In Kimberly J. Guest-Marcotte v. Life Insurance Company of North America, Plaintiff, an insurance risk manager, was diagnosed with Ehlers-Danlos Syndrome (EDS) Type III, a hereditary disease characterized by loose connective tissue which results in frequent joint dislocations and subluxations. In June 2013, due to chronic pain and fatigue, Plaintiff quit work and applied for short term disability benefits (STDs) under her employment welfare plan administered by Life Insurance Company of North America (LINA).
LINA denied her claim. After two unsuccessful administrative appeals, Plaintiff filed an ERISA lawsuit in a federal district court in Michigan. That court ruled in favor of LINA, so Plaintiff appealed to the U.S. Court of Appeals for the Sixth Circuit.