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SANDOVAL v. UNUM LIFE INS. CO. OF AMERICA

Nos. 19-1047 & 19-1164.

952 F.3d 1233 (2020)

Brenda SANDOVAL, Plaintiff-Appellant/Cross Appellee, v. UNUM LIFE INSURANCE COMPANY OF AMERICA, a/k/a Unum, Defendant-Appellee/Cross Appellant.

United States Court of Appeals, Tenth Circuit.

March 17, 2020.

Attorney(s) appearing for the Case

Joseph M. Gorman , Shakeshaft & Gorman, Colorado Springs, Colorado ( Kenneth J. Shakeshaft with him on the briefs), for Plaintiff-Appellant/Cross Appellee.

Kenneth F. Rossman, IV , Lewis Roca Rothgerber Christie LLP, Denver, Colorado ( Stephen M. Bressler , Lewis Roca Rothgerber Christie LLP, Phoenix, Arizona, with him on the briefs), for Defendant-Appellee/Cross Appellant.

Before TYMKOVICH, Chief Judge, BACHARACH, and CARSON, Circuit Judges.

This suit grew out of an insurance policy that protected against disabilities. The insured (Ms. Brenda Sandoval) submitted a claim to her insurer, Unum Life Insurance Company of America, which initially paid benefits but then terminated them. The termination of benefits led Ms. Sandoval to sue Unum for

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