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Home My WebLink About01-1379 FX ~ ~~ - - , ~ ' , '~. - ~ilf ~~~''-''~;:: '. " . MAFFETT & ASSOCIATES By: Richard F. Maffett. Jr.. Esquire 10 #35539 2201 North Second Street Harrisburg. PA 17110 717-233-4160 Attorneys for Plaintiff REBECCA M. ADAMS, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v NO.O i- 131/ METROPOLITAN LIFE INSURANCE COMPANY, d/b/a MetLife, Defendant CIVIL ACTION - LAW JURY TRIAL DEMANDED NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that, if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff(s). You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DON'T HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 800-990-9108' ...... -~';<..-""~-:n8Bl1G:; " NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomaro medidas y puede entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion do demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGAGO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIER ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 800-990-9108 'I"n.' , ~~ ~-- ~ """""""" """"",~,,,,"-,,",,,,,",.,h' '. MAFFETT & ASSOCIATES By: Richard F. Maffett. Jr., Esquire 10 #35539 2201 North Second Street Harrisburg. PA 17110 717-233-4160 Attorneys for Plaintiff REBECCA M. ADAMS, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v NO. U 1- / 3'7C! ~~ ---- I l-<-'Y"'- METROPOLITAN LIFE INSURANCE COMPANY, d/b/a MetLife, Defendant CIVIL ACTION - LAW JURY TRIAL DEMANDED COMPLAINT AND NOW, this C),.t. '" day of March, 2001, comes the Plaintiff, REBECCA M. ADAMS, by her attorney, Richard F. Maffett, Jr., Esquire, of Maffett & Associates, and avers the following: 1. Plaintiff, Rebecca M. Adams, is an adult individual who resides at 506 Penn Ayr Road, Camp Hill, Cumberland County, Pennsylvania. 2. Defendant, Metropolitan Life Insurance Company, d/b/a MetLife, is an insurance company, incorporated in the state of New York, which regularly conducts business in the Commonwealth of Pennsylvania, with a place of business at 2040 Linglestown Road, Harrisburg, Dauphin County, Pennsylvania. .~~....~ ~,~ 'B~M,,",,=,".I ,,~ __. ,-I '. I - ~"-'-'''"~''''''''''';"'"'tMj,_~,,,,,"~,"_.,,,,,,,.' '. 3. Beginning on or about June 1, 1987, and at all relevant times to this litigation thereafter, Defendant contracted with Commercial union Insurance Company to provide long term disability insurance benefits to the employees of Commercial Union Insurance Company, and the Defendant issued a group long term disability insurance policy setting forth the conditions of eligibility, benefits paid, and restrictions upon coverage, a copy of which is attached as "Exhibit A." 4. At all relevant times herein, Plaintiff was a full-time employee of Commercial Union Insurance Company, located at 5000 Ritter Road, Mechanicsburg, Cumberland County, pennsylvania, and was an insured, eligible for and entitled to benefits as a covered person, under the aforementioned policy. 5. The aforesaid group long term disability insurance policy provides for payment of monthly benefits to an employee, after expiration of a waiting period, of sixty (60%) percent of the employee's basic monthly earnings, up to $5,000.00 per month, but not less than $50.00 per month, for any period of disability. 6. Beginning on or about September 14, 1993, Plaintiff became unable to do her job with Commercial Union Insurance 2 ,;."'- , , , ~ '" ~~~'~ ~~'~,"'''.''~'-;'''~''-''',i ,~-O., Company, and was fully and totally disabled, as a result of multiple sclerosis. 7. Upon application by Plaintiff, and after exhaustion of the waiting period, on March 14, 1994, Defendant notified Plaintiff that her claim for long term disability benefits under the aforesaid policy was approved, effective February 17, 1994. 8. Defendant paid Plaintiff long term disability benefits pursuant to the aforesaid policy for the period from February 17, 1994 through July 5, 2000. 9. On July 5, 2000, Defendant unilaterally and unlawfully terminated payment of long term disability benefits to Plaintiff pursuant to the aforesaid insurance policy, despite the fact that Plaintiff remained totally disabled and eligible for benefits under said policy. 10. on August 30, 2000, pursuant to the provisions of the aforesaid group long term disability insurance policy, Plaintiff requested review by Defendant of Defendant's denial of Plaintiff's claim for payment of continuing long term disability benefits. 3 , ,~ '-'- ~ ~ ~.-..... ~ ~~?_~""'<'4,-;,;""",,,,,,,=,>,' 11. Despite repeated requests by Plaintiff thereafter, Defendant has tailed and refused to reinstate payment of Plaintiff's long term disability benefits pursuant to the aforesaid policy, and/or to render a determination as to Plaintiff's request for review of the decision to deny Plaintiff further benefits. 12. At all times from July 5, 2000 to the present and continuing, Plaintiff has not worked, has been unable to perform any gainful employment, and has remained totally disabled as a result of her multiple sclerosis, and complications thereof. 13. At all times from July 5, 2000 to the present and continuing, Plaintiff has been eligible and entitled to benefits for long term disability pursuant to the aforesaid group insurance policy issued by Defendant. 14. At all times since July 5, 2000, Plaintiff has complied with her responsibilities and duties pursuant to the aforesaid contract, including submission to Defendant of proof of her continuing total disability as required. 15. Plaintiff is entitled to payment of long term disability benefits pursuant to the aforesaid group insurance policy, at a 4 ",,"' . , J "'. O~ '~~ ,._.. .~ "-.' ,.~ ',__!l't.""""'~'O'C'""'''''~-"o"," rate of $1,862.50 per month from July 5, 2000, to the present and continuing indefinitely in the future. COUNT I: BREACH OF CONTRACT 16. Plaintiff incorporates by reference the averments of Paragraphs 1 through 15 above, as fully as though herein set forth at length. 17. Beginning on July 5, 2000, and continuing to the present, Defendant breached the aforesaid contract of insurance for long term disability benefits, under which Plaintiff is a covered person and beneficiary, by failing to pay Plaintiff the long term disability benefits she is due pursuant to said policy. 18. Defendant is obligated, pursuant to the aforesaid group long term disability insurance policy with Commercial union Insurance Company, to pay to Plaintiff, a covered person and beneficiary, long term disability benefits in the amount of $1,862.50 per month since July 5, 2000 to the present, and continuing indefinitely into the future. 19. Defendant's breach of the aforesaid long term disability group insurance policy, pursuant to which Plaintiff is a covered person and beneficiary, has damaged Plaintiff in the amount of 5 'J...LJ ""' . .~ "_W-o""C-""t..o"';'<'-'_.__1 $16,762.50 to date, which said damages continue to accrue on a monthly basis. WHEREFORE, Plaintiff requests that this Court enter judgment in her favor and award her damages as claimed, plus interest and costs of suit, in excess of the compulsory arbitration limit of $25,000.00 for Cumberland County. COUNT II: PUNITIVE DAMAGES 20. Plaintiff incorporates by reference the Averments of Paragraphs 1 through 19 above, as fully as though herein set forth at length. 21. Defendant has acted unreasonably, without just cause, and unlawfully by refusing payment to Plaintiff of the aforementioned long term total disability benefits due her pursuant to the aforesaid group disability insurance policy. 22. Defendant's actions, as described herein and above, were wanton, wilful, malicious, and outrageous, and were taken because of Defendant's evil motives and reckless indifference to the rights and property interests of Plaintiff. 6 " ,~ .i . " "' ....'~~.......~_;;n;w.,,~'4,"-'"M^ 23. As a result of Defendant's aforesaid bad faith and refusal to pay the long term disability benefits due, Plaintiff is entitled to punitive damages. 24. Because of Defendant's aforesaid bad faith and refusal to pay the long term disability benefits due, Plaintiff is entitled to the payment by Defendant of Plaintiff's reasonable attorneys fees for representation in this matter. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in her favor, in the nature of punitive damages against Defendant, of an amount in excess of $25,000.00, an amount which is greater than the Cumberland County compulsory arbitration limit, together with attorneys fees, interest, and costs. Respectfully submitted, ;lA/f J 1t11;f ~ . Richard F. Maffett, Jr., Esq. 7 -~ ", I i ~ ~ ''" '~' ^~" <-~",'''i'''-",,''''',,"''''''''';'', -, VERIFICATION I, REBECCA M. ADAMS, have read the foregoing Complaint and hereby affirm that it is true and correct to the best of my knowledge, or information and belief. This verification and statement is made subject to the penalties of 18 Pa. C.S.A. ~4904 relating to unsworn falsification to authorities; I verify that all statements made in the foregoing are true and correct and that false statements may subject me to the penalties of 18 Pa. C.S.A. !l4904. Dated: fY1~ d, :MOl \~~q.Ad~ REBECCA M. ADAMS, Plaintiff ,,,-" .,,' " I -" ~_.~.. 1_~,--,,,j,,,~.u.,,"_,"-jj,, / . . I(<'l" \1~ C/) w - Z c:t a. ~ ~ 0 ..:.:...... U W Z u a. c:t z :::l ...I c:t 0 a. 0:: 0:: W :::l ~ U C/) 0:: Z Z c:t :::l 0:: Z 0 :::l 0 >- C/) z Z :::l ...I c:t U Cl:: W ~ ~ 0 0 EXHIBIT U A ( -...' :..'i" ~~ )... ~..~. 8 " z o I- U ::l C o c:: I- Z o.Qj :J E 00 ~ u OQj ..."" 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'" u~~..:::::ro,oo~ ...::J~U)c:... nJ ':;'0 >.;; c. ::J R1..c ralliED ~....lIIl1)"CQ,I_>. Q,l1II II) ::J III > Q) 3: ~ 0 C" ~..... Q,I g..9l"C \0 ~ 3: g Q,lQ.I~~cc:EE ..c...... -Q,I ....c:...Q,l'5..c:-E '" .r:-:>"'o =o~~::?,"'qu '"~ ~'~'"''"~-'"-~''' I <Xl T'< I '" .c ~ " o '" '0 " '" " o ;:i '" Ea:; ... " ,2" E'" E ~~ ..", =E "';:i ~'" '" " ,,- ro" ~.Q , III ~u '" ='0 ~'" .r: ,," "'.... ~O 0'0 0.'" o E ...... Q;~ .::;!~ I .... .... I ,I '~" "~. ",;,J-J' ~~' ~~..,~"~, . 1, :..,~';'''''''''''''',"---!b''~ -,' .. SHERIFF'S RETURN - OUT OF COUNTY ,CASE NO: 2001-01379 P ',\cOMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ADAMS REBECCA M VS METROPOLITAN LIFE INSURANCE R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: METROPOLITAN LIFE INSURANCE COMPANY D/B/A METLIFE but was unable to locate Them in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, Pennsylvania, to serve the within COMPLAINT & NOTICE On March 26th , 2001 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep. Dauphin Co 18.00 9.00 10.00 30.50 .00 67.50 03/26/2001 MAFFETT & ASSOCIATES ~~ R. homas Kline Sheriff of Cumberland County Sworn and subscribed to before me this .lIE:: day of '~ 2nJ/ A.D. ~,~t2 ~ /~ Prothonotary ,)Wli)"'+ ~ ........ L, ,- _.~ .'~~"~ __""~".;r''''-''-i-...mi,,,,',' ..< . @ffice of llre ~4e:riff i' William T Tully Solicitor Ralph G. McAllister Chief Deputy Mary Jane Snyder Real Estate Deputy Michael W. Rinehart Assistant Chief Deputy Danphin County Harrisburg, Pennsylvania 17101 ph: (717) 255-2660 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania ADAMS REBECCJ'- H vs County of Dauphin METROPOLITAN LIFE INSURANCE CO Sheriff's Return No. 0778-T - -2001 OTHER COUNTY NO. 01-1379 AND NOW: March 19, 2001 at 9:45AM served the within CIVIL ACTION COMPLAINT upon METROPOLITAN LIFE INSURANCE CO D/B/A METLIFE to CONNIE MOODY, GENERAL OFFICE ASST. by personally handing 1 true attested copy (ies) of the original CIVIL ACTION COMPLAINT and making known to him/her the contents thereof at 2040 LINGLESTOWN RD. HARRISBURG, PA 17110-0000 By Pa. Sworn and subscribed to before me this 20TH day of MARCH, 2001 ~ C-. ~~ { PROTHONOTARY Sheriff Sheriff's Costs: $30.50 PD 03/16/2001 RCPT NO 147678 TORO EIlt--eh. "l~..... ,'-.. ,..J ,,~ ""' . "",,~~"f"""",S{=-"'ffil.J'W, J. t. In The Court of Common Pleas of Cumberland County, Pennsylvania Rebecca M. Adams , VS. Metropolitan Life Insurance Company, d/b/a MetLife No. 01-1379 Civil Now, 3/12/01 ,20 () (I , I, SHERIFF OF ClJMBERLAND COUNTY, PA, do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. , r-~~t' Sheriff of Cumberland County, PA Affidavit of Service Now, , 20_, at o'clock M. served the within upon at by handing to a copy of the original and made known to the contents thereof. So answers, Sheriff of County, P A Sworn and subscribed before methis_ day of ,20_ COSTS SERVICE JvfILEAGE A.FFIDA VIT $ $ Ii, ,~~ ,_ ..k=~.J~~. ... .. - ". J"'"""-'-t "~'.'. ~""'.ci"""..,.~,,,,,,cd' ~ E. Thomas Henefer Attorney LD. No. 55773 111 North Sixth Street P.O. Box 679 Reading, Pennsylvania 19603 (610) 478-2000 REBECCA M, ADAMS, CUMBERLAND COUNTY COURT OF COMMON PLEAS Plaintiff CIVIL ACTION - LAW v. METROPOLITAN LIFE INSURANCE COMPANY, No. 01-1379 Defendant NOTICE TO PROTHONOTARY OF NOTICE OF REMOVAL To: The Prothonotary of the Court of Common Pleas of Cumberland County Pursuant to 28 U.S.C. ~1446(d), Defendant, Metropolitan Life Insurance Company, hereby files a copy of the Notice of Removal filed in the United States District Court for the Middle District of Pennsylvania on March 30, 2001. Dated: March 30, 200 I STEVENS & LEE By . \ E. Thomas Henefer Attorney LD. No. 55773 111 North Sixth Street P.O. Box 679 Reading, Pennsylvania 19603 (610) 478-2000 Attorneys for Defendant Metropolitan Life Insurance Company -151835vllOOOOO.OOO " ,'. - ~ >' > ~. _ ~'--.J" e' ,,", '~";"_'~"'l"\(' .. IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA REBECCA M. ADAMS, CIVIL ACTION Plaintiff No. v. METROPOLITAN LIFE INSURANCE COMP ANY, Defendant NOTICE OF REMOVAL Defendant Metropolitan Life Insurance Company ("Defendant") files this Notice of Removal pursuant to 28 US.C. 91441 based on the District Court's jurisdiction under 28 US.C. 91331, and states: 1. Defendant exercises its tights under 28 D.S.C. 91441 to remove this civil action from the Court of Common Pleas ofCuinberland County, Pennsylvania, in which this action is now pending, under the name of Rebecca M. Adams v. Metropolitan Life Insurance Companv. d/b/a! MetLife, Court of Common ~leas of Cumberland County, Pennsylvania, No. 01-1379, to the United States District Court for the Middle District of Pennsylvania. Removal is proper because the claims brought against Def~ndant in this case are governed by the Employee Retirement Income Security Act of 1974, 29 U.S.C. 91001-1461 ("ERISA"). 2. Pursuant to 28 US.C. 91446, Defendant has attached as Exhibit A to this Notice of Removal the complaint filed in state ',court in this case. 3. On March 9, 2001, Plaidtifffiled her complaint in this action. 4. Plaintiff's complaint alleges that she was covered by a group disability insurance contract with MetLife, which she attached to her complaint as Exhibit A. Exhibit A confirms that the group policy is part of an employee welfare benefits plan purchased by SLl 151&35vl/00000.ooo -, ,- """ - ,~~ "" 'lit- ,.~, 'fu;'"-""""",c.:".",,,..;. '" Commercial Union Insurance Company for thIe benefit of its employees. [Complaint, Exhibit A]. Plaintiff claims she became disabled on or about September 14, 1993 and was allegedly unable to continue working. [Complaint, at 6]. PlaiIitiff claims she is entitled to disability benefits as provided in the plan sponsored by Defendant. The benefits Plaintiff seeks to recover are therefore provided pursuant to an employee welfare benefit plan as defined by ERISA 93(1), 29 D.S.C. 91002(1), and Plaintiffs only remedy for the recovery of such benefits is provided pursuant to ERISA 9502, 29 U.S.C. 91132. 5. The Court therefore ha$ original jurisdiction over this action because Plaintiff's claims arise under ERISA and any $tate law claims Plaintiff might assert are subject to complete preemption under ERISA. Metropolitan Life Ins. Co.. v. Taylor, 481 U.S. 58 (1987). Accordingly, the claims asserted against Metrbpolitan Life Insurance Company in this action arise under federal law and are removable as ~ matter of law. 6. Because this Court has ~urisdiction under 28 U.S.C. 91331 and 29 U.S.C. 91132(e)(1), this action may be removed with~ut regard to the citizenship or residency of the parties or the amount in controversy. 7. This Notice ofRemova1 has been filed in less than thirty days from the date of Defendant's receipt of the complaint. The complaint was the initial pleading setting forth , the basis for the Court's jurisdiction. 8. Written notice of the fil~ng of this Notice of Removal has been served on Plaintiff's counsel, and a true and correct cop~ of this Notice of Removal will be filed with the Prothonotary of the Court of Common Pleas of Cumberland County, Pennsylvania. SLl 151835vt/OOOOO.OOO -, ..- ~~- .... ~ ~._, ""';~_;C"'''''''>l"..",~o . WHEREFORE, Defendant, Metropolitan Life Insurance Company, respectfully requests that this action be removed to this Court. Dated: March 30,2001 STEVENS & LEE By 2~-\~-A\;::,>r E. Thomas Henefer Attorney LD. No. 55773 III North Sixth Street P.O. Box 679 Reading, Pennsylvania 19603 (610) 478-2000 Attorneys for Defendant Metropolitan Life Insurance Company <::T 1 l"'il...~<;"llf'l(VInnMn - J. "'~. " ~" "!lii>.:~"'_'''''''''~''iI"",,s"^i .,,~.._.;... ",' P.02/25 o " .' MAFFETT a ASSOCIATES By:., Richard F. Maffett, Jr" Esquire 10 #35539 2201 North Second Street' Harrisburg, ,PA 17110 717-23~160 Attorneys for 'Plaintiff ....._....._................_...................n...........~._.._...e..~--.........._.i REBECCA.M...ADAMS, ,'! IN THE COO1!.'t OF COIOlON PEoJrAS Pl'abltiff 1 CUHBBRLlIJiD COUNTY., PENNSYLVAHrA i .' . v INO, 01.-(37-1 ImTROPOLITAH. LIFE INfiU1UlNCE i CIVJ:L ACnON '~ LAW . :COMPANY, d/b/a MeeLife, !,:'. JUlty n:rAt DEllWmBD Defend-ant ....__...._..._._.&u......~_..._......._._..._._._..._.._...................... NOT'ICI!: YOU HAVE BEEN SUED J:N .COURT.,. If you "wish to defend against the claims set forth in the following pages, you must take action within twenty {20} days after this comp~aint.and Notice. are served, by entering a written appearance personally or by attorney and filing in writ~ng with the Court .your defenses or objections to the claims set forth against you. You are warned that,' if you fail to do so, the. case may proceed without you. and a judgment .1I\8Y be entered against you by the Court without ' further notice for any money claimed in the Complaint or for any other cl~~m or relief requested 'by the Plaintiff (s). 'You may lose money or property or other rights important to you. YO'll" SEO'O'LD TUE ':rHIS PA,PEIl. TO l'OUR LAWYER AT OacE. II' YO'll" DON I T HAVE A LAWYEIl. O'lit.. CANNOT AJ'J!'o:an ORE.. GO 'to. 011. TELEPHONE THE . Ol!'Il'ICE SET :i'OR'.rB BELOW TO FIND O'D'T WHim)!: .YOU .CAN c:lBT LBGAI.. HELP . CtnmSlU.AND COlm'tY BAlI. ASSOCIATION .. 2 LIBERTY AvbuJi CARLISLB, PA 17013 '711-249-3166 800-990-9108 . ' ~ -.,. ... rR~!5':c6py "FROM .REC9RD In.restl/llQlly'''/h~,.lberl!umO set my Ilan. a"'!.tIIe ~ ot.sa!d r1J. ." ~~ {hIS ~~'oO . .;:.~. .. .;? .' ' . - --'--- ," ~ ~ ,. " ~" "~ ~ Ii '~" ~ ~ "__~'&"","'--"h~~';" MAR 28 '01 17'10 . FR 000000000000000000000000000000000 TO 15109880803 P.03/25 , " .. NOTICIA LE RAN DEMANDADO A U~TED EN LA COR'rE. Si 1.l.sted quiere defenderse de estas demandas expuestas en laspaginas siguientes, usted tiene veinte (20) dias ,de plazo al partir de lafecha de la demanda y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 SUS objeciones alas demandas en contra de su-persona. sea avisado que si usted n~ pe defiend~, la corte tomaro medidas y puede entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier quejao alivio .que ,es pedido en la.peticion do demanda. Usted puede perder ditiero 0 BUS propiedades 0 otros derechos importantes para usted. , LLEVE EBTA DEMAllDA A UN ABOGADO IMKEDIATAHRN'l'E. SI NO 'l'IENE ABOGAGO 0 BI NO TIENE EL Dl:NERO SUFICl:ENTE DE PAGAR TAL SERVICXO, VAYA EN PERSONA 0 L~ POR. TELEFONO A LA OFXCINA CUYA DXRECCION ' BE ENCUBNTRA ESC:ltITA ABAJO PARA AVERIGUAil. DONnE BE PUEDE ~ONSEGUIBR AS1STENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCJ;ATl:ON 2 LIBERTY AVENUE CARLlSLE, PA 17013 717-249-3166 800-990-9108 '., .'j I", , ,~ ..~ ,,.It<~~''''-')lii.,,,;i)/ffi,,~, MAR 28 .~~ 17b~H:~~~~~0~~13~~~0m~0~~u~9~tiny, rf/"M~5 .. "..,.'. l' ~. MAFFETT & ASSOCIATES By: Richard F. Maffett, Jr.. !';sq'uire 10#35539 - 2201 North Second Street Harrisburg, PA 17110 ' 717-233-4160 Attorneys for Plaintiff ........._... ..:-....n_.................__...........~.._...__......... ............n~.: R.EBECCA M. ADAMS, j :eN THE- COmtT OF COMMON PLEAs Plaintiff I CUMBERLAND COUNTY,PBNNBrL~A v !NO. METROPOLJ:'l'AN LIFE XNSURANCE 1 CIVXL ACTION" LAW ...~_~::;~;.f~;...:.~.~.~_~::.~..........._....J JURY TRIALDmwmBD COMPLAINT AND NOW, this (), -t 'f\ day or March, 2001, comes the. Plaintiff, REBECCA M. -ADAMS, by her attorney, RiChard F. Maffett, Jr., Esquire, of_ Maffett &-ASSociates, and -avers- the following: 1. Plaintiff, Rebecca M. Adams, is an adult individual who resides at 506 Penn 'Ayr Road, Camp Hill, CUmberland county-, 'Pennsylvania. MetLife, is an insurance company, -incorporated -in ,the state of New York, which regularly conducts business in .the Conunonwealth of-Pennsylvania, wit~ a place of business at 2040 Linglestown Road, Harrisburg, Dauphin County, Pennsylvania. MAR 28 . \J1 . I 17:10 FR 000000000000000000000000000000000 TO . .c'.' ._,",~, "~." '",",li,_~",> 16109880803 P.05/2S " 3. Beginning on or about ~une 1;'1987, and at all relevant ,times to this, litigatiol!l. thereafte.r, Defendant contracted with Commercial Union Insurance Company to provide long term disability insurance benefits to the employees of Commercial Union Insurance Company, and the Defendant issued a group long 'term disability insuraI;l.Ce poLi.cy setting forth the conditions of eligibility, benefits paid,: and restrictions dpon coverage, a copy of which ~s,attached as "Exhibit A." 4. At all relevant times herein, Plaintiff was a full-time' employee of commercial'Union Insurance Company, located at 5000 Ritter Road, Mechanicsburg, Cumberland County~ Pennsylvania, and was an insured; eligible for and entitled to,benefits as ~ covered person, under the aforementioned policy. 5. rie aforesaid group 'l'ong term disability insurance " policy provides for payment of monthly benefits to an employee, ,after expiration of'a waiting period, of sixty (Got) percent of the employee'S basic monthly earnings, up to $5;000.00 per month, but not less than $50.00 per 'month, for any period of disability. 6. Beginning on or about September ~4, 1993, Plaintiff became unable to do her job with commercial Union Insurance 2 - MAR 28 '01 17:11 FR 000000000000000000000000000000000 TO 16109880803 ~ , .-.~ "",^,Jli_~:," P.06/25 ;' ,company, and was fully: and totally disabled, as a result of multiple sclerosis. 7. Upon' application by plaintiff, and after exhaustion of the waiting period, on March 14, 1994, Defendant notified plaintiff that her claim for long 'term disability benefits under ,the aforesaid policy was approved, effective February 17, 1994,. 8,. .'Defendant' paid plaintiff long term disability benefits p~rsuant to the aforesaid policy for, the period from February 17, 1994 through-July 5, 2000. 9. On July 5, 2000, Defendant uniiaterally and unlawfully 'terminated payment of long term disabHity benefits to Plaintiff pursuant to the'aforesaid insurance policy, despite the ,fact that plaintiff remained totallr disabled and eligible for benefits under said policy. 10; On August'30, 2000, pu+suant to the 'provisions 'of the ',. aforesa~d group long term 'disability insurance'~olicy, plaintiff requested' review by Defendant' of Defendant's denial ,of Plaintiff's claim for payment of continuing long term disability , benefits. 3 ,~ J,_ MAR 28 '1111 17:11 FR 11I000080081110000011100111111111111111000nnnnnnn TO "''''''''''''''''''' 16Hl'9880803 "'''''''''''~''''''#l~-'';-",,~ P.07/25 . '.. ". . ";~'- . " 11. Despite repeated requests by'plaintiffthereafter, Defendant has failed and refused to reinstate payment of Plaint:\-ff's long term disability benefits pursuant. to' the aforesaid policy. and/or to render a determination as to Plaintiff's' request for review of the decision to deny Plaintiff further benefits. 12. At all times from July 5,' 2000 to the present and continuing, plaintiff has not worked, has been unable to perform any gainful employment, and has remained totally disabled as a result of her multiple sCl~rosis, and complications thereof. 13. At all times from July.S, 2000 to the present and continuing, Plaintiff has been eligible and entitled to benefits for 10n9 term disability pursuant to the aforesaid group . iniurance poliCy 'issued by Defendant. . '< 14'. At all times since July 5, 2000, Plaintiff has complied with her responsibilities ~d duties pursuant to the aforesaid contrac.t, including submission to Defendant of p.roof of her' continuing total disabiiity.as required. 15. Plaintiff is 'entitled to payment of long term disability benefits pursuant to the aforesaid group insurance policy, at a 4 MAR 28 '01 17:11 F R 00000000000000B0000000B0000000000 TO 16109880803 '-' ~- J ,_ .. ""~ ' ~.a,W_,",..-""""",,,-,,~)H P.08/25 ..(-. " rate of $1,862.50 per monthfrorn'July5, 2000, to the present and' continuing indefinitely in the future. COUNT :r ::BREACH OIi' CONTRACT 16. Plaintiff.incorporatesby reference the averments of. paragraphs 1 through 15 above," as fully as, thougn herein set forth' at iength. 17..- Beginning on iJU1.y'.5. 2000. . and contin:uing to'the present, Defendant breached the aforesaid contract of insurance for long term disability benefits, under which Plaintiff is a . . ' covered person and beneficiary, bY failing. to pay Plaintiff the long term disability benefits she is due pursuant to said policy. 18. Defendant is .obligated, pursuant to the afo):.'esaid group . .' long terin disability insurance policy with Commercial Union, InSurance Company, to pay to.Plaintiff; a covered person and '" beneficiary, long term disability benefits in the amount of. $~,862.50 per month since July 5, 2000 to the present, and continuing indefinitely into the future. . " 19. Defendant's breach of the aforesaid long ,term disability group insur~ce policy, pursuant to which Plaintiff is a ,covered person and beneficiary, has damaged plaintiff, in the amount of, ' , . ' 5 >"- .. , ,J oJ. , L .hill"" ',"_.~,~ "'"""_~~-q,r.._<",,;-. " MAR 28 'I'll 17:11 FR 8000808000080800080000800013' ~B0~~~ TO '" ",,,,,,, 16189888803 P.B9/25 " " $16,762.59 to date, which said damages continue to accrue on a monthly basis. WHEREFORE, piaintiff requests th~t this Court enter judgment in her favor and award her 'damages as claimed, plus interest and , costs of suit, in excess of the compulsory arbitration l~it of $25,000,00 for Cumberland County. ',COUNT XI: PUNl:TlVE ,DMAGl'lS 20. Plaintiff incorporates by reference the Averments of paragraphs 1 through 1.9 above, as fully as though herein set forth at length. , 21. Defendant has acted unreasonably, without just cause, and unlaWfully by refusing payment to,Plaintiff of the aforementioned long term total disability. benefits due her pursuant to the'aforesaid group disahility'insurance policy: ,~ 22. Defendant's actions, as described herein ,and above, were wanton, wilful, malicious, and outrageous, and were taken because of Defendant's evil motives and reckless indifference to the rights and property interests of Plaintiff. 6 " ,,- ~~"'-' ---~,~-~;= ~-~' ~~,::I""""";<,lj,;" MAR 28 '01 17:11 F R 000000000000000000000000000000000 TO 16109880803 P. 10/25 . i , ,23. AS a result of Defendantis afores.aid bad faith and refusal to pay the long term disability benefits due, plaintiff is entitled to punitive damages. 24. Beoause of Defendant's.aforesaid bad faith and refus~l to pay the long term disability benefits due,plaintiff is . - entitled to. the payment by Defendant of Plaintiff's reasonable attorneys fes.s for representation in this matter. WHEREFORE. plaintiff respectfully requests that this Court enter judgment in her favor, in the nature of punitive damages against DefendaIlt, . of an amount in excess of $25,000.'00, an amount which is grea€er than the CUmberland county. cOlIlpulsory arbitration limit, together with.attorneys fees, interest, .and costs. '0 Re.spectful.lY submitted; . !hi J: f4A;1l V Richard F. Maffett, Jr., ES.q. 7 ..~ '" ~~.'_.'''''-.:m.,...~*"";>,, MAR 28 '01 17'12 . FR 000000000000000000000000000000000 TO 16109880803 P.1V25 ... .' VER.IFICA'l'J:ON I, REBECCA M. ADAMS, have read the .foregoing Complaint and hereby affirm that it is true and correct to the. best of my knowledge, or information and .belief. This verification and. statement is made subject to the penalties of 18 pa. C.S.A.!i4904, relating to.unsworn :Ealsifi<:;:ation to authorities; I verify.that all statements made in the foregoing are true. and, correct and that false statements may subject me to the, .penalties of 18 Pa. 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'.1..:-::,.' <' - /, , , " ~ ~''''''"_""",_~,,,,,,.=_lih__' 4 .t " CERTIFICATE OF SERVICE I, E. THOMAS HENEFER, certify that I served a true and correct copy of the foregoing notice of removal upon the following counsel of record, by depositing the same in the United States mail, postage prepaid, this 30th day of March, 2001, addressed as follows: Richard F. Maffett, Esquire Maffett & Associates 2201 North Second Street Harrisburg, PA 17110 'Z:/\~~\~r E. Thomas Hene er " Date: March 30, 2001 ~T '-,,,'Q",,,,"""""" "'''', .., ,~ 1IliIl.~ _~' '"~"~" ~'''',,,~,,-,,,,,,,~,,,w., . ~ CERTIFICATE OF SERVICE I, E. THOMAS HENEFER, certify that I served a true and correct copy of the foregoing notice to prothonotary of notice of removal upon the following counsel of record, by depositing the same in the United States mail, this 30th day of March, 2001, addressed as follows: Richard F. Maffett, Esquire Maffett & Associates 2201 North Second Street Harrisburg, PA 17110 ~~.~~ E.ThomasHene , Date: March 30, 2001 SLl151835vl/OOOOO.OOO , '''''~;V"~ ".' ~I'.l:i$>~< . A REBECCA M. ADAMS Plaintiff The court of Carmon Pleas Cumberland County Pennsylvania vs NO. 01-1379 Civil Civil Action METROPOLITAIN LIFE INSURANCE ca1PANY. D/B/A METLIFE. Defendant Middle District Court of Pennsylvania Civil Division ~~(b~~~@[g) t MAY 7 20011 PER ~ HARRISBURG, PA. DEPUTY CLERK Please Acknowledge receipt of this case by signing and dating this document. Record Received: DATE: ~4 ~f ;2.001 ~ / ~ tJ ~:: ~ V'-:____ gnature & Title) (') 0 C s: -~ "..lb. 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