Cremin v. McKesson Corp. Employees' Long Term Disability Benefit Plan

**Cremin v. McKesson Corp. Employee Benefits Plan - Court Ruling Summary** **What Happened** An employee at McKesson Corporation applied for long-term disability benefits through the company's benefit plan, which was administered by Liberty Life insurance company. The employee believed they qualified for these benefits due to their medical condition, but Liberty Life denied the claim. The employee sued, arguing that Liberty Life wrongly rejected their application and that they should have been given another chance to appeal the decision through the company's administrative process. **What the Court Decided** The Ninth Circuit Court of Appeals ruled against the employee. The court found that the worker had not proven they met the requirements to receive long-term disability benefits under the plan. The court also determined that the employee was not entitled to an additional opportunity to appeal Liberty Life's decision through the company's internal review process. **Why This Matters for Workers** This case shows that employees face a high bar when challenging denials of disability benefits. Workers must provide strong medical evidence to prove their eligibility, and insurance companies have significant discretion in evaluating claims. Employees should carefully document their conditions and follow all appeal procedures when applying for disability benefits through employer-sponsored plans.