Prado v. Allied Domecq Spirits & Wine Group Disability Income Policy

MEMORANDUM OF DECISION, FINDINGS OF FACT, AND CONCLUSIONS OF LAW SAMUEL CONTI, District Judge. I. INTRODUCTION Plaintiff Antonio Prado (“Prado” or “Plaintiff’) commenced this action against *1082 the Allied Domecq Spirits and Wine Group Disability Income Policy (“Allied” or “the Plan”), bringing three causes of action: (1) failure to extend disability benefits in accordance with the Plan and the Employee Retirement Income Security Act of 1974 (“ERISA”), 29 U.S.C. § 1132; (2) violation of section 10111.2 of California’s Insurance Code; and (3) failure to produce records under 29 U.S.C. § 1132(c) and 29 C.F.R. § 2560.503-1. The Real Party in Interest is the Claims Administrator, Liberty Life Assurance Company of Boston (“Liberty” or “Defendant”). Plaintiff and Liberty have now moved for judgment pursuant to Rule 52 of the Federal Rules of Civil Procedure. ECF Nos. 40 (“Pl.’s Mot.”), 49 (“Def.’s Opp’n”), 44 (“Def.’s Mot.”), 68 (“Pl.’s Opp’n”), 73 (“Def.’s Reply”). 1 Trial occurred on June 6, 2011, during which the Court requested both parties submit proposed findings of fact and conclusions of law. ECF No. 77. The parties have complied with the Court’s request. ECF Nos. 81 (“Def.’s FFCL”), 82 (“Pl.’s FFCL”). Having read and considered the parties’ respective submissions, the Court rules as follows. II. FINDINGS OF FACT A. Evidence Considered by the Court As the Court will discuss infra, abuse-of-discretion review of an ERISA claim denial is generally limited to the administrative record; that is, the papers the insurer had when it denied the claim. Jebian v. Hewlett-Packard Co. Emp. Benefits Org. Income Prot. Plan, 349 F.3d 1098, 1110 (9th Cir.2003). However, if the denial is made by an administrator operating under a conflict of interest, the court has discretion to permit discovery beyond the administrative record into the nature, extent, and effect of this conflict on the administrator’s decision-making process. Welch v. Met. Life Ins. Co., 480 F.3d 942, 949-50 (9th Cir.2007). Similarly, if an administrator presents a new reason for its denial in its final administrative decision, the claimant is entitled to present evidence regarding that denial and to have the district court consider it. Saffon v. Wells Fargo & Co. Long Term Disability Plan, 522 F.3d 863, 872 (9th Cir.2008). Evidence considered beyond the administrative record “need not satisfy the strict rules for the admissibility of evidence in a civil trial, and may be considered so long as it is relevant, probative, and bears a satisfactory indicia of reliability.” Tremain v. Bell Indus., Inc., 196 F.3d 970, 978 (9th Cir.1999). On August 2, 2010, 2010 WL 3119934, the Court determined that Liberty operated under a conflict of interest and permitted Plaintiff to conduct limited discovery into the “nature, extent, and effect of Liberty’s conflict of interest on its decision-making process.” ECF No. 35 (“Aug. 2, 2010 Order”). With this framework in mind, the Court evaluates the admissibility of evidence submitted by the parties. 1. The Claim File Liberty submits the Claim File (“CF”), which it alleges is the complete record on which Liberty based its denial of Plaintiffs benefits claim and his subsequent appeal. Gray Decl. Ex C (“CF”). 2 The Claim File consists of 4090 pages of records and one DVD containing surveillance video of Plaintiff from September and October 2009. Plaintiff does not challenge the authenticity of the Claim File; in fact, it *1083 contains numerous documents Plaintiff submitted to Liberty in support of his claim. 2. The Plan Documents Liberty submits copies of what it alleges are the Policy and the Summary Plan Description; these are the plan documents Liberty provided to Plaintiff during the claims process. McNerney Decl. Exs. A (“Policy”), B (“SPD”). 3 Plaintiff alleges that Defendant has failed to provide the Plan document and disputes whether the two produced documents accurately reflect the terms of the Plan. Pl.’s Mot. at 23. Plaintiff alleges that the Plan which he participated in is titled “Hiram Walker & Sons Long-Term Disability Plan Number 507,” and that Liberty has produced no such plan. Id. Plaintiff states: “Without the Plan, who knows whether there is a difference between the insurance policy, which Liberty has been using as if it were the Plan, and the Plan itself.” Pl.’s Mot. at 24. The SPD is clearly identified as the summary plan description of “Hiram Walker & Sons Inc. Long Term Disability Plan Number 507.” SPD at 26. 4 The Policy contains no mention of “Hiram Walker & Sons” or “Plan Number 507,” and identifies Allied Domecq Spirits and Wine as the Plan’s sponsor. Policy at 2. Both the Policy and the SPD bear the same policy number: GF3-841-431862-01. Policy at 1; SPD at 3. To authenticate the Policy and SPD, Liberty submits the declaration of Carolyn McNerney (“McNerney”), who identifies herself as the current “Assistant Corporate Secretary for Pernod Ricard USA,” an “affiliated company” that she claims currently administers the Plan. Id. ¶ 1. McNerney states: “I can declare that [the Policy and the SPD] are true and authentic copies of the Group Disability Income Policy issued to Allied Domecq Spirits and Wine ... and the operative Summary Plan Description.” Id. ¶ 2. McNerney declares that when Allied purchased Hiram Walker-Gooderham & Worts of Canada in 1987, “the Hiram Walker & Sons Long-Term Disability Plan Number 507 became known as the Allied Domecq Spirits & Wine USA Inc. and Subsidiary & Affiliated Companies Group Welfare Insurance Plan for Employees in the US.” Id. ¶4. McNerney states that “after a diligent and complete search, no other plan documents have been located.” Id. ¶ 9. 5 In light of the above, the Court finds that the Policy and SPD produced during *1084 the claim process contain satisfactory indicia of reliability, and accepts the terms provided in the Policy and the Summary as the terms of the Plan. 3. Other Evidence Submitted by Liberty Liberty submits the declaration of Paula McGee (“McGee”), litigation manager of disability claims for Liberty. ECF No. 45. McGee declares that through her position as litigation manager, she is familiar with Liberty’s claims and underwriting operations, as well as Plaintiffs claim. Id. ¶ 2. 4. Evidence Submitted by Plaintiff Plaintiff submits a declaration of Steven Moon (“Moon”), who identifies himself as the work capacity evaluator who performed a Functional Capacity Evaluation (“FCE”) of Plaintiff on February 25, 2009. Moon Decl. ¶¶ 1-2. 6 Moon’s FCE report is included in the Claim File. CF 0583-0592. In his declaration, Moon responds to the surveillance footage taken in September and October 2009. Plaintiff also submits his own declaration in which he responds to this footage. ECF No. 42. 7 Plaintiff also asks the Court to take judicial notice of the Bristol Hospital 2008 Annual Report and a motion filed in an unrelated action against Liberty in District Court for the Southern District of Ohio. ECF No. 69. The Court finds that these documents lack the indicia of reliability required under Tremain, 196 F.3d at 978, and it declines Plaintiffs request. In finding the facts below, the Court relies on the evidence above and the facts decided and actually litigated in the prior denial-of-benefits action between the parties, Prado v. Allied Domecq Spirits and Wine Gr. Disability Income Policy, No. 05-2716, 2008 WL 191985 (N.D.Cal. Jan. 22, 2008) (“Prado I”). B. The Parties Plaintiff is a California resident; from February 1987 to September 2003, he worked as a production manager for Mumm Napa Valley (“Mumm”), a subsidiary of Allied Domecq Spirits and Wine. Prado I at *1. As a production manager, Plaintiff managed all aspects of winery bottling and warehouse operations, including overseeing bottling, quality control, warehousing, specialty packaging, procurement, inventory, planning, and scheduling. CF 4083. Liberty insured Plaintiffs long-term disability plan through a group disability policy. Prado I at *1. Liberty served as the claims administrator. Id. C. The Plan Plaintiff was a beneficiary of his employer’s sponsored long-term disability plan. Id. Under the Plan described in the Policy, Liberty must pay out a monthly benefit to participants who meet the definitions of “disabled” or “partially disabled.” Policy at 6. The Policy provides two definitions of “disability”-one for the first twenty-four-month period, and a second for the time following this period. Policy at 4. A participant is disabled during the first twenty-four months if he “is unable to perform all the material and substantial duties of his occupation on an Active Employment basis because of an injury or sickness.” Policy at 4 (emphasis added). After this period, a person is disabled if he “is unable to perform, with reasonable continuity, all of the material and substantial duties of his *1085 own or any other occupation for which he is or becomes reasonably fitted by training, education, experience, age and physical and mental capacity.” Id. at 5 (emphasis added). The parties and the Court refer to these as the “own occupation” and “any occupation” periods. The Policy gives Liberty the authority, “in its sole discretion, to construe the terms of this policy and to determine benefit eligibility hereunder.” Id. at 25. “Liberty’s decisions regarding construction of the terms of this policy and benefit eligibility shall be conclusive and binding.” Id. The Policy requires that “[pjroof of claim must be given to Liberty.” Id. at 27. This proof must cover the date the disability started, the cause of the disability, and the degree of the disability. Id. D. Plaintiff’s Injury Plaintiff first injured his back while employed with Mumm in 1989. CF 1399, 2308. While on the job, a three-to-four-hundred-pound piece of machinery fell on him when a forklift chain became loose. CF 1399. Although Plaintiff was injured, he continued to work as a production manager for Mumm. Id. After chiropractic care, physical therapy, and conservative treatment failed to improve his chronic pain, Plaintiff sought treatment of a neurosurgeon, Dr. Jay Levy (“Dr. Levy”), who performed an L5-S1 discectomy in 1991. Id. The discectomy failed to cure Plaintiffs pain; Plaintiff developed “internal derangement of his left knee,” which was treated with steroid injections. CF 1294. Plaintiff complained of headaches, dizziness, blurred vision, and blackouts. CF 1400. Plaintiff had arthroscopic surgery on his knee in August 1999. CF 1345. While the surgery helped, he still claimed to have knee pain. He also complained of neck pain radiating into the left shoulder and down the arm to the ring and little fingers, with numbness, weakness, and tingling in the left arm. CF 1376. His mobility and ability to lift weight were restricted. CF 1376, 1377. On September 1, 2003, Plaintiff informed Liberty that his back pain and headaches had escalated to the point that he could no longer continue working. CF 0561. In October 2003, Dr. Levy stated that a lumbar MRI scan showed L5-S1 disc collapse and a cervical MRI scan showed spondylosis. CF 2309. Dr. Margaret A. Schlatter (“Dr. Schlatter”) evaluated Plaintiff on January 19, 2004. CF 1469. She reported that at the time, Plaintiff was experiencing “daily chronic headaches” at a “10 out of 10 severity.” Id. Dr. Schlatter noted that Plaintiff had “fairly normal range of motion” in his neck and back and a typical gait. CF 1470. Plaintiff filed a disability benefits claim, which Liberty received on March 25, 2004. CF 2309. On June 2, 2004, Liberty denied Plaintiffs claim. CF 0561. Liberty provided the following reason for the denial: “There is insufficient evidence to show that you were disabled from the date you stopped working throughout the Elimination Period. There is insufficient evidence on file to support restrictions and limitations that preclude you from performing your occupation from September, 2003, to the present.” Id. Plaintiff appealed the decision and, on August 4, 2004, after further review, Liberty upheld its initial denial. Id. During the pendency of the appeal, Plaintiff was referred to an orthopedic spine surgeon, Dr. James Zucherman (“Dr. Zucherman”). CF 1852. Dr. Zucherman noted normal gait and hip flexion, but recorded that Plaintiff had reported pain that was intense and “made worse by sitting, rising from sitting, leaning forward, walking, lying on the back, lying on the stomach, driving, coughing or sneezing, *1086 and bending forward.” CF 1852-1854. Dr. Zucherman recommended surgery. Id. In January 2005, Dr. Zucherman performed a prosthetic disk replacement at L5-S1. CF 2309. While this procedure initially decreased Plaintiffs back pain and allowed for normal movement, subsequent visits through the rest of 2005 and 2006 noted continued complaints of back pain and neck pain. Id. Plaintiff then requested that Liberty reconsider its denial in light of the treatment by Dr. Zucherman and other evidence. CF 0562. On May 6, 2005, Liberty informed Plaintiff that it would not reconsider the claim because Plaintiff had already exhausted his administrative remedies under ERISA. Id. Plaintiff filed suit against Liberty, seeking review of Liberty’s denial of benefits. See Prado I (discussed in Part II.E, infra). Plaintiff continued treatment with Dr. Zucherman during the pendency of Prado I, experiencing continued symptoms in the neck and lower back. CF 2309. Plaintiff was treated for his “chronic back pain” by Dr. Maria Sheila Tabilon (“Dr. Tabilon”) on January 27, 2006. CF 2632. An MRI scan performed in February 2006 showed mild bulging discs at C4-5, C5-6, and C67. CF 1988. In April 2006, Dr. Zucherman reported that MRI scan showed degenerative disk changes in the cervical spine with no protrusions, no stenosis, and no neuroforaminal stenosis. Id. Dr. Zucherman consistently stated that Plaintiff was totally disabled and unable to work. CF 2309. Plaintiff responded to several Oswestry Low Back Disability Questionnaires during his treatment, yielding scores ranging from sixty percent to eighty-six percent. E.g., CF 0739, 0737,1783,1773. On January 10, 2006, Plaintiff was evaluated by Dr. Jon Sigurdson (“Dr. Sigurd-son”). CF 1989. Dr. Sigurdson noted that while Plaintiff “did get benefit and improvement” from Dr. Zucherman’s surgery, “the neck symptoms and headaches became more of a problem and are now bothering him more than the low back.” CF 1991. He concluded that the cause of Plaintiffs pain, including his headaches, was his 1989 injury. CF 1993. He concluded that he had a disability precluding heavy work, and was “temporarily totally disabled as far as the neck and arms is concerned.” Id. He opined that “consideration of vocational rehabilitation and ability to return to gainful employment would be premature.” CF 1994. On May 15, 2007, the Social Security Administration (“SSA”) held a hearing to determine whether Plaintiff had become disabled from any occupation since September 2, 2003. CF 0548. Dr. Zueherman provided a medical source statement, in which he marked that Plaintiff “has not been capable of performing sustained SEDENTARY work on a regular and continuing basis.” CF 0034. He reported that Plaintiff must lie down for three hours a day, and could sit a total of two hours a day, stand a total of one hour a day and walk up to an hour a day. Id. Lifting and carrying was limited to under five pounds and not more than an hour a day. Id. The presiding Administrative Law Judge (“ALJ”) found that Plaintiff had been disabled from any occupation since September 2, 2003. CF 0548. The ALJ identified the following “severe impairments”: “degenerative disc disease of the cervical and lumbar spine; spinal stenosis with radiculopathy of the cervical spine; [and] late postoperative lumbar pain.” Id. The ALJ accepted as credible Plaintiffs rating of his pain at seven on a one-to-ten scale. Id. E. Prado I On January 22, 2008, this Court issued summary judgment in favor of Plaintiff in his then-pending action against Liberty. *1087 See Prado I. The Court found that Liberty operated under a structural conflict of interest as an entity that both made benefits determinations and paid for them. Id. at *4. It noted several instances in which this conflict appeared to influence Liberty’s denial decision. Specifically, Liberty had failed to provide Plaintiff with guidance as to what information was necessary in order for Plaintiff to perfect his claim. Id. at *5. It had failed to conduct a “meaningful dialogue” with Plaintiff in deciding whether to grant or to deny benefits by failing to use reasonable diligence to contact Plaintiffs health provider. Id. at *7. The Court found this conflict “is even manifest in the briefs submitted to this Court,” noting that Liberty had made statements in its briefs that contradicted or mischaracterized the administrative record. Id. at *8-9. Accordingly, the Court reviewed Liberty’s denial with discounted deference. Id. at *9. The Court concluded that Liberty abused its discretion in denying Plaintiffs claim. The Court wrote, “Liberty may not ignore Plaintiffs subjective pain complaints and instead rely solely on objective evidence if evidence of Plaintiffs pain is not available.” Id. at *20. The Court awarded long-term disability benefits for the twenty-four month “own occupation” period, and it remanded the claim to Liberty to determine if Plaintiff qualified for benefits beyond the first twenty-four months based on the “any occupation” definition of disability. Id. at *21. F. Remand Following remand, Liberty assigned Plaintiffs claim to Elizabeth Kiernan (“Kiernan”), a disability claims technical specialist for Liberty. At that time, the Claim File consisted of the entire record before this Court in Prado I, as well as workers’ compensation records and other medical records produced by Plaintiff during Prado I. CF 0007, 3032-4089. Kiernan sent Plaintiffs counsel a letter on July 9, 2008 requesting that Plaintiff complete several forms. On September 15, 2008, Plaintiffs counsel returned the completed forms to Kiernan. CF 3028. In his responses to an activities questionnaire, Plaintiff stated that he was able to sit, stand, or walk for periods of ten to fifteen minutes. CF 3023. He stated that he left the house daily and was able to drive his daughter to school each day, work in his garden, and wash his car. Id. He reported that he sometimes would help his wife with grocery shopping by carrying “the light things.” CR 3024. However, Plaintiff stated that back pain, neck pain and headaches prevented him from performing any gainful employment. CF 3025. On September 15, 2008, Liberty requested additional medical information from Plaintiffs identified providers for the period from June 1, 2005 to present. Liberty also sent a letter to Plaintiffs counsel notifying him of the request. CF 3020-3022. On September 19, 2008, Plaintiffs counsel responded, and the records sought were added to the Claim File. CF 2347-3011, 2316-2346. Liberty did not request an examination of Plaintiff. Rather, Liberty referred the claim file to Dr. C. David Bomar (“Dr. Bomar”) for a paper review of Plaintiffs claim. Dr. Bomar filed his review on October 28, 2008. CF 2308-2313. Dr. Bomar concluded that the file did not support “inability to work full time as of 2/28/06 to the present.” Id. Dr. Bomar found that Plaintiff would be capable of full-time work so long as it was “restricted to light work with no lifting over roughly 20 pounds occasionally and avoidance of more than occasional bending, squatting, stooping or kneeling.” Id. Dr. Bomar noted that while *1088 Dr. Zucherman consistently reported that Plaintiff was totally disabled and unable to work, “there were a number of Independent Medical Evaluations from several orthopedic surgeons and neurosurgeons from the late 1990s up to 2006, most of which gave the claimant a light work capacity with avoidance of heavy lifting.” CF 2309. Dr. Bomar concluded that while “[s]ome degree of chronic low back pain would not be unexpected,” “inability to sit, stand or walk frequently would not be expected.” CF 2310. On October 29, 2008, Liberty sent Dr. Zucherman a letter asking for additional information, requesting a response by November 15, 2008. CF 2306-2307. Liberty then referred the claim for a transferrable skills analysis. CF 2233. Liberty’s vocational case manager, Michael Patrick Cooper (“Cooper”), reviewed the claim file and conducted a labor market survey. CF 2233-2235. Based on Plaintiffs background and experience and the physical restrictions and limitations described by Dr. Bonar, Cooper determined that Plaintiff was capable of full-time sedentary work and light work capacity, identifying five suitable occupations: winery production supervisor, wholesale wine sales representative, telephonic customer service representative, office assistant-production plant, and small parts assembly. Id. Cooper also stated that these occupations existed within Plaintiffs local and regional economy. Id. Liberty then referred the claim file for an “independent peer review” with Dr. Richard Kaplan (“Dr. Kaplan”). CF 2215-2230. Dr. Kaplan did not examine Plaintiff personally. CF 2227. In his December 17, 2008 report, Dr. Kaplan claimed that he had tried on three occasions to contact Dr. Zucherman, but that Dr. Zucherman did not respond. CF 2223. These calls were allegedly made on December 18, 2008 at 3:07 a.m. EST, December 19, 2008 at 12:20 p.m. EST, and December 22, 2008 at 9:46 a.m. EST. CF 2223. 8 Dr. Kaplan concluded that after reviewing Plaintiffs medical history: “I cannot identify any restrictions and limitations as of 2/2/06.” CF 2225. Dr. Kaplan stated: “any restrictions which are reported in terms of cervical and lumbar range are essentially based on subjective symptoms of pain with no objective anatomical basis for those findings.” Id. Dr. Kaplan stated: “as of the present time the claimant’s presentation is essentially that of subjective pain with subjective limitations in spinal range of motion without any anatomical lesion or physiological reason to explain these reported symptoms.” Id. Dr. Kaplan concluded that Plaintiff was able to perform at the light physical demand level, writing: “a return to some form of gainful employment ... would not only be possible but would also be highly recommended from a therapeutic perspective.” CF 2227. Kiernan sent Dr. Zucherman a létter on January 13, 2009 requesting his response to Dr. Kaplan’s report. Liberty made several extensions of the deadline for Dr. Zucherman to respond, ultimately extending it to February 28, 2009. CF 2198. Dr. Zucherman did not respond by this deadline. On March 2, 2009, Kiernan sent Plaintiffs counsel a letter denying Plaintiffs *1089 claim for long term disability benefits, finding that Plaintiff did not meet the definition of “disabled” for the “any occupation” period. CF 2194-2917. The denial letter did not identify Dr. Kaplan, Dr. Bonar, or Cooper by name, but it did state that a board-certified orthopedic surgeon had reviewed Plaintiffs claim and concluded that it did “not support inability to work full time as of 2/28/06 to the present.” CF 2195. The denial letter noted Dr. Zucherman’s failure to respond to Dr. Kaplan’s review. The denial letter noted that a vocational case manager “has identified occupations in Mr. Prado’s local and regional area which are at the light level.” CF 2196. The denial letter informed Plaintiff of the procedure for requesting a review of the denial. It stated that Plaintiffs appeal should include “an opinion by Dr. Zucherman of the peer review, any office notes, diagnostic test results, hospital records, or any additional information which you feel will support Mr. Prado’s claim.” CF 2196. On April 12, 2009, Plaintiffs counsel wrote Kiernan, requesting the Claim File, “all ERISA plan documents,” and a number of other documents. CF 2189-2192. The list of documents sought was extensive, and included twenty-six enumerated requests. Plaintiff sought information on the orthopedic surgeon who reviewed Plaintiffs claim, including “the number of reports prepared by this physician for Liberty Life in each of the past three years, and the number of those reports which were favorable to the granting of or extension of disability benefits, and the number of those reports which were favorable to the ending or termination of disability benefits.” CF 2189. Plaintiff also sought, inter alia, “a list of things which you would accept to prove ‘objective’ evidence of impairment due to pain”; “the policies and procedures used by Liberty Life to assess ‘self-reported’ conditions, ‘chronic pain,’ ‘failed back syndrome,’ and residual pain following back surgery”; “all writings and records, whether or not in the claims file, for each ‘roundtable’ or group conference which discussed the claim of Antonio Prado”; “[a]ll plans or programs offered to Liberty Life claims personnel which require, encourage or permit those claims personnel to purchase or acquire Liberty Mutual stock”; and “[a]ll policies and procedures of Liberty Life which are designed to mitigate the structural conflict of interest of Liberty Life in deciding which ERISA plan beneficiaries are eligible for benefits and the financial interest of Liberty Life as payor of those benefits.” CF 2189-2192. On April 30, 2009, Kiernan sent Plaintiffs counsel a copy of the Claim File and the Policy, which she alleged was “all the information that was received, reviewed, and considered in our evaluation of Mr. Prado’s claim.” CF 2179. Kiernan claimed that Allied, not Liberty, was the plan administrator, and so Liberty was not under an obligation under ERISA to produce plan documents. Id. Kiernan included the curriculum vitae of Dr. Bomar and Dr. Kaplan. Id. Kiernan rejected Plaintiffs requests for additional documents and information, writing: “We do not agree with your interpretation of the scope of Liberty’s disclosure requirements and we are unable to respond to your extensive requests for information.” Id. On July 22, 2009, Plaintiff submitted his appeal; Liberty received it on July 27, 2009. CF 0602, 0546-0547. Plaintiff included with his appeal more than fifteen hundred pages of documents. CF 0548-2176. The documents included a May 4, 2009 letter from Dr. Zucherman; Dr. Zucherman’s medical records; medical records from Kaiser Napa; a Functional Capacity Evaluation; workers’ compensa *1090 tion records; and the decision in Prado I. Plaintiff also included the ALJ’s decision in the SSA proceeding. CF 0548-0555. Plaintiff restated his request for additional information, claiming that he was entitled under 29 C.F.R. § 2560.503-l(m)(8)(iii) and (b)(5) to documents which “demonstrate[ ] compliance” with “administrative processes and safeguards designed to ensure and to verify that claim determinations are made in accordance with governing plan documents and that, where appropriate, the plan provisions have been applied consistently with respect to similarly situated claimants.” CF 0546. Plaintiffs counsel included a list of ten questions regarding Liberty’s claims procedure, such as: In the event of a dispute between the opinion of a treating physician and a consultant hired by Liberty, do you always accept the view of the Liberty consultant? What would you consider to be sufficient “objective” proof of impairment under the circumstances of this claim? What is the medical basis of your standard? Can you provide some examples of what you would accept, or what you have accepted in the past, as sufficient “objective” proof of impairment for individuals who have the same medical diagnoses as Mr. Prado? If you do not have written material which provides guidance on these questions, then how does Liberty ensure that similarly situated claimants are treated alike? CF 0546-0547. Dr. Zucherman’s May 4, 2009 response to Dr. Kaplan’s review stated that Plaintiffs “functional capacity is described in the office notes of December 16, 2008, which indicate he can only sit for a few minutes, walk about 1/4 of a mile, and do only very light lifting.” CF 0582. Dr. Zucherman noted that limitations “are based on subjective complaints,” but stated, “just because Mr. Prado does not have focal neurologic findings, as Dr. Kaplan reports, it does not mean that he is functionally capable.” Id. Dr. Zucherman wrote that while he was not a qualified medical examiner, Plaintiff in December 2008 had Oswestry function score of 68, and “[i]n my experience, patients with a score this high are not even able to do light work at full time. Part-light work duty with a control over his workstation would be a reasonable expectation, in my mind.” Id. The Functional Capacity Evaluation (“FCE”) was performed by Stephen Moon of Bay Area FCE, LLC on February 25, 2009. CF 0583. It consisted of an eight-hour test “to address this client’s current work capacity” and “identify any limitations or accommodations needed.” Id. Moon reported that Plaintiff completed only three of the eight hours of scheduled testing “due to pain and headache complaints.” Id. Plaintiff reached the subpart time ability at the sedentary level. Id. Moon concluded that “no comments on his ability to work full time can be made at this time.” Moon also concluded that Plaintiff had “given variable to high amounts of physical effort during testing.” Id. Moon stated that Plaintiffs subjective complaints of pain “appeared to correlate with his observed behaviors during the testing that was able to be completed.” Id. Moon stated: “There were no obvious inconsistencies with Mr. Prado’s perceived abilities and his observed tolerances and clinical performance during the testing day.” Id. The test included an Oswestry Low Back Disability Questionnaire on which Plaintiff received a score of 74; Moon stated that this score “represents *1091 the equivalent perception of being crippled.” CF 0587. Moon concluded that Plaintiffs subjective reports of pain were “mostly reliable,” based on “the overall trend and outcomes of the pain questionnaires, subjective ability log, repetitive motion testing, spinal and hand function sorts, and the general correlation between his subjective complaints and perceptions with his observed signs of discomfort.” CR 0592. Kiernan acknowledged receipt of Plaintiffs appeal and supporting documents in a July 28, 2009 letter. CF 0594. She refused Plaintiffs requests for additional documentation, referring to her April 30, 2009 letter. Id. The claim was forwarded to Liberty’s appeal review unit in Dover, New Hampshire, and assigned to Liberty’s appeal review consultant, Lisa Gray (“Gray”). CF 0003. On August 21, 2009, Plaintiff submitted to Liberty sixty pages of additional medical literature, which Liberty added to the Claim File. CF 0463-0538. On August 26, 2009, Gray sent Plaintiffs counsel a letter stating that additional time was needed to render a determination on Plaintiffs appeal. CF 0461-0462. The letter stated, “we are currently waiting for additional information from your office, which is necessary to render full and fair determination” of Plaintiffs appeal. Id. The letter did not identify the information needed. Also on August 26, 2009, Gray contracted with Horsemen Investigation (“Horsemen”) to perform a surveillance investigation of Plaintiffs activities around his Napa, California home. CF 0542. In the investigation referral form, Gray wrote, “No neurological findings however claimant reports being able (sic) to work due to severe back and neck pain and headaches.” Id. “Claimant maintains he is only able to sit/stand for 30 minutes and walk 20 minutes. States he can sit and drive a car for 30 minutes. He maintains he does not pursue any hobbies nor do volunteer work and does not participate in an exercise program.” Horsemen performed the surveillance of Plaintiffs residence on September 4, 5, 6, 7, and 10, 2009. CR 0391-0405. On September 6, 2009, Plaintiffs counsel responded to Gray’s August 26, 2009 request for additional information, stating, “I am not aware of any information that has been requested from us, which we have not provided. The only information which Liberty requested was a report from Dr. Zucherman, which was included with our submission on July 22.” CF 0423. For the third time, Plaintiffs counsel renewed his request for “policies and procedures with regard to how you assess claims where the work impairment is due to pain and therefore subjective in nature.” Id. He wrote: “If you are aware of any tests or measurements which could be done and which would measure the extent of work impairment, please let us know. From our view, there is nothing which is better than the Functional Capacity Evaluation which we forwarded to you on July 22.” Id. Plaintiffs counsel also renewed his request for information concerning Dr. Kaplan. Plaintiffs counsel wrote that while Dr. Kaplan was well-published, “we note that his publications do not indicate any interest at all in the type of medical condition from which Mr. Prado suffers.” Plaintiffs counsel also noted that “Dr. Kaplan has a relationship to a business called Disability and Occupational Consultants ... through which he acts as a disability evaluator. However, every report of his which we have been able to locate, and every reference to him in published judicial opinions, refers to him as a defense evaluator — in other words, he seems to have a demonstrated pro-defense bias.” *1092 Id. Plaintiffs counsel noted that Dr. Kaplan had rendered an opinion for an insurance carrier in a case involving another one of his clients, writing: “The odds that a doctor with a reasonably sized forensic practice located back east would be found on multiple files of my solo practice in California must be quite small.... Dr. Kaplan must be a very high volume source of defense medical reports.” Id. Plaintiffs counsel concluded that given these concerns, “we think it fair to ask for the opportunity to comment upon any bias of the consultant who is being used on the appeal, and we request that you provide the identity of that consultant so that we have an opportunity to comment upon his or her credentials.” Id. On September 14, 2009, Horsemen reported to Gray on the results of the surveillance. CF 0391-0424. Horsemen claimed that it recorded video of Plaintiff raising the hood of a bronze Chevy truck, “checking his mail,” “pulling weeds,” “placing five (5)gallon buckets into the bed of a truck,” “moving three (3) trash cans on wheels,” “checking fluids in his pickup,” as well as other activities. CF 0391-0405. Horsemen acquired roughly twenty minutes of video footage of some of these activities, which was added to the Claim File. Horsemen observed no activity on the part of Plaintiff during surveillance on September 6, 2009. CF 0399. Horsemen’s report stated that on each day Plaintiff was identified, “Mr. Prado showed no visible signs of hesitation or restriction, and did not utilize any discernible means of artificial support.” CF 0391, 0395, 0400, 0403. On September 21, 2009, Plaintiff commenced this action, claiming that Liberty had failed to make a timely ruling on the pending appeal under 29 C.F.R. § 2560.503-1. Compl. ¶ 6. Liberty received notice of the suit on September 29, 2009, but proceeded to complete its review of the appeal. CF 0002. On September 23, 2009, Gray again wrote Plaintiffs counsel stating that Liberty would need additional time to complete review of Plaintiffs appeal. CF 0406-0407. Gray claimed this extension was necessary because the volume of records received on appeal was so large and because Liberty wanted additional information to clarify Plaintiffs functional capacity and abilities. Id. Gray stated that Liberty had requested a physician who was board certified in physical medicine and rehabilitation to review the claim file, and had asked this physician to contact Dr. Zucherman to discuss Plaintiffs status. Id. Gray asked Plaintiffs counsel to “inform Dr. Zucherman and his office staff that he will be receiving a call from this reviewing physician in the next two weeks.” Id. Gray refused Plaintiffs counsel’s renewed request for additional documentation, and did not identify the reviewing physician by name. Id. On October 1, 2009, Gray submitted Plaintiffs claim to the consulting physician for complete review. CF 0002. On October 5, 2009, Horsemen performed another surveillance of Plaintiffs residence. CF 0374. While no video was recorded of Plaintiff, Horsemen claimed that Plaintiff rolled two trash cans from the curbside to the back of his residence, drove to Napa Valley Community College, and walked onto the campus and back to his car after utilizing a computer room. CF 0374-0377. 9 *1093 Dr. Gale Brown, Jr. (“Dr. Brown”), board certified in physical medicine and rehabilitation, prepared a report dated October 8, 2009. CF 0359-0371. Dr. Brown’s report provided a list of “documentation reviewed,” which included all the aforementioned documents, including the SSA Disability report and the video surveillance. CF 0359. Dr. Brown stated that her review addressed Plaintiffs “physical impairments and ability to perform any occupation full time, effective 2/29/06,” 10 but “does not address possible impairment related to chronic headaches and hypertension, as these fall beyond my current areas of expertise.” CF 0360. Dr. Brown concluded that while partial physical impairment was supported by the documentation, Plaintiff “should have been able to resume full-time sedentary work by 2/29/06.” CF 0360. Dr. Brown concluded that “[i]neonsistencies noted in Mr. Prado’s statements, video surveillance data, and FCE performance raise questions regarding historical credibility and motivation.” Id. Dr. Brown concluded that “[t]he FCE findings are considered unreliable in assessing Mr. Prado’s functional capacity,” and that Plaintiffs “reported severity of disability, as noted on Oswestry testing, is inconsistent with his demonstrated capacity on video surveillance.” Id. Dr. Brown identified restrictions and limitations that would apply to Plaintiff as of February 29, 2006: “Occasional lift/carry/push/pull 10 pounds; No overhead work or repetitive reaching over shoulder level; Occasional stand/walk, 30 minutes per session; Brief position change (<1 minute) during periods of prolonged sitting, if needed.” CF 0361. Dr. Brown claimed to have made multiple attempts to contact Dr. Zucherman to obtain his opinion “as to whether Mr. Prado could have resumed full-time sedentary work by 2/29/06,” with the first attempt made on September 30, 2009. CF 0370. On October 8, 2009, Brown faxed to Dr. Zucherman a letter asking that he respond to a series of questions. CF 0383-0384. 11 On October 20, 2009, Gray faxed Dr. Brown’s letter to Dr. Zucherman a second time, asking him to respond by October 30, 2009. CF 0357-0358. Gray also wrote Plaintiffs counsel to advise that she needed more time to complete the appeal because she was still waiting for a response from Dr. Zucherman, and that if Dr. Zucherman did not respond by October 30, 2009, Liberty would render a determination without it. CF 0356-0358. The next day, on October 21, 2009, Gray faxed Dr. Zucherman again, stating that “under *1094 ERISA we have a requirement to render our decision within 90 days and it has come to my attention that the deadline will be October 25, 2009; therefore should you wish to provide your opinion to the following questions, please do so by October 25, 2009.” CF 0353. Gray sent a copy of the letter to Plaintiffs counsel. Plaintiffs counsel responded to Gray in a letter sent by fax on October 25, 2009. CF 0028. Plaintiffs counsel disagreed as to the due date to complete the review, but stated, “we cannot obtain a response from Dr. Zucherman in the small amount of time allowed.” Id. Plaintiffs counsel stated that a number of the questions Liberty sought answered were included in prior statements by Dr. Zucherman — specifically, his January 10, 2006 and April 15, 2006 letters, and a February 27, 2007 SSA medical source statement. CR 0029. Plaintiffs counsel also expressed concerns about the objectiveness of Dr. Brown, enclosing a deposition from another case which he claimed “shows this physician is essentially employed full time working for Liberty Mutual.” CF 0046-0101. In this deposition, conducted October 25, 2009, Dr. Brown states that she has not engaged in direct patient care since December 31, 2002; that she has worked for Liberty since 2000; that she has worked approximately thirty hours per week for Liberty during several of those years; and that she reviewed more than one hundred claims for Liberty in 2005. CF 0049, 0054. Plaintiffs counsel sought the twenty-five most recent reports done for Liberty by Dr. Brown, with the names of the claimants removed. CR 0029. Plaintiffs counsel also included additional medical writing on evaluation of pain. Id. On October 27, 2009, Liberty upheld its denial of Plaintiffs claim, confirming its earlier determination that Plaintiff was not disabled from performing “any occupation.” CF 0017-0025. In the letter, Gray referenced the findings of Dr. Kaplan and Dr. Brown; Dr. Zucherman’s failure to respond to Dr. Brown’s questions; the surveillance reports; the Oswestry disability scoring; and the FCE. Id. The SSA decision was not mentioned, although Gray did state that Liberty had received the correspondence sent by Plaintiffs counsel and considered this information. CF 0018. Gray stated that the record demonstrated “[mjultiple functional inconsistencies and inconsistent pain behaviors ... raising questions regarding historical credibility and motivation.” CF 0020. III. CONCLUSIONS OF LAW A. Legal Standards 1. Rule 52(a) Federal Rule of Civil Procedure 52(a)(1) provides: “In an action tried on the facts without a jury ..., the court must find the facts specially and state its conclusions of law separately.” In a Rule 52 motion, as opposed to a Rule 56 motion for summary judgment, the court does not determine whether there is an issue of material fact, but actually decides whether the plaintiff is disabled under the policy. See Kearney v. Standard Ins. Co., 175 F.3d 1084, 1095 (9th Cir.1999). The court is to “evaluate the persuasiveness of conflicting testimony,” and make findings of fact. Id. 2. ERISA Standard of Review ERISA benefits determinations are to be reviewed de novo unless the language of the plan documents gives the administrator discretionary authority to determine eligibility for benefits or to construe the terms of the plan. Met. Life Ins. Co. v. Glenn, 554 U.S. 105, 111-12, 128 S.Ct. 2343, 171 L.Ed.2d 299 (2008). Where an administrator has retained dis *1095 cretionary authority, abuse of discretion is the appropriate standard of review. Id. A plan administrator that also acts as the funding source for benefits operates under a “structural” conflict of interest. Abatie v. Alta Health & Life Ins. Co., 458 F.3d 955, 965 (9th Cir.2006). Such a conflict “must be weighed as a factor in determining whether there is an abuse of discretion.” Glenn, 554 U.S. at 111-12, 128 S.Ct. 2343. This is because “[a]n insurance company that approaches claims-handling unfairly in an ERISA plan may have an incentive to be more unfair than, say, a life insurer or auto-liability insurer, because it cannot be subjected to the punitive damages for bad faith that are the bogeymen of insurance companies in those fields.” Salomaa v. Honda Long Term Disability Plan, 642 F.3d 666, 675 (9th Cir.2011). This leads to an abuse-of-discretion standard “tempered by skepticism commensurate with the plan administrator’s conflict of interest.” Abatie, 458 F.3d at 959. B. Liberty’s Conflict of Interest This Court has already found that Liberty operates under a structural conflict of interest and ruled that the applicable standard of review is “abuse of discretion tempered with skepticism commensurate with Liberty’s conflict of interest.” Aug. 2, 2010 Order at 14. The Court must determine whether this conflict of interest affected Liberty’s decision to deny Plaintiffs claim, and if it did, how much weight the Court should give it. Having considered all of the evidence, the Court concludes that this conflict had a considerable effect on the decisions Liberty made in denying Plaintiffs claim. First, the Court notes Liberty’s marked hostility to any evidence relating to Liberty’s conflict of interest being shared with Plaintiff during the claims process or put before the Court. ERISA regulations provide that “the claims procedures of a plan will not be deemed to provide a claimant with a reasonable opportunity for a full and fair review” unless they provide the claimant access to “all documents, records, and other information relevant to the claimant’s claim for benefits.” 29 C.F.R. § 2560.503 — l(h)(2)(iii). A document is “relevant” to a claim if it: (i) Was relied upon in making the benefit determination; (ii) Was submitted, considered, or generated in the course of making the benefit determination, without regard to whether such document, record, or other information was relied upon in making the benefit determination; (in) Demonstrates compliance with the administrative processes and safeguards required pursuant to paragraph (b)(5) of this section in making the benefit determination; 12 or (iv) In the case of a group health plan or a plan providing disability benefits, constitutes a statement of policy or guidance with respect to the plan concerning the denied treatment option or benefit for the claimant’s diagnosis, without regard to whether such advice or statement was relied upon in making the benefit determination. 29 C.F.R. § 2560.503-1(m)(8). Plaintiff and his counsel made multiple attempts during the claims process to acquire information relevant to determining *1096 the effect of the conflict of interest, such as information on the approval/denial rates of the reviewing doctors and “[a]ll policies and procedures of Liberty Life which are designed to mitigate the structural conflict of interest of Liberty.” CF 2189-2192. Liberty summarily rejected these requests, claiming that it had submitted all the information “received, reviewed, and considered” in evaluating Plaintiffs claim, and that it was under no obligation under ERISA to produce additional information. CF 2179. There are two possible conclusions the Court can make from the above. The first is that Liberty lacked administrative processes and safeguards to ensure claim determinations were made in accordance with plan documents and that similarly situated claimants were treated similarly, and that no statements of policy or guidance existed to guide Liberty’s representatives in evaluating Plaintiffs claim. The second is that Liberty had such processes, safeguards, and policies, but refused to share them with Plaintiff during the claims process. Either situation would violate ERISA regulations. Liberty’s refusal to disclose relevant documents continued into this action. The Court granted Plaintiff leave to conduct limited discovery into the nature, extent, and effect of Liberty’s conflict of interest on its decision-making process. Aug. 2, 2010 Order. Plaintiff served on Liberty a request for such documents under Federal Rule of Civil Procedure 34, but Liberty objected to the requests as vague and ambiguous and “exceeding] the scope of permissible discovery in ERISA.” Padway Decl. Ex. 2 (“Def.’s Resp.”) at 24. 13 Rather than produce evidence, Liberty stated, in a response not attributed to a specific declarant, that it had “employed a number of measures to insure that its claim determinations are not influenced by financial considerations,” including locating disability case managers in different offices, cities and states than employees who make underwriting and premium decisions. Id. at 25. Liberty continued: “at no time has the compensation the claims personnel involved in the handling of Plaintiffs claim or the appeal of claim determinations been based on or determined according to the number of claims for disability benefits that have been denied or terminated, including plaintiffs.” Id. This is an improper response to Plaintiffs Rule 34 request. The sole evidence Liberty filed in support of its Motion is the declaration of McGee, a litigation manager of disability claims for Liberty, who declares that Liberty takes steps “to ensure that a claim decision is not influenced by the company’s financial interests,” such as geographically separating disability case managers and underwriters and not compensating claims personnel “according to the number of claims for disability benefits that have been denied or terminated” or number of appeal denials. McGee Decl. ¶¶ 1-4. 14 Failure to present extrinsic evidence of an effort to assure accurate and unbiased claims assessment, such as “statistics regarding [the administrator’s] rate of claims denials or how frequently it contracts with the file reviewers it employ[s],” *1097 is a factor according significant weight to the conflict of interest. Montour v. Hartford Life & Acc. Ins. Co., 588 F.3d 623, 634 (9th Cir.2009). The Court finds that there is very little evidence of an effort to limit the effect of Liberty’s conflict of interest. The Court also finds that by refusing to respond to Plaintiffs requests for information, Plaintiffs right to a “full and fair review” under 29 C.F.R. § 2560.503-1 was compromised. Another factor is the administrator’s “decision to conduct a ‘pure paper’ review ... that is, to hire doctors to review [plaintiffs] files rather than to conduct an in-person medical evaluation of him.” Montour, 588 F.3d at 634. Here, Drs. Bonar, Kaplan, and Brown all completed pure paper reviews of Plaintiffs file. Liberty alleges that no physical examination was performed because the operative question was whether Plaintiff was disabled as of February 2006, and so an inquiry into his current physical status would be of little value. Following this logic, the 2009 surveillance video would be of little probative value of whether Plaintiff was disabled in 2006, yet Liberty placed great weight on the surveillance in its final benefits denial. As such, there are internal logical conflicts within Liberty’s argument. Another factor in determining what weight to afford a conflict of interest is a plan administrator’s failure to respond to a contrary SSA disability determination. Montour, 588 F.3d at 634. “While ERISA plan administrators are not bound by the SSA’s determination, complete disregard for a contrary conclusion without so much as an explanation raises questions about whether an adverse benefits determination was the product of a principled and deliberative reasoning process,” and “may indicate a failure to consider relevant evidence.” Id. Liberty claims that it considered the SSA decision in which Plaintiff was found to suffer from a long-term disability, but there is nothing in the Claim File to support this contention. Gray does not mention it by name in the October 27, 2009 denial letter. In her report, Dr. Brown states she considered it, but it is not discussed. Another factor is Liberty’s failure to provide Plaintiff with guidance as to what sort of evidence Liberty would find acceptable to establish a disability based on Plaintiffs pain. A plan administrator denying benefits in the first instance must “notify the claimant not just of the opportunity for internal agency review of that decision but also of what additional information would be necessary to perfect the claim.” Montour, 588 F.3d at 636 (quotation marks omitted). In its initial claim denial, Liberty suggested Plaintiff include “an opinion by Dr. Zucherman of the peer review, any office notes, diagnostic test results, hospital records, or any additional information which you feel will support Mr. Prado’s claim.” CF 2196. Plaintiff asked again and again for clarification as to what evidence Liberty would consider to be credible objective evidence of Plaintiffs pain, and was rebuffed repeatedly. Liberty’s responses offered no guidance as to how Plaintiff could perfect his claim. Liberty’s failures are all the more troubling given that the Court found in Prado I that Liberty had “provided no guidance to Plaintiff for what, specifically, Liberty needed in order to make an informed decision on Plaintiffs claim.” Prado I at *6. Yet another factor is Liberty’s reliance, at the eleventh hour, on the surveillance footage. “[A]n administrator that adds, in its final decision, a new reason for denial, a maneuver that has the effect of insulating the rationale from review, contravenes the purpose of ERISA.” Abatie, *1098 458 F.3d at 974. “This procedural violation must be weighed ... in deciding whether [the administrator] abused its discretion.” Id. While Liberty’s initial denial was premised on a lack of evidence of physical impairment, its final decision hinged on the Plaintiffs lack of credibility in light of the surveillance footage. Furthermore, Liberty’s last-minute reliance on the surveillance footage did not give Plaintiff an opportunity to respond to this basis for denial. The Court also notes several tactics Liberty used which Plaintiff alleges had the effect of compromising the fairness of the claims process. Plaintiff points to Liberty’s refusal to promptly identify the names of its reviewing physicians; the inconsistencies between the date of Dr. Kaplan’s report and the dates Dr. Kaplan alleges he attempted to contact Dr. Zucherman; the fact that calls to Dr. Zucherman were made at odd hours; and the fact that Liberty claimed an extension of the appeals period was required due to outstanding requests for information when no such outstanding requests existed. See PL’s Mot. While these may not be actionable in themselves, they do create the impression that the individuals handling and evaluating Plaintiffs claim on behalf of Liberty were less interested in offering a neutral and fair evaluation of Plaintiffs claim than they were in erecting procedural roadblocks. Finally, the Court considers the evidence in the Claim File suggesting that Liberty’s reviewing doctors operated under a conflict of interest. The evidence submitted by Plaintiff suggests Dr. Brown has not treated patients since 2002, and consults for several disability insurers. CF 0048. She has stated that she regularly worked upwards of thirty hours per week evaluating claims for Liberty. CF 0049. Similar evidence suggests Drs. Bomar and Kaplan operated under a conflict of interest. Liberty had the opportunity to add to the Claim File evidence that the medical examiners they contracted with where shielded from bias, but chose not to do so. The Court concludes that Liberty’s conflict of interest had a marked and pervasive effect on its claims determination process. It tempers its abuse-of-discretion review accordingly. C. Abuse of Discretion When there is a conflict of interest, “a modicum of evidence in the record supporting the administrator’s decision will not alone suffice.” Montour, 588 F.3d at 626. A plan administrator abuses its discretion if its decision is “(1) illogical, (2) implausible, or (3) without support in inferences that may be drawn from the facts in the record.” Salomaa, 642 F.3d at 676. In Salomaa, the Ninth Circuit reversed a plan administrator’s denial under this standard because (1) every doctor who examined the plaintiff concluded that he was disabled; (2) the plan administrator demanded objective tests to establish the existence of a condition for which there are no objective tests; (3) the administrator failed to consider an SSA disability award; (4) the reasons for denial shifted as they were refuted, were largely unsupported by the medical file, and only the denial stayed constant; and (5) the plan administrator failed to engage in the required “meaningful dialogue” with plaintiff. Id. The Court finds many similarities between the present case and Salomaa. Dr. Zucherman consistently concluded that Plaintiff was totally disabled. Dr. Sigurd-son concluded he suffered from a disability precluding heavy work and was “temporarily totally disabled as far as the neck and arms is concerned.” CF 1993. No *1099 doctor who examined Plaintiff around February 28, 2006 determined that Plaintiff was capable of returning to full-time work. Liberty had the opportunity and right under the Plan to examine Plaintiff, but chose not to. Second, while Liberty never demanded objective tests of Plaintiffs pain, the reviewing doctors discounted Plaintiffs self-reported pain as “subjective.” It is clear from Dr. Kaplan’s report that the lack of objective evidence of disability was a major factor in his conclusion that Plaintiff was not disabled, and it is clear that he gave little weight to Plaintiffs subjective reports of pain. CF 2225 (finding “no objective anatomical basis” for restrictions, and concluding, “as of the present time the claimant’s presentation is essentially that of subjective pain with subjective limitations in spinal range of motion without any anatomical lesion or physiological reason to explain these reported symptoms”). Liberty discounted the Oswestry scores and concluded that the FCE testing was unreliable. Thus, while Liberty did not demand objective tests, it placed little weight on Plaintiffs subjective reports, discredited every objective test conducted and submitted by Plaintiff, and refused to identify an objective test that Liberty deemed acceptable. Third, Liberty clearly failed to consider the SSA disability award. It is not mentioned in the final denial letter, and is not discussed in Dr. Brown’s report. Fourth, as stated above, Liberty’s reasons for denial shifted as they were refuted. The final reasons for denial are also unsupported by the record. Liberty treats the surveillance footage as a smoking gun, but a careful review of the record shows otherwise. As Plaintiff points out, much of the activity Horsemen claimed to have witnessed is not captured in the video footage. The activity reported is not inconsistent with Plaintiffs self-reported activity. In the questionnaire submitted in July 2008, Plaintiff stated he could sit, stand, or walk for periods of ten to fifteen minutes; that he left his house daily; and that he could drive his daughter to work, tend to his garden, wash his car, and carry light groceries. CF 3023-3024. This level of activity is what is demonstrated in the surveillance video. Liberty submits twenty minutes of surveillance footage — culled from six days of surveillance — as evidence that Plaintiff could walk, stand, and sit for periods of thirty minutes or longer. The evidence simply does not show this. Furthermore, several doctors who performed in-person evaluations of Plaintiff noted that his gait and range of motion was normal. E.g., CF 1852-1854, 1470. Thus, the fact that Plaintiff did not display “visible signs of hesitation or restriction” is not inconsistent with the record. That Liberty also premises its final denial on Dr. Zucherman’s failure to respond to Dr. Brown’s request for information is perplexing. Liberty did not explain to Plaintiff why Dr. Zucherman’s response was critical during the appeal, and it has failed to do so in this action. Most of the information sought was already in the record. Dr. Zucherman had made a determination that as of February, 2006, Plaintiff was completely disabled. On May 4, 2009, he clarified that he was “not a qualified medical examiner” and that the limitations were “based on subjective complaints,” but otherwise confirmed this determination, finding “part-time light duty work with control over his workstation” to be a “reasonable expectation.” CF 0582. There are other inconsistencies between Liberty’s final denial and the record. Dr. Brown clearly states that her report did not address “possible impairment related to chronic headaches and hypertension, as these fall beyond my current area of ex *1100 pertise.” CF 0360. But it is clear from the record that Plaintiffs headaches were a major cause of his disability. Similarly, Dr. Brown concludes that Plaintiffs activity would be restricted to lifting, carrying, pushing, and pulling weights up to ten pounds, that he could not perform overhead work, and that he would be limited to “occasional walking or standing, for 30 minutes at a time.” CF 0361. These restrictions are inconsistent with the restrictions Cooper considered when he identified five suitable occupations for Plaintiff that existed within his local and regional economy. CF 2233-2235. Cooper had assumed Plaintiff was capable of lifting up to twenty pounds and would not otherwise be restricted, save for “avoidance of more than occasional bending, squatting, stooping or kneeling.” CF 2308-2313. Finally, Liberty clearly failed to engage in meaningful dialogue with Plaintiff by failing to provide guidance on how to perfect his claim, refusing Plaintiffs repeated requests for information, and denying Plaintiff the opportunity to respond to Dr. Brown’s analysis of the surveillance video. On the basis of the above, the Court finds Liberty abused its discretion in denying Plaintiffs claim. Having considered the evidence, the Court finds that Plaintiff is disabled under the “any occupation” standard as of February 28, 2006, and is thus entitled to long-term disability benefits under the Plan. D. Plaintiff’s Claim under California Insurance Code 10111.2 Plaintiff has filed a separate claim against Liberty for interest due under section 10111.2 of California’s Insurance Code. Pl.’s Mot. at 25. Section 10111.2 provides for prejudgment interest at a rate of ten percent. Cal. Ins.Code § 10111.2. Liberty argues that section 10111.2 is preempted by ERISA. Many courts have found that allowing a plaintiff to proceed with a state law claim under section 10111.2 would effectively impose a mandatory prejudgment interest rate of ten percent on successful ERISA claims, improperly expanding the scope of ERISA damages and supplementing the ERISA enforcement remedy. E.g., White v. Coblentz, Patch and Bass LLP Long Term Disability Ins. Plan, No. 10-1855, 2011 WL 2531193, at *6 (N.D.Cal. June 24, 2011); Tumipseed v. Educ. Mgmt. LLC’s Emp. Disability Plan, No. 09-3811, 2010 WL 140384, at *4 (N.D.Cal. Jan. 13, 2010); Minton v. Deloitte & Touche USA LLP Plan, 631 F.Supp.2d 1213, 1220 (N.D.Cal. 2009). Accordingly, the Court finds Plaintiffs claim for interest under section 10111.2 to be preempted by ERISA, and finds for Liberty on this claim. E. Plaintiff’s Claim under 29 U.S.C. § 1132(c) Plaintiff argues that Liberty failed to provide documents during the claims procedure, and thus Liberty must pay 29 U.S.C. 1132(c)’s daily statutory penalty for failing to provide documents. Pl.’s Mot. at 23. ERISA provides that any “administrator” who “ ‘fails to comply with a request for any information which such administrator is required by this subchapter to furnish to a participant or beneficiary (unless such failure or refusal results from matters reasonably beyond the control of the administrator)’ may be liable in the court’s discretion for an amount up to $100 per day from the date of such failure or refusal.” 29 U.S.C. § 1132(c). Plaintiff claims that Liberty failed to produce the Plan documents and “relevant” documents under 29 C.F.R. § 2560.503-1(m)(8), and thus should be liable under section 1132(c). Liberty argues that it served as the “claims administrator,” and not the “plan administrator,” and that section 1132(c) *1101 only applies to plan administrators. Liberty also argues that section 1132(c) does not extend to “relevant” documents under 29 C.F.R. § 2560.503-1(m)(8), and that it produced all Plan documents during the claims process. The Court has determined that by failing to produce “relevant” documents during the claims process, Liberty denied Plaintiff a “full and fair review” of his claim. At issue is whether Liberty should be subject to the $100-per-day penalty under section 1132(c) for this failure. By its terms, section 1132(c) is limited to information required by “this subchapter.” 29 U.S.C. § 1132(c). As such, it does not extend to documents identified in 29 C.F.R. § 2560.503-1. See Ramos v. Bank of America, 779 F.Supp.2d 1058, 1083 (N.D.Cal.2011) (“While § 2560.503-1 does impose requirements on plans with regard to claim procedures, nothing in the statutory or regulatory scheme suggests that an ERISA claimant may bring an action for civil penalties under § 1132(c) for a plan’s failure to comply with those requirements.”). The Court finds that Liberty satisfied its disclosure duties under section 1132(c) by producing the Policy and SPD, and finds for Liberty on this claim. F. Attorneys’Fees Plaintiff additionally seeks attorneys’ fees. Pl.’s FFCL ¶85. 29 U.S.C. § 1132(g) allows the Court to award attorneys’ fees and costs in civil actions under ERISA. In Hummell v. S.E. Rykoff & Co., the Ninth Circuit provided five factors that guide the Court’s exercise of discretion in this matter. 634 F.2d 446, 453 (9th Cir.1980). These factors include: (1) the degree of the opposing parties’ culpability or bad faith; (2) the ability of the opposing parties to satisfy an award of fees; (3) whether an award of fees against the opposing parties would deter others from acting under similar circumstances; (4) whether the parties requesting fees sought to benefit all participants and beneficiaries of an ERISA plan or to resolve a significant legal question regarding ERISA; and (5) the relative merits of the parties’ positions. Id. A proper application of the factors generally results in an award of fees and costs to plaintiffs who succeed on any significant issue in litigation. Smith v. CMTA-IAM Pension Trust, 746 F.2d 587, 589 (9th Cir.1984). The Court finds that several of these factors favor an award of attorneys’ fees to Plaintiff—chiefly, Liberty’s actions during the claims process and the current action in failing to produce documents and in mischaracterizing the administrative record border on bad faith. The Court finds that an award of attorneys’ fees may deter other claim administrators from engaging in similar behavior. Accordingly, the Court finds an award of attorneys’ fees to Plaintiff to be appropriate. IV. CONCLUSION For the forgoing reasons, the Court finds as follows: • The Court finds in favor of Plaintiff Antonio Prado and against Defendant Allied Domecq Spirits and Wine Group Disability Income Policy and Real Party in Interest Liberty Life Assurance Company of Boston on Plaintiffs first claim for relief for failure to extend benefits under a long-term disability plan covered by ERISA. Plaintiff is entitled to back benefits from March 1, 2006 until the date thirty days after the date of this Order. The parties are to meet and confer on the amount of back benefits and file a stipulation on that amount within fourteen (14) days of the date of this Order. If the parties are unable to agree, they shall each file within fourteen (14) days of *1102 the date of this Order a letter brief not to exceed three pages setting forth their position. Commencing thirty (30) days after the date of this Order, Liberty shall pay Plaintiff monthly benefits as they come due for so long as he remains disabled and eligible for benefits under the policy. • The Court finds in favor of Liberty and against Plaintiff on Plaintiffs second claim for relief for interest under California Insurance Code § 10111.2. • The Court finds in favor of Liberty and against Plaintiff on Plaintiffs third claim for relief for failure to produce records under 29 U.S.C. § 1132(c). • Plaintiff is entitled to attorneys’ fees and costs under 29 U.S.C. § 1132(g). Within thirty (30) days of this Order, Plaintiff shall file a motion for attorneys’ fees, supported with appropriate evidence. Liberty shall have fourteen (14) days from to object to Plaintiffs motion or the evidence submitted in support of it. The Court will enter judgment in this action after it rules on Plaintiffs motion. If Plaintiff fails to file a motion for attorneys’ fees within this timeframe, the Court will enter its final judgment in this action and close the case. IT IS SO ORDERED. Footnotes [1] Plaintiffs Motion was erroneously electronically filed as a trial brief. [2] Lisa Gray ("Gray”), appeal review consultant for Liberty, filed a declaration in support of Liberty's Motion. ECF No. 47. [3] Carolyn McNerney ("McNerney”) filed a declaration in support of Liberty’s Motion. ECF No. 48. [4] In this Circuit, the SPD constitutes a plan document that "should be considered when interpreting an ERISA plan.” Bergt v. Ret. Plan for Pilots Employed by MarkAir, Inc., 293 F.3d 1139, 1143 (9th Cir.2002). [5] In its August 2, 2010 Order, the Court sustained Plaintiff’s objection to a similar declaration by McNerney in which she attempted to authenticate these plan documents, and permitted Plaintiff to conduct discovery of the plan documents. Aug. 2, 2010 Order at 13. While Liberty was uncooperative in responding to Plaintiff’s discovery requests, as the Court discusses infra, Liberty did produce a document that it identified as "Group Income Disability Policy GF3-841-431862-01” and five amendments to it. Cogan Decl. Ex. D. ("Exhibit D”). Both the Policy produced during the claims process and Exhibit D bear the same policy number ("GF3-841-43186201”). The first pages of both documents differ (Exhibit D is signed by the "secretary” and "president,” while the Policy is not). Id. at 2. Exhibit D includes Allied’s application for group insurance, id. at 40, while the Policy does not. Exhibit D contains Amendments 1 through 5, Ex. D. at 41-52, while the Policy produced during the claims process does not. Otherwise, the two documents appear to be identical. [6] ECF No. 41. [7] Liberty objects to the declarations of Moon and Plaintiff. ECF No. 52. The Court OVERRULES Liberty’s objection, finding the declarations relevant under Saffon, 522 F.3d at 872, as related to a new reason for denial offered by Liberty in its final administrative decision. [8] Plaintiff notes that Dr. Kaplan dated and signed his report on December 17, 2008, which is before the dates on which Dr. Kaplan claims these calls were made and not returned. Plaintiff argues this is evidence that Dr. Kaplan had "no serious interest in Dr. Zucherman’s opinion,” and suggests this "may explain why the purported phone calls are made at odd times, such as the one claimed to be made at 3:47 a.m.” Pl’s Mot. at 16-17. [9] Plaintiff argues that the Court should disregard all of the surveillance evidence, alleging it was added to the administrative record after the appeals process. Under 29 C.F.R. § 2560.503—1(i)(1) and (i)(3)(i), an administrator has forty-five days to decide a disability appeal, but may extend this time for an additional forty-five days if the plan administrator *1093 determines that an extension is required, provides written notice of the extension, and indicates the special circumstances requiring an extension of time and the date by which the plan expects to render the determination on review. Liberty's August 26, 2009 letter-sent less than forty-five days after its July 29, 2009 receipt of Plaintiff's appeal-sought to extend Liberty’s time to respond an additional forty-five days to October 26, 2009, but did not indicate the special circumstances necessitating the extension. Liberty's September 23, 2009 letter sought to extend Liberty’s time to respond and indicated the special circumstances necessitating the extension, but was not filed within forty-five days of the filing of the appeal. As such, both of Liberty’s attempts to extend review were procedurally defective. The Court finds these procedural defects are not proper grounds to strike evidence from the Claim File, however. Nor does the Court accept Plaintiff’s argument that it should disregard the surveillance video because Liberty allegedly misrepresented its reason for requesting additional time. [10] The Court takes judicial notice of the fact that February 29, 2006 is not a valid date, as 2006 was not a leap year. [11] Plaintiff argues that the fact that this letter was sent on the same day Dr. Brown turned in her final report suggests Dr. Brown was not truly interested in incorporating Dr. Zucherman's responses into her report. Pl.’s Mot. at 20. [12] Paragraph (b)(5) requires that "claims procedures contain administrative processes and safeguards designed to ensure and to verify that benefit claim determinations are made in accordance with governing plan documents and that, where appropriate, the plan provisions have been applied consistently with respect to similarly situated claimants.” 29 C.F.R. § 2560.503 — 1 (b)(5). [13] Laurence F. Padway ("Padway”), counsel for Plaintiff, filed a declaration in support of Plaintiff's Motion. ECF No. 43. [14] Liberty offers its response to Plaintiff’s Rule 34 request, as well as the McGee declaration, as evidence that Liberty took steps to minimize the effect of the conflict of interest. Def.'s Opp’n at 4. The Court finds Liberty's Rule 34 response to be improper, and it gives little weight to the statements of McGee, who admits that she works within Liberty's litigation department and is familiar with Plaintiff’s claim.