Shirley Graham, an employee with the U.S. Postal Service (USPS) who participated in a long-term disability plan administered by Hartford Life and Accident Insurance Co. (Hartford), brought her case recently before the United States Court of Appeals, Tenth Circuit. Her appeal raised three issues: 1) Did the District Court rule correctly that her disability benefits plan did not qualify as a governmental plan? 2) Was the District Court’s determination that her claim did not qualify for a jury trial correct? 3) Did the District Court made the right determination when it failed to find Hartford’s denial of benefits arbitrary and capricious.

To understand Graham’s claim we will look at the background of her claim.

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