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RAYBOURNE v. CIGNA LIFE INS. CO. OF NEW YORK

Nos. 11-1295, 11-1427.

700 F.3d 1076 (2012)

Edward RAYBOURNE, Plaintiff-Appellee, v. CIGNA LIFE INSURANCE COMPANY OF NEW YORK, Defendant-Appellant.

United States Court of Appeals, Seventh Circuit.

Decided November 21, 2012.

Attorney(s) appearing for the Case

Mark D. DeBofsky (argued), Attorney, Daley, DeBofsky & Bryant, Chicago, IL, for Plaintiff-Appellee.

Peter E. Pederson, Jr. (argued), Stephen R. Swofford , Attorneys, Hinshaw & Culbertson, Chicago, IL, for Defendant-Appellant.

Before ROVNER, WOOD and WILLIAMS, Circuit Judges.

ROVNER, Circuit Judge.

The Social Security Administration ("SSA") found that Edward Raybourne was disabled under the agency's standards. The district court found that Raybourne was disabled under the terms of the long-term disability insurance policy he held with the defendant. The defendant insurance company found that he was not disabled. The district court concluded that the company's denial of benefits was based on a conflict of interest rather than on the facts...

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