District Court, S.D. New York July 9, 2015, No. 12-cv-9327 (LAK) (Doe v. Unum Life Insurance Co. of America)

MEMORANDUM OPINION

LEWIS A KAPLAN, District Judge.

Plaintiff alleges that he wrongfully was denied long-term disability benefits by Unum Life Insurance Company of America (“Unum”) in violation of the Employee Retirement Income Security Act of 1974 (“ERISA”), 29 U.S.C. § 1001 et seq. The *222matter now is before the Court following a bench trial on a stipulated record.1

I.