Warren Keller worked as a Loss Prevention Manager and stopped working due to multiple medical conditions, including hypertension, cardiac arrhythmia, lumbar degenerative joint disease, a knee meniscal injury, and a torn rotator cuff. He initially received long-term disability benefits.
When the claim transitioned to the plan’s “any occupation” standard, the plan terminated benefits, asserting Keller could perform alternative work despite the combined impact of his orthopedic and cardiovascular impairments.
The court found Keller totally disabled under the plan’s “any occupation” definition and ordered payment of long-term disability benefits, emphasizing the functional impact of multiple conditions rather than isolating individual diagnoses.
