Mullins v. Consol Energy Inc. Long Term Disability Plan

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Timothy Mullins, a coal miner, suffered an ankle stress fracture in 2015 while working as a Section Supervisor at a coal mine owned by CONSOL Energy, Inc. He initially received long-term disability benefits under CONSOL’s ERISA-governed Long-Term Disability Plan, administered by Lincoln Financial Group. However, his benefits were terminated in 2020 after Lincoln determined, based on medical evaluations and a vocational assessment, that Mullins did not demonstrate “total disability” as required under the Plan. Lincoln’s decision was based on a vocational report that incorrectly listed Mullins’s job as “Mine Superintendent” rather than Section Supervisor.

The United States District Court for the Western District of Pennsylvania upheld Lincoln’s decision to terminate Mullins’s benefits, granting summary judgment in favor of the Plan. The District Court found that Lincoln’s decision was supported by substantial medical and vocational evidence and was not arbitrary and capricious. Mullins appealed the decision, arguing that Lincoln’s reliance on the incorrect job title in the vocational report led to an erroneous termination of his benefits.

The United States Court of Appeals for the Third Circuit reviewed the case and found that Lincoln’s reliance on the incorrect vocational report was arbitrary and capricious. The court noted that the error in the job title led to an incorrect assessment of Mullins’s qualifications and experience, which in turn resulted in the wrongful termination of his benefits. The Third Circuit vacated the District Court’s judgment and remanded the case for reinstatement of Mullins’s long-term disability benefits. The court also instructed the District Court to consider Mullins’s claim regarding the improper offset of benefits due to Social Security disability benefits. Credit Justia U.S. Law.