United States Court of Appeals
                           FOR THE EIGHTH CIRCUIT
                                   ___________

                                   No. 01-3978
                                   ___________

Charlotte Gerdes,                       *
                                        *
             Appellant,                 *
                                        * Appeal from the United States
      v.                                * District Court for the
                                        * Eastern District of Arkansas.
UNUM Provident Corporation,             *
                                        *      [UNPUBLISHED]
             Appellee.                  *
                                   ___________

                          Submitted: June 4, 2002
                              Filed: June 7, 2002
                                   ___________

Before McMILLIAN, BOWMAN, and BYE, Circuit Judges.
                         ___________

PER CURIAM.

      Charlotte Gerdes appeals the District Court’s1 adverse grant of summary
judgment in her Employment Retirement Income Security Act (ERISA) denial-of-
benefits action. Having carefully reviewed the record, see Ferrari v. Teachers Ins. &
Annuity Ass’n, 

, 805, 807 (8th Cir. 2002) (standard of review), we
affirm.




      1
       The Honorable Stephen M. Reasoner, United States District Judge for the
Eastern District of Arkansas.
       After being on medical leave from her nursing job since September 1999,
Gerdes applied for long-term disability benefits under her ERISA plan (Plan) in
January 2000 based on carpal tunnel syndrome and osteoarthritis of her knee. The
Plan provided that an individual is disabled when UNUM determines she is “limited
from performing the material substantial duties of [her] regular occupation” and has
“a 20% or more loss in [her] indexed monthly earnings” because of her sickness or
injury; “regular occupation” is the job the claimant was “routinely performing” when
she became disabled. Gerdes submitted general statements from two treating
physicians, Drs. Judy Ash and Joseph Yao; the doctors also completed functional-
capacity checklists. Based on the functional-capacity findings, vocational
rehabilitation specialist Kelli Hicks identified several sedentary nursing jobs that
Gerdes could perform. UNUM Provident Corporation (UNUM) denied her
application and subsequent appeal.

       Initially, we reject Gerdes’s argument that the District Court should have
applied a less-deferential standard of review, see 

(applying
abuse-of-discretion standard of review when no material and probative evidence
presented that plan administrator had conflict of interest or committed procedural
errors that caused serious breach of duty to applicant). Gerdes points to UNUM’s use
of in-house medical consultants to review her claim, but this is of no consequence
because UNUM’s finding that Gerdes was capable of performing sedentary work not
requiring repetitive hand use was essentially consistent with the limitations noted by
Drs. Ash and Yao; thus, contrary to Gerdes’s contention, an independent medical
examination was not required. Compare Layes v. Mead Corp., 

, 1251
(8th Cir. 1998) (rejecting need for independent medical examination where
applicant's medical evidence facially insufficient to support finding of disability),
with Woo v. Deluxe Corp., 

, 1161 (1998) (holding that administrator
erred in refusing independent medical examination where treating physician
determined applicant was disabled and where there was evidence of an uncommon
disease).

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      As to the decision itself, we reject Gerdes’s argument that substantial evidence
did not support UNUM’s finding as to her ability to perform sedentary work.
Specifically, the functional-capacity assessments of Drs. Ash and Yao, and the
findings of one of the medical reviewers, provide the requisite substantial evidence.
See Donaho v. FMC Corp., 

, 900 (8th Cir. 1996). We also reject Gerdes’s
challenge to the vocational analysis, given her failure to submit to UNUM any
evidence to counter the opinion of vocational rehabilitation specialist Hicks about
nursing jobs Gerdes could perform within her limitations. See 

(considering, under abuse-of-discretion standard, only evidence before plan
administrator when claim was denied). Finally, we note Gerdes’s state-law claims are
preempted by ERISA. See Pilot Life Ins. Co. v. Dedeaux, 

, 56-57 (1987).

      Accordingly, we affirm.

      A true copy.

             Attest:

                     CLERK, U.S. COURT OF APPEALS, EIGHTH CIRCUIT.




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