District Court, N.D. Alabama February 22, 2018, 7:17–cv–00015–LSC (Garrison v. Lincoln Nat'l Life Ins. Co.)

I. BACKGROUND1

Garrison, a 37 year old male, was an employee of Collision Center Payroll, Inc., also known as Joe Hudson's Collision Center ("Collision Center"), as an automobile body technician. As an employee, Garrison was a participant in a welfare benefit plan funded, in part, by group insurance policies issued by Lincoln.