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Ralph Tafel, Iii v. Golub Corporation and Hartford


January 31, 2012


The opinion of the court was delivered by: Hon. Norman A. Mordue, U.S. District Judge



Defendants move (Dkt. No. 12) to dismiss the complaint for failure to state a claim upon which relief can be granted. See Fed.R.Civ.P. 12(b)(6). As explained below, the Court grants the motion and dismisses the complaint.


On May 16, 2011, plaintiff commenced this action in New York State Supreme Court, Schenectady County (Index No. 2011-917). On June 10, 2011, defendants removed the case to this Court, alleging federal question jurisdiction under 28 U.S.C. § 1331 on the ground that plaintiff's claims are completely preempted under sections 502(a)(1)(B) and 514(a) of the Employee Retirement Income and Security Act ("ERISA"), 29 U.S.C. §§1132(a)(1)(B); 1144(a).*fn1

Plaintiff did not move for remand.

On July 1, 2011, United States Magistrate Judge David R. Homer extended the time for plaintiff to serve and file an amended complaint to August 8, 2011 (Dkt. No. 11). Plaintiff did not file an amended complaint.

On August 26, 2011, defendants filed the instant motion to dismiss (Dkt. No. 12). Plaintiff's opposition, due on October 7, 2011, was filed on October 19, 2011. It did not include a memorandum of law as required by Local Rule 7.1(a)(1). By Order dated October 26, 2011 (Dkt. No. 19), the Court denied defendants' letter motion (Dkt. No. 18) to strike plaintiff's opposition as untimely and deficient. The Court advised that it would accept a memorandum of law filed by plaintiff by November 3, 2011. Plaintiff never filed a memorandum of law. Rather, on November 7, 2011 plaintiff's attorney filed a letter stating: "Our Opposition papers are based solely on factual determinations and therefore do not required [sic] any Memorandum of Law."

Defendants filed their reply on November 14, 2011.


In his complaint, plaintiff claims that, while a full-time employee of defendant Golub Corp., he enrolled in its Group Long Term Disability Plan, policy number GLT-209007 (the "Plan"), administered by defendant Hartford Life Insurance Co. ("Hartford"). On an unspecified date, plaintiff was diagnosed with multiple sclerosis. Plaintiff's claim for benefits was approved, and Hartford paid him monthly benefits at 60% of his pre-disability income.

The complaint alleges that on a number of occasions plaintiff corresponded with defendants, including the individual defendants, who were Hartford employees; that on December 28, 2008 and prior thereto they told him that he qualified for Long Term Disability and was entitled to benefits up to 60% of his pre-disability income; that "subsequent thereto and up to and including December 28, 2008," Hartford employees told him that he was entitled to benefits up to 80% of his pre-disability income. The complaint contains causes of action for fraud, specific performance, breach of contract, negligence, and accounting, all under New York State common law. Plaintiff seeks to recover benefit payments in the amount of 20% of his pre-disability income, plus punitive damages.


On this motion, defendants contend that plaintiff's complaint must be dismissed on the ground that it comprises only New York State common law causes of action, all of which are preempted by ERISA. Plaintiff does not address this issue, but rather states that his opposition is "based solely on factual determinations."

Defendants are correct that all causes of action in the complaint are preempted by ERISA §502(a)(1)(B). Plaintiff's causes of action are all based on his challenge to the benefit calculation under the Plan. His common law tort, contract, and accounting causes of action are based on the allegedly improper calculation of his claim for benefits, resulting in his receiving less than he was entitled to under the Plan.*fn2 Such claims "undoubtedly" meet the criteria for preemption under § 514(a). See Pilot Life Ins. Co. v. Dedeaux, 481 U.S. 41, 48 (1987). Likewise, plaintiff's fraud claim concerns defendants' alleged misrepresentations that he was entitled to benefits calculated at 60% of his pre-disability income, instead of the 80% to which plaintiff claims he was entitled under the Plan. He does not claim that -- due to fraud or other conduct by defendants -- he is entitled to benefits in an amount different from that provided by the terms of the Plan. In other words, plaintiff's claims all seek to remedy the allegedly wrongful denial of a portion of the benefits promised under the Plan, see Aetna Health Ins. v. Davila, 542 U.S. 200, 214 (2004), quoted in Paneccasio v. Unisource Worldwide, Inc., 532 F.3d 101, 114 (2d Cir. 2008); they do not seek to remedy "any violation of a legal duty independent of ERISA." Aetna Health Ins.,542 U.S. at 214; accord Montefiore Med. Ctr. v. Teamsters Local 272, 642 F.3d 321, 332 (2d Cir. 2011). As such, they are preempted.

Plaintiff does not request leave to serve an amended complaint. Indeed, Magistrate Judge Homer gave plaintiff the opportunity to amend his complaint, which plaintiff failed to do despite the fact that the removal to federal court put him on notice of the preemption issue. In any event, amendment would be futile. Based on the face of the complaint and the policy incorporated therein by reference,*fn3 there is no merit to plaintiff's claim that he is entitled under the Plan to benefits in the amount of 80% of his pre-disability income, or to any amount above the 60% which he received. Moreover, plaintiff concedes that he failed to utilize the Plan's administrative appeal procedure to challenge the amount of benefits he received. Thus, it appears that any ERISA claim would be subject to dismissal for failure to exhaust administrative remedies.*fn4

Defendants' motion is granted and the complaint is dismissed as against all defendants.


It is therefore

ORDERED that defendants' motion (Dkt. No. 12) is granted; and it is further ORDERED that the complaint is dismissed.


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