Cash v. Wal-Mart Group Health Plan, 107

F.3d 637, 643-44 (8th Cir. 1997)). Merriam Webster’s Dictionary defines “unforeseen” as “not

anticipated or expected: not foreseen: unexpected.”9

In contrast, the Denial letter states that the cause of death is not an accident “when it is

reasonable … the insured would have foreseen that using an illegal drug … could result in death

or serious bodily harm[.]” There is a fine but meaningful distinction between the Policy term

“unforeseen event,” and the Denial letter’s explanation that when a “reasonable” person “would

have foreseen” that injury could result from an action, the “event cannot be considered

‘accidental’ or ‘unintentional.’” This distinction will be discussed infra.

In support of its decision to deny benefits, Symetra relies primarily on an unpublished

district court decision from the Western District of Missouri that applied a four-factor test,

originally articulated by a Michigan district court in 1991, to determine whether a policy

exclusion for self-inflicted injuries applied to an overdose death. See Schmidt v. Metro. Life Ins.

8Symetra’s summary judgment briefing appears to rely exclusively on the Policy’s intentionally

self-inflicted injury exclusion.

9Merriam Webster Dictionary, https://www.merriam-webster.com/dictionary/unforeseen (last

visited Dec. 30, 2021).

Co., 2009 WL 2982918, at *6 (W.D. Mo. Sept. 14, 2009) (citing Holsinger v. New England Mut.

Life Ins. Co., 765 F. Supp. 1279 (E.D. Mich. 1991)). The Holsinger factors as applied by the

court in Schmidt are: “(1) Was the ingestion intentional?; (2) Did the insured know that the

ingestion would be likely to cause an injury?; (3) Did the ingestion cause an injury?; and (4) Did

the loss result from the injury?” 2009 WL 2982918, at *6 (citing cases). Symetra contends that

under the Holsinger test, Plaintiff’s claim was properly denied because Mr. Yates intentionally

injected heroin, he knew it was likely to cause an injury, and it caused his death.

The Court declines to apply the Holsinger test. The test has been criticized by numerous

courts, including the district court that initially articulated it. See Jessen v. CIGNA Group Ins.,

812 F.Supp.3d 805, 819 (E.D. Mich. 2011) (“As many other courts have observed, the Holsinger

standard cannot be correct.” (cited cases omitted)). “Rather than focusing on intentional

ingestion of the drug, the inquiry must focus on whether the action is purposeful towards a goal.”

Id. (cited case omitted) (emphasis added). The district court in Jessen also correctly observed

that a subsequent Sixth Circuit decision “casts doubt on the validity of the formulation of the

self-inflicted injury exception suggested by the Court in Holsinger.” Id. (citing Kovach v. Zurich

Am. Ins. Co., 587 F.3d 323, 339 (6th Cir. 2009)).10

The Eighth Circuit has used the widely accepted test from Wickman v. Northwestern

National Insurance Co., 908 F.2d 1077, 1088 (1st Cir. 1990), “as a framework for discerning the

10In Kovach, the Sixth Circuit adopted the Wickman standard, followed the Eighth Circuit’s

reasoning in King, and held that denial of a claim for accidental dismemberment benefits on the basis of

the self-inflicted injury exception was arbitrary and capricious where the insured “acted intentionally in

drinking to excess and then riding his motorcycle” but “nothing in the record indicates he did so with a

mind toward harming himself.” Kovach v. Zurich Am. Ins. Co., 587 F.3d 323, 337, 339 (6th Cir. 2009).

The Sixth Circuit said the plan administrator’s “interpretation of the exclusion in question conflates

intentional actions with intentional results,” id. at 339, and explained that the insured’s “injuries . . . were

the result of the collision, not simply a consequence of his acts of drinking and driving.” Id. The Sixth

Circuit’s analysis in Kovach and adoption of Wickman does not appear compatible with the Holsinger

test.

meaning of ‘accident,’” McClelland v. Life Insurance Co. of North America, 679 F.3d 755, 758

n.2 (8th Cir. 2012), and has applied it in a number of cases where parties have asserted it is the

appropriate standard to review the denial of ERISA benefits. See, e.g., Nichols, 739 F.3d 1176;

King, 414 F.3d 994. Although the Eighth Circuit has not expressly adopted the Wickman test,

the Court finds it should be applied here.

Under Wickman, “an event is an accident if the decedent did not subjectively expect to

suffer ‘an injury similar in type or kind to that suffered’ and the suppositions underlying that

expectation were reasonable.” Nichols, 739 F.3d at 1182 (quoting Wickman, 908 F.2d at 1088).

“The determination of what suppositions are unreasonable should be made from the perspective

of the insured, allowing the insured a great deal of latitude and taking into account the insured’s

personal characteristics and experiences.” McClelland, 679 F.3d at 758 n.2 (quoting Wickman,

908 F.2d at 1088). “If the evidence is insufficient to determine the decedent’s subjective

expectation, the question is then whether ‘a reasonable person, with background and

characteristics similar to the insured, would have viewed the injury as highly likely to occur as a

result of the insured’s intentional conduct.’” Id. (quoting Wickman, 908 F.2d at 1088).

Symetra’s Denial letter provides no indication that it attempted to ascertain Mr. Yates’

subjective expectations or whether a reasonable person in his position would have viewed his

death as highly likely to occur as a result of injecting heroin. The administrative record is devoid

of evidence that Mr. Yates subjectively expected to die of an overdose when he injected heroin.

There is no evidence of his personal characteristics and experiences, that he had suicidal

thoughts, made any statements concerning an intent to commit suicide, or had a history of

suicidal thoughts or attempts. There is also no physical evidence of suicidal intent, such as a

suicide note. Mr. Yates’ body was found face-down on the floor of his bedroom, where he

apparently fell after injecting the heroin. His bed had been made and was partially turned down,

as if he was preparing to go to sleep. The Coroner Info Request’s conclusion that Mr. Yates died

of an accidental overdose is not controlling, but nothing in the Request supports the theory that

Mr. Yates subjectively expected to die when he injected heroin. The evidence here is

insufficient to determine Mr. Yates’ subjective expectations.11

The Court now considers “whether ‘a reasonable person, with background and

characteristics similar to the insured, would have viewed the injury as highly likely to occur as a

result of the insured’s intentional conduct.’” McClellan, 679 F.3d at 758 n.2 (quoting Wickman,

908 F.2d at 1088). Symetra argues that Mr. Yates was 50 years old, “not a youth experimenting

with drugs” and was a “known user of heroin” (ECF No. 41 at 12), and thus it was “reasonable”

he “would have foreseen that using an illegal drug and being under the influence of heroin could

result in death or serious bodily harm.” (ECF No. 42-4 at 2.)

There is no evidence in the administrative record on the likelihood of death following

heroin injection in the general United States population, for 50-year-old males or otherwise.

Symetra’s briefing characterizes Mr. Yates as a “long-time user of heroin” and a “known heroin

user.” There is no evidence in the administrative record to support that Mr. Yates was a long-

term heroin user. Even if the Court were to accept this unsupported speculation, it would not

establish that a reasonable 50-year-old person who was a long-time user, or a “known user” of

heroin, would have viewed death as highly likely to occur as a result of the intentional decision

to inject heroin. Instead, this would tend to prove that a reasonable person who used heroin on a

long-term basis, or was a known heroin user, would not have viewed death as highly likely to

11The Court is mindful that Symetra did not contend Mr. Yates committed suicide, but evidence

that he intended to die when he injected heroin—or the lack of any evidence that he intended to do so—is

relevant to the first portion of the Wickman test, whether “the decedent did not subjectively expect to

suffer ‘an injury similar in type or kind to that suffered’ and the suppositions underlying that expectation

were reasonable.” Nichols, 739 F.3d at 1182.

occur as a result of injecting heroin, because the person would have done so successfully in the

past. See Nichols, 739 F.3d at 1183 (“[T]he objective evidence tended to show that [decedent]

had been ingesting a combination of prescribed medication for some time, and under these

circumstances, a reasonable person with [decedent’s] characteristics would not have viewed

death as highly likely to occur.”); see also Padfield v. AIG Life Ins. Co., 290 F.3d 1121, 1127

(9th Cir. 2002) (where decedent had a history of engaging in autoerotic behavior and surviving

it, there was nothing to suggest he subjectively expected otherwise; holding the death was

“accidental” within the meaning of the policy). It also ignores common sense to suggest that all

middle-aged males who inject heroin should reasonably expect to die as a result.

When reviewing an ERISA plan de novo, a court must interpret the terms of the plan by

“‘giving the language its common and ordinary meaning as a reasonable person in the position of

the [plan] participant, not the actual participant, would have understood the words to mean.’”

Adams v. Continental Cas. Co., 364 F.3d 952, 954 (8th Cir. 2004) (quoting Hughes v. 3M

Retiree Med. Plan, 281 F.3d 786, 789-790 (8th Cir. 2002)). The Policy defines “injury” to mean

“accidental bodily injury which is a sudden and unforeseen event, definite as to time and place,”

but does not define “unforeseen,” “accident” or “accidental.” As noted above, there is a

meaningful difference between an “unforeseen event,” i.e., an event that is not anticipated or

expected, and Symetra’s interpretation of accidental injury as set forth in the Denial letter and as

argued in its briefing.

Under Symetra’s interpretation, an accidental injury excludes any event that is

foreseeable by a reasonable person, i.e., that is reasonably foreseeable. This is a far broader

standard than the Policy’s language of an unforeseen event or, under Wickman, an event that is

reasonably viewed as “highly likely to occur.” Symetra’s interpretation of the Policy language is

not consistent with the common and ordinary meaning of the word “unforeseen.” As the en banc

Eighth Circuit observed in King, “an insurance company’s assertion that a ‘foreseeable’

occurrence is not covered by an accidental death policy would be a dicey proposition.”

McClelland, 679 F.3d at 758 n.3 (quoting King, 414 F.3d at 1002). The Eighth Circuit criticized

the reasonably foreseeable standard on the basis that it would frustrate the legitimate

expectations of plan participants:

a “reasonably foreseeable” standard is quite broad; if all “reasonably foreseeable”

injuries are excluded from coverage, then the definition of accident may frustrate

the legitimate expectations of plan participants, for insurance presumably is

acquired to protect against injuries that are in some sense foreseeable. If

Hartford’s definition of “accidental bodily injury” were so narrow that it could

eliminate many injuries that an average plan participant would expect to be

covered based on the plain language of the plan, then there would be a question

whether it conflicts with the statutory requirement that a plan be “written in a

manner calculated to be understood by the average plan participant.” 29 U.S.C.

§ 1022(a).

King, 414 F.3d at 1002.

Judge Bright’s concurring opinion compared the highly likely standard of Wickman to

the reasonably foreseeable standard and noted,

The highly-likely standard not only creates a far more inclusive definition of

“accident,” but also requires more care and consideration in assessing likelihoods.

The reasonably-foreseeable standard, by contrast, not only could define away

most accidents resulting from the victim’s imprudence or negligence, but also

provides an easy way for an insurance company to deny just claims relating to

accidents.

King, 414 F.3d at 1007, n.6 (Bright, J., concurring). This comparison is apt here, applied to the

Policy’s term “unforeseen” and Symetra’s interpretation of it.

Judge Bright observed that the federal common law definition of “accident” is the

definition developed in Wickman and subsequent cases. Id. He argued against applying a

“reasonably-foreseeable” standard in cases such as this:

As the Wickman court noted, people buy accident insurance to protect themselves

against their own negligence—that is, voluntary but imprudent conduct that may

with reasonable foreseeability result in injuries or even death. See 908 F.2d at

1088.

By excluding from accident coverage any injury that was reasonably foreseeable,

the plan administrator’s decision would seem to make nonsense of the concept of

an “accident.” It would seem to reduce “accident insurance” to insurance only for

strange, unforeseeable injuries (e.g., choking to death on a piece of meat) or for

injuries in which the victim was passive rather than active (being struck by

lightning or being run down by a reckless driver while crossing the street). Such a

construction of the terms of an insurance plan would turn the insurance policy

into a trap for the unwary. It would deceive employees—attracting them to a job

with the promise of benefits that turn out, when they are claimed, to be illusory.

Such interpretations of plan language by a plan administrator constitute an abuse

of discretion—under the third Finley factor, namely, that a decision may not

violate the substantive or procedural requirements of ERISA (by, for instance,

misleading plan participants). See Lutheran Med. Ctr. v. Contractors Health Plan,

25 F.3d 616, 621 (8th Cir. 1994); Brumm v. Bert Bell NFL Ret. Plan, 995 F.2d

1433, 1439-40 (8th Cir. 1993). Such a definition also runs afoul of the first Finley

factor: It is not consistent with the goals of an accident insurance plan to deny

coverage for all accidents other than those in which the victim was passive or

which did result from the victim’s own actions but were so bizarre as to be

unforeseeable.

414 F.3d at 1008–09 (Bright, J., concurring) (footnote omitted).12

Symetra’s conclusion that because Mr. Yates voluntarily injected heroin his death was

reasonably foreseeable, and therefore was not an accident, is an unreasonable interpretation of

the Policy’s language. Under the logic of Symetra’s interpretation, any injury resulting from a

voluntary act would be reasonably foreseeable and therefore would not be an accident. As the

Eighth Circuit stated in King, “[I]f all ‘reasonably foreseeable’ injuries are excluded from

coverage, then the definition of accident may frustrate the legitimate expectations of plan

participants, for insurance presumably is acquired to protect against injuries that are in some

12The Finley factors mentioned in Judge Bright’s concurrence are used where a plan gives the

administrator discretionary power to construe uncertain terms or make eligibility determinations, to

determine whether a plan administrator’s interpretation of an uncertain term is “reasonable.” King., 414

F.3d at 998-99 (discussing Finley v. Special Agents Mut. Benefit Assoc., Inc., 957 F.2d 617, 621 (8th Cir.

1992)). Because the Policy in this case does not give Symetra discretionary power, the Finley factors are

not applicable here.

sense foreseeable.” King, 414 F.3d at 1002. And as Judge Bright commented, “By excluding

from accident coverage any injury that was reasonably foreseeable, the plan administrator’s

decision would seem to make nonsense of the concept of an ‘accident.’” Id. at 1008 (Bright, J.,

concurring).13

The Court concludes that under the Wickman test, based on the evidence in the record,

Plaintiff has established it is more likely than not that Mr. Yates’ death by heroin overdose was

an accident, i.e., that it was unforeseen. There is no evidence that Mr. Yates subjectively

intended to overdose on heroin, and there is also no evidence that a reasonable person, with

background and characteristics similar to the insured, would have anticipated or expected death

to occur as a result of the intentional injection of heroin.

13Judge Bright cogently explained and illustrated the distinction between the common law

definition of an accident and a reasonably foreseeable event:

The gulf between the common law definition and the plan administrator’s definition here

is telling. The two definitions are at opposite poles. The common law definition asks

whether the victim could reasonably have expected to escape the injury. …. The plan

administrator’s definition here asks whether the victim could reasonably have expected to

suffer the injury. As Justice White noted, one can reasonably expect to escape injury so

long as the injury is not “substantially certain.” See Todd, 47 F.3d at 1456. On the other

hand, a slim chance of an injury—mere foreseeability—is enough to say one “could

expect” to suffer an injury. If the common law definition, developed through many cases

in several courts, is reasonable, one would not expect a reasonable discretionary

definition by a plan administrator to be separated by so vast a chasm from the common

law definition.

Let us briefly examine the possible results of the plan administrator's definition, which

could exclude from “accident” coverage all deaths or injuries that were reasonably

foreseeable. When a woman stands on a shaky stool to reach for a bottle of baby formula

on the top shelf of the cupboard, it is reasonably foreseeable that she will fall and, in

crashing to the kitchen counter and then to the floor, break her neck. Under the plan

administrator's definition, the woman's injury is not an accident. When a lineman

working atop an electricity pole relies on his partner to have cut the power, instead of

checking it himself, it is reasonably foreseeable that he will be electrocuted. Under the

plan administrator's definition, the lineman's injury would be ruled a non-accident. When

a man speeds his pregnant wife to the hospital, breaking the speed limit, it is reasonably

foreseeable that he will crash the car and injure the passengers. Applying a reasonably-

foreseeable standard, the plan administrator could rule the injuries not accidental.

King, 414 F.3d at 1008 (Bright, J. concurring).

B. Symetra Fails to Establish that a Policy Exclusion Applies

Having found that the record evidence shows Mr. Yates’ death was more likely than not

accidental, the Court turns to Symetra’s argument that the Policy’s exclusion for intentionally

self-inflicted injuries applies to bar Plaintiff’s accidental death benefits claim.

The Policy’s language requires that an excluded injury be both self-inflicted and

intentional. The en banc Eighth Circuit addressed an intentionally self-inflicted injury policy

exclusion in King v. Hartford Life Insurance Co. In King, the insured died in a motorcycle

accident and at the time had a blood alcohol content of 0.19. 414 F.3d at 997. The accidental

death policy at issue contained an exclusion for “intentionally self-inflicted injury, suicide, or

attempted suicide, whether sane or insane,” which is substantially similar to the policy exclusion

in the present case. The ERISA plan administrator in King denied benefits based on the

exclusion, finding the insured’s “alcohol intoxication was itself an ‘intentionally self-inflicted

injury’ that ‘contributed to’ his injuries and death.” Id.

The Eighth Circuit rejected the King plan administrator’s interpretation as an

unreasonable interpretation of the plan’s language, even under the deferential abuse of discretion

standard. Id. at 1000, 1004.14 The Eighth Circuit stated:

The most natural reading of the exclusion for injuries contributed to by

“intentionally self-inflicted injury, suicide, or attempted suicide” does not include

injuries that were unintended by the participant, but which were contributed to by

alcohol intoxication. The Seventh Circuit seemed to think this self-evident when

it explained in a case involving death by drunk driving that the plan at issue “does

not specifically exclude from coverage the conduct at issue but does exclude other

conduct—notably suicide, attempted suicide and purposefully self-inflicted

injury.” Cozzie [v. Metro. Life. Ins. Co.], 140 F.3d [1104] at 1111 [(7th Cir.

1998)] (emphases added). One rarely thinks of a drunk driver who arrives home

safely as an “injured” party, and to define drinking to the point of intoxication as

an “intentionally self-inflicted injury, suicide, or attempted suicide” is at least a

14The Eighth Circuit also rejected the plan administrator’s decision based on the self-inflicted

injury exclusion as a post hoc rationale that differed from the stated basis for denying benefits. King, 414

F.3d at 1005.

“startling construction.” [Brumm v. Bert Bell NFL Ret. Plan, 995 F.2d 1433,

1440 (8th Cir. 1993)].

King, 414 F.3d at 1004.

More recently, the Eighth Circuit rejected a plan administrator’s argument that the

insured’s consumption of numerous prescription medications that resulted in her death was an

intentional action for which she would have subjectively expected death to be a highly likely

outcome. Nichols, 739 F.3d 1176. The court held the plan administrator erred in refusing to pay

an accidental death benefit where there was no evidence to suggest the insured was suicidal and

the objective evidence showed she had been ingesting a combination of prescribed medications

for some time. Id. at 1182-83. The Eighth Circuit approved the district court’s conclusion that

“all of the evidence indicates that [the insured’s] death was the unexpected result of ingesting

prescribed medications.” Id. at 1183 (quoted case omitted). In another case, the Eighth Circuit

reversed the denial of accidental death benefits where the insured was a drug user, but “all of the

evidence indicated that [he] accidentally ingested a lethal dose of morphine.” Sheehan v.

Guardian Life Ins. Co., 372 F.3d 962, 967 (8th Cir. 2004).

Other courts have concluded that deaths due to drug overdoses are not necessarily

intentionally self-inflicted injuries within the meaning of policy exclusions. The Seventh Circuit

held that where the insured voluntarily took a drug, but there was no evidence she was aware of

the risk of serious injury or death, an intentionally self-inflicted injury exclusion did not bar an

accidental death claim. Santaella v. Metro. Life Ins. Co., 123 F.3d 456, 465 (7th Cir. 1997)

(applying standards from Wickman and Todd v. AIG Life Ins. Co., 47 F.3d 1448, 1456 (5th Cir.

1995)). The Seventh Circuit explained, “A self-inflicted injury may be accidental, where

accidental is taken to mean unintentional rather than unexpected. For example, it is an accident

when someone hits his thumb with a hammer when driving a nail. The injury was self-inflicted

but not intended, hence accidental.” Id. (quoting Casey v. Uddeholm Corp., 32 F.3d 1094, 1097

(7th Cir. 1994)).

In an ERISA case with similar facts to the present case, the plan participant died of an

overdose after he injected heroin while on a business trip. On de novo review, the district court

concluded the death was accidental where there was no evidence the decedent intended to cause

himself injury or death, or to establish that a reasonable person would have viewed the injury as

highly likely to occur as a result of the intentional conduct. Jessen, 812 F.Supp.2d at 814-18

(E.D. Mich. 2011) (applying the Wickman test). The court held that the act of voluntarily

injecting heroin resulting in death did not fall within the policy’s self-inflicted injury exclusion

for the same reasons, id. at 818-20.

The Jessen court stated it was “not reasonable to read the self-inflicted injury exclusion

. . . to include unintended injuries that result from voluntary engaging in risky behavior. To do

so would require reading additional requirements into the plan.” Id. at 820 (quoting Harrell v.

Met. Life Ins. Co., 401 F.Supp.2d 802, 811 (E.D. Mich. 2005)).15 Further, “Although ‘death can

be a foreseeable consequence of overdosing on drugs, . . . many results are the foreseeable

consequence of risky actions.’” Id. (quoting Andrus v. AIG Life Ins. Co., 368 F.Supp.2d 829,

834 (N.D. Ohio 2005)). The court concluded that for an injury to be intentionally self-inflicted,

“[I]t is not sufficient merely that a serious risk was willingly undertaken, so long as injury was

not intended and, objectively, was not likely to occur.” Id. (quoting Critchlow v. First UNUM

Life Ins. Co. of Am., 378 F.3d 246, 263 (2d Cir. 2004)). The Court finds this reasoning

persuasive.

15The Court notes the Symetra Policy’s Accidental Death benefit coverage has a number of

exclusions but does not have an exclusion for drug use or overdose, as some policies do.

In an analogous case, the decedent died after a night of heavy drinking and the toxicology

report showed a blood alcohol level of 0.34% gm. The plan administrator denied an accidental

death benefits claim on the basis that the death was not accidental and was intentionally self-

inflicted, because the decedent knowingly and intentionally consumed alcohol to excess.

Stischok v. Harford Life Group Ins. Co., 2008 WL 859036, at *9 (S.D. Ohio Mar. 31, 2008). As

in this case, the insurer stated in the denial letter that the decedent’s alcohol intoxication was

itself the intentionally self-inflicted injury, and that the death was not accidental, but was

intentional “due to the consequences of his action of excessive drinking.” Id. at *10. The district

court in Stischok applied the Wickman test and concluded that denial of accidental death benefits

under the policy’s intentionally self-inflicted injury exclusion was arbitrary and capricious. Id. at

*10-12 (citing cases, including King, 414 F.3d 994). The court explained that “[i]nherently risky

activities . . . do not necessarily fall within the self-inflicted injury exclusions under ERISA

plans. In order for risky behavior to be considered a self-inflicted injury, . . . the decedent must

have known that the risky behavior was likely to cause his or her injury.” Id. at *12.

In another comparable case, a plan participant died after voluntarily ingesting cocaine

and alcohol. On de novo review, the district court rejected the plan administrator’s argument

that ingestion of drugs and alcohol was an intentional self-injury that barred death benefits under

a policy exclusion. McDonough v. Federal Ins. Co., 2012 WL 4060564, at *5 (D. Mass. Sept.

14, 2012). The court explained, “While the use of drugs and alcohol may cause some incidental

bodily injury to the user, to suggest, that, as a per se rule, every drug and alcohol user intends to

injure himself with such use, is divorced from reality.” Id. The record before the court included

no evidence of any desire by the insured to commit suicide or to intentionally harm himself. Id.

Under the principles set forth in the Eighth Circuit’s decisions in King and Nichols,

applied to the facts of this case, and considering other persuasive decisions involving voluntary

drug use resulting in an overdose, the Court concludes the Policy’s exception for “intentionally

self-inflicted injuries” does not include injuries that were unintended by Mr. Yates, but which

were caused by his injection of heroin. Mr. Yates voluntary engaged in actions that led to a fatal

injury, but Symetra offers no evidence that Mr. Yates intended his death to occur or that he

should have anticipated or expected that death was likely to occur as a result of injecting heroin;

or, using the language of the Wickman test, that he should have known his death was highly

likely to occur as a result. Instead, Symetra interprets the Policy’s intentionally self-inflicted

injuries exclusion to conflate Mr. Yates’ intentional actions with intentional results. This is

error. There is no evidence that Mr. Yates’ death was anything other than a fatal mistake.

In the absence of evidence that Mr. Yates intended his death to occur or that he should

have known death was highly likely to occur as a result of injecting heroin., Symetra does not

meet its burden to establish that the intentionally self-inflicted injury exclusion bars Plaintiff’s

recovery of accidental death benefits, and it applying the exclusion to deny benefits. See

Nichols, 739 F.3d at 1184 (under ERISA, an insurer has the burden to prove that an exclusion

applies).

C. Judgment Should be Entered in Plaintiff’s Favor

As discussed above, the Court has found that the evidence in the record establishes it is

more likely than not that Mr. Yates’ death was accidental. The Court has further found that

Symetra has not met its burden to establish that the intentionally self-inflicted injury exclusion

bars accidental death benefits under the Policy.

Plaintiff did not file a cross-motion for summary judgment in this case. Based on the

Court’s findings herein, and the full and fair opportunity Symetra had as the moving party to

brief the facts and the law in this case, the Court will enter judgment in favor of Plaintiff because

her right to summary judgment turns on the same issues and there is no reason to delay the entry

of judgment in her favor. See Global Petromarine v. G.T. Sales & Mfg., Inc., 577 F.3d 839, 844

(8th Cir. 2009) (“a determination of summary judgment sua sponte in favor of the prevailing

party is appropriate so long as the losing party has notice and an opportunity to respond.”) (citing

cases).

VII. Conclusion

The Court concludes that Plaintiff’s failure to exhaust administrative remedies does not

bar her claim for denial of ERISA accidental death benefits, because the plan documents at issue

do not contain any appeal procedures that must be exhausted. In the alternative, the Court

concludes that Symetra’s plan documents do not comply with ERISA’s requirements and as a

result Plaintiff’s claim must be deemed exhausted.

For the reasons discussed above, the Court further concludes that Mr. Yates’ death was

accidental, Symetra’s decision to deny accidental death benefits was erroneous, and the Policy’s

intentionally self-inflicted injury exclusion does not bar Plaintiff’s claim. Plaintiff is entitled to

the $50,000 accidental death benefit under the Symetra Group Insurance Policy issued to Phelps

County Bank. The Court will enter judgment in Plaintiff’s favor.

Accordingly,

IT IS HEREBY ORDERED that Plaintiff Terri M. Yates’ Motion to Alter or Amend

Judgment (ECF No. 56) under Rule 59(e), Fed. R. Civ. P., is GRANTED.

IT IS FURTHER ORDERED that the Memorandum and Order of May 26, 2021 (ECF

No. 54) and the Order of Dismissal (ECF No. 55) are VACATED.

IT IS FURTHER ORDERED that Defendant Symetra Life Insurance Company’s

Motion for Summary Judgment (ECF No. 40) is DENIED.

IT IS FURTHER ORDERED that Plaintiff's Motion to Strike Defendant’s Reply Brief,

or in the Alternative, Motion for Leave to File a Sur-Response to Defendant’s Motion for

Summary Judgment (ECF No. 50) is DENIED as moot.

IT IS FURTHER ORDERED that Plaintiff is entitled to judgment for the $50,000

accidental death benefit under the Symetra Group Insurance Policy issued to Phelps County

Bank.

An appropriate judgment will accompany this Memorandum and Order.

RONNIE L. WHITE

UNITED STATES DISTRICT JUDGE

Dated this 3rd day of January, 2022.

30