United States Court of Appeals
                           FOR THE EIGHTH CIRCUIT
                                   ___________

                                   No. 05-4000
                                   ___________

Sandra S. Hillery,                    *
                                      *
            Plaintiff-Appellant,      *
                                      *
      v.                              * Appeal from the United States
                                      * District Court for the
Metropolitan Life Insurance Company; * Eastern District of Missouri.
The Limited Long Term Disability      *
Program;                              *
                                      *
            Defendants-Appellees.     *
                                 ___________

                             Submitted: May 15, 2006
                                Filed: July 18, 2006
                                 ___________

Before MURPHY, JOHN R. GIBSON, and BENTON, Circuit Judges.
                           ___________

BENTON, Circuit Judge.

      Metropolitan Life Insurance Company terminated long-term disability benefits
to Sandra S. Hillery after determining she was no longer disabled. The district court1
granted summary judgment for MetLife. Hillery appeals. Having jurisdiction under
28 U.S.C. § 1291, this court affirms.



      1
        The Honorable Catherine D. Perry, United States District Judge for the Eastern
District of Missouri.
                                           I.

       Hillery was a co-manager of a Victoria's Secret, participating in the Limited
Long Term Disability Program. On April 5, 1991, she quit after being diagnosed with
Systemic Lupus Erythematosus. In January 1992, she began receiving long-term
disability benefits from MetLife. She was continually evaluated by several physicians
and rheumatologists over the next ten years, who all reached similar conclusions.

       In April 2002, Hillery's doctor noted that her lupus was no longer active, despite
a positive ANA. Instead, the doctor explained that most of her problems were due to
fibromyalgia. On January 14, 2003, another doctor confirmed this assessment. All
the doctors still agreed, however, that she could not return to work. Based on these
reports, MetLife ordered additional examinations. On April 1, MetLife's in-house
physician, Dr. Greenhood, conducted an independent medical review of Hillery's
records. Greenhood agreed with Hillery's doctors for the most part, although he
concluded from the records that she only had mild lupus. He could not explain her
pain and fatigue, but said her subjective complaints were the result of fibromyalgia,
stating: "Most patients that have fibromyalgia are capable of work in the sedentary to
light categories." He did not find objective evidence for previous diagnoses of
peripheral neuropathy or cognitive deficit. Greenhood concluded Hillery's chances
of successfully returning to work were poor based only on her age and the length of
time out of work.

      MetLife then requested an independent medical examination. Dr. Samudrala
reviewed the medical records and physically examined Hillery for 45 minutes.
Samudrala noted that she had normal strength, coordination, sensation, reflexes, and
gait. There was no acute inflammatory change or swelling in her joints. Further,
Samudrala observed four Waddell Signs (of malingering), remarking that she "does
not put forth full effort during the clinical examination." Samurala concluded that her
subjective complaints were disproportionate to the clinical and laboratory findings,

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and that she was capable of light duty work, including 5 hours of sitting, 2 hours of
standing, and 1 hour of walking per day.

       On September 16, MetLife issued an Employability Assessment Report based
on Samudrala's examination. It considered Hillery's age, medical history, motor-skill
impairments, education, work history, and proximity to labor markets. The report
listed four jobs that she was "realistically qualified to perform within the local
economy." On September 18, 2003, MetLife terminated long-term disability benefits
based on its determination that she was no longer disabled under the plan.

       On March 14, 2004, Hillery submitted a written appeal, attaching new medical
records from several doctors. Dr. Esther explained she suffers from several
conditions, including SLE and fibromylagia, but that "her [lupus] is controlled with
the use of medications." An opthamologist stated that Hillery's dry eyes would require
her to take breaks from work every two hours, but that she was capable of sedentary
work. An allergist noted that her costochondritis "has not been well controlled" due
to peptic ulcer disease and an allergy to sulfa. A neurologist concluded she had
"rather severe bilateral sensory motor median neuropathies across the carpal tunnels,"
but that her lower extremities were normal.

       On appeal, MetLife had two different doctors review all of Hillery's medical
records, including the new ones. They concluded that the records indicated her lupus
was "mild-to-marginal at best and not of a disabling degree given that she has not
sustained internal organ damage or involvement." On May 17, 2004, MetLife upheld
the termination of benefits.

                                         II.

      A grant of summary judgment is reviewed de novo. See Barnhart v. UNUM
Life Ins. Co. of Am., 

, 587 (8th Cir. 1999). Summary judgment is

                                         -3-
appropriate if the evidence, viewed most favorably to the nonmovant, shows no
genuine issue of material fact and that the movant is entitled to judgment as a matter
of law. Fed. R. Civ. P. 56(c). This court reviews de novo a district court's
determination of the appropriate standard of review under ERISA. See 

.

       The district court used an abuse of discretion standard. See McGee v. Reliance
Standard Life Ins. Co., 

, 924 (8th Cir. 2004). "[T]he plan administrator's
decision to deny benefits will stand if a reasonable person could have reached a
similar decision." Woo v. Deluxe Corp., 

, 1162 (8th Cir. 1998). A
reasonable decision is one supported by substantial evidence, which is more than a
scintilla but less than a preponderance. 

agree this is the correct
standard, although Hillery argues a less deferential standard should apply because
there is "a palpable conflict of interest or a serious procedural irregularity" which
"cause[d] a serious breach of the plan administrator's fiduciary duty" to her.2 

       Hillery alleges four procedural irregularities: 1) MetLife failed to review or
consider all of Hillery's medical information; 2) the independent medical examination
was perfunctory; 3) MetLife made false or inaccurate statements; and 4) MetLife
failed to consider her treating physicians' opinions or her subjective complaints of
pain. The mere presence of procedural irregularities, however, does not warrant the
less deferential standard. See McGarrah v. Hartford Life Ins. Co., 

,
1031 (8th Cir. 2000). "A claimant must offer evidence that 'gives rise to serious doubts
as to whether the result reached was the product of an arbitrary decision or the plan
administrator's whim' for us to apply the less deferential standard." Chronister v.

      2
       MetLife claims Hillery is precluded from raising this argument for the first
time on appeal. However, she raised the issue before the district court on page 13 of
her "Memorandum in Support of Plaintiff's Motion for Summary Judgment," filed
June 20, 2005.

                                          -4-
Baptist Health, 

, 654 (8th Cir. 2006), quoting 

. To
invoke this standard, any alleged procedural irregularity must be so egregious that it
might create a "total lack of faith in the integrity of the decision making process."
Layes v. Mead Corp., 

, 1251 (8th Cir. 1998).

       First, Hillery claims MetLife breached its fiduciary duty by not reviewing all
of her relevant medical information. The record, though, illustrates MetLife did
consider all relevant information. In a letter of July 30, 2003, Dr. Samudrala
summarizes the "[e]xtensive documents mailed to me and also those brought by the
claimant." Additionally, two letters, both dated May 6, 2004, from Dr. Lumpkins and
Dr. Jares, list numerous and extensive physician reports from throughout Hillery's
disability that were reviewed. Thus, there is ample evidence that MetLife reviewed
and considered Hillery's entire medical record before making its final decision. The
one record that possibly supports her argument is Dr. Greenhood's April 1, 2003,
"Physician Consultant Review," which lists only reviewed material dating back to
1999. However, this irregularity is not so egregious as to create a total lack of faith
in the integrity of the decisionmaking process, especially considering the extensive
documentation provided overall. Therefore, it does not warrant application of the less
deferential standard.

       Next, Hillery argues MetLife breached its duty by performing only a
perfunctory, 45-minute independent medical examination, which cannot amount to
substantial evidence. She also asserts that MetLife improperly relied on Samudrala's
false and inaccurate statements, and that a physiatrist, such as Dr. Samudrala, is
unqualified to determine whether a person has the physical capabilities to perform
sedentary to light job duties. She cites no authority for these propositions. Contrary
to her claims, Samudrala considered Hillery's subjective complaints and conducted a
reasonable physical examination, as well as a motor examination and functional
assessment. She also reviewed numerous documents, provided by both MetLife and
Hillery, regarding her medical history. Samudrala's conclusions were not entirely

                                         -5-
inconsistent with other physicians' earlier impressions, and paralleled the opinions of
doctors Greehood, Lumpkins, and Jares. There is no evidence either that it is unusual
for physiatrists to conduct these types of examinations, or that Samudrala made false
or inaccurate statements. Thus, Hillery cannot show that MetLife acted dishonestly
or from improper motive when using Samudrala's report as part of its decisionmaking
process. See Neumann v. AT&T Commc'ns, Inc., 

, 781 (8th Cir. 2004)
(describing requirements for less deferential standard to apply); see also Pralutsky v.
Metro. Life Ins. Co., 

, 838 (8th Cir. 2006).

       Finally, Hillery claims MetLife failed to consider her treating physicians'
opinions and her subjective complaints of pain. However, the record shows her
medical records and her subjective complaints were reviewed by several physicians.
In fact, it was the reports of her treating physicians indicating her lupus was inactive
that caused MetLife to review her status. She argues, though, that a plan administrator
cannot deny benefits based solely on the absence of medical evidence. See House v.
Paul Revere Life Ins. Co., 

, 1048 (8th Cir. 2001). But, this is not a case
where the plan administrator possessed only a scintilla of evidence; the medical
opinions of several physicians supported MetLife's decision, and MetLife included the
treating physicians' reports in making its determination. In any event, MetLife is not
required to defer to her treating physicians. See Black & Decker Disability Plan v.
Nord, 

, 830–32 (2003).

       There is neither evidence that the termination of long-term benefits was a
product of an arbitrary decision of the plan administrator's whim, nor any procedural
irregularity so egregious that it created a total lack of faith in the integrity of the
decisionmaking process. Thus, the less deferential standard does not apply and this
court reviews for abuse of discretion.

      Under section 2.26 of Hillery's long-term disability plan, a participant is totally
disabled if the participant:

                                          -6-
      (a)    is under the regular care of a Physician; and

      (b)    as a result of an Illness/Injury having an Onset Date while the
             Participant is a Participant;

                   (i)    during the twelve (12) months immediately
                          following the Benefit Commencement
                          Date, the Participant is unable to perform
                          any and every duty related to the
                          Participant's regular occupation in which
                          he or she was engaged immediately prior
                          to the occurrence of the Illness/Injury;

                   (ii)   thereafter, the Participant cannot work at
                          any gainful occupation for which the
                          Participant is reasonably qualified, or could
                          become qualified, by education, experience
                          or training.

Given this definition of "totally disabled," MetLife had substantial evidence that
Hillery could work at any gainful occupation for which she is reasonably qualified or
could become qualified. The examinations and reports from doctors Samudrala,
Lumpkins, Jares, and Greenhood – as well as the conclusions of some of Hillery's
treating physicians – permit a reasonable person to reach a similar decision: that she
was no longer totally disabled under the terms of the plan. Therefore, MetLife did not
abuse its discretion by terminating her long-term disability benefits.

                                         III.

       Hillery also asserts that MetLife breached its fiduciary duty when it did not
consider her age and her length of unemployment. As she concedes, there is no
Eighth Circuit or ERISA requirement that a plan administrator consider age, if not
specifically required by the plan. And while she argues, without providing any
evidence, that very few employers will hire a 54-year-old woman, the plan's plain

                                         -7-
language states that a person be able only to work a job for which she is, or can
become, qualified. The plan does not speak to the difficulty of getting that job.
However, in the end, it does not matter because the record reflects that MetLife's
"Employability Assessment Report" did note and consider her age and time off, as
well as her previous work history and Dr. Samudrala's conclusions about her physical
limitations.

                                        IV.

      The judgment of the district court is affirmed.

                       ______________________________




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