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DOWDY v. METROPOLITAN LIFE INS. CO.

No. 16-15824.

890 F.3d 802 (2018)

Tommy DOWDY and Sharon Morris-Dowdy, Plaintiffs-Appellants, v. METROPOLITAN LIFE INSURANCE COMPANY, Defendant-Appellee.

United States Court of Appeals, Ninth Circuit.

Filed May 16, 2018.

Attorney(s) appearing for the Case

Mark L. Mosley (argued) and Douglas A. Applegate , Seiler Epstein Ziegler & Applegate LLP, San Francisco, California; Glenn R. Kantor , Kantor & Kantor LLP, Northridge, California; for Plaintiffs-Appellants.

Rebecca Hull (argued) and Denise Trani-Morris , Gordon Rees Scully Mansukhani, LLP, San Francisco, California; Ian S. Linker , Metropolitan Life Insurance Company, New York, New York; for Defendant-Appellee.

Before: Marsha S. Berzon and Michelle T. Friedland, Circuit Judges, and William K. Sessions, District Judge.

OPINION

OVERVIEW

In 2014, Appellant Tommy Dowdy suffered a serious injury to his left leg as the result of an automobile accident. His leg was eventually amputated below the knee. Mr. Dowdy and his wife, Sharon Morris-Dowdy, sought accidental dismemberment benefits under an employee welfare benefit plan...

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