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Snitselaar v. Unum Life Insurance Co.

United States District Court, N.D. Iowa, Cedar Rapids Division

April 17, 2019

MICHELLE SNITSELAAR, Plaintiff,
v.
UNUM LIFE INSURANCE COMPANY OF AMERICA and MOUNT MERCY UNIVERSITY, Defendants.

          ORDER

          LINDA R. READE JUDGE

         TABLE OF CONTENTS

         I. INTRODUCTION .......................................1

         II. RELEVANT PROCEDURAL BACKGROUND ....................1

         III. ANALYSIS ............................................2

         A. Legal Background .................................. 3

         B. Westerhaus Factors .................................4

         1. Culpability ...................................5

         2. Defendant's ability to pay .........................5

         3. Deterrent effect ................................6

         4. Number of plan participants benefitted .................6

         5. Relative merit of parties' positions ....................7

         6. Other factors .................................7

         7. Summary ....................................8

         C. “Expenses” .......................................9

         IV. CONCLUSION ...


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