JOHN M. GERRARD, District Judge.
The plaintiff, Don Hendrickson, is suing the defendant, United of Omaha Life Insurance Company, for breach of contract stemming from the defendant's denial of payment under a life insurance policy. The defendant has moved to dismiss the complaint. Filing
The plaintiff was married to the now deceased Susan Hendrickson, a former employee of ConAgra, Inc. ("ConAgra"). ConAgra made life insurance available to its employees to provide death benefits to its employees or the employees' beneficiaries. Through this program the defendant issued two life insurance policies (the "Policies") to Susan Hendrickson. ConAgra is the listed owner of both policies.
After Susan Hendrickson's death, Don Hendrickson made a claim for benefits under the Policies. His claim was denied, and he appealed the defendant's decision through the administrative process established in the Polices. The defendant overruled the appeal and affirmed the denial of the claim.
Don Hendrickson filed a complaint in the District Court of Douglas County, Nebraska on June 9, 2015. Filing
To survive a motion to dismiss under Fed. R. Civ. P. 12(b)(6)
ERISA applies to an employee benefit plan which is established or maintained:
29 U.S.C. § 1003(a).
"The purpose of ERISA is to provide a uniform regulatory regime over employee benefit plans. To this end, ERISA includes expansive pre-emption provisions, see ERISA § 514, 29 U.S.C. § 1144, which are intended to ensure that employee benefit plan regulation would be `exclusively a federal concern.'" Aetna Health Inc. v. Davila, 542 U.S. 200, 208 (2004) (quoting Alessi v. Raybestos-Manhattan, Inc., 451 U.S. 504, 523 (1981)). ERISA contains a civil enforcement remedy provision enabling plan a participant or beneficiary "to recover benefits due to him under the terms of his plan, to enforce his rights under the terms of the plan, or to clarify his rights to future benefits under the terms of the plan." 29 U.S.C. § 1132(a)(1)(B). "It is wellestablished that ERISA's civil enforcement provisions are the exclusive remedies for participants seeking to recover benefits under an ERISA plan" and any state law claims relating to a plan governed by ERISA are preempted. Johnson v. U.S. Bancorp, 387 F.3d 939, 942 (8th Cir. 2004) (internal citations omitted).
Plaintiff does not argue the Polices were not originally subject to ERISA, and with good reason. The Policies were established and maintained by Susan's former employer, and provided benefits in the event of her death. Such group life insurance policies are controlled by ERISA. See Phillips-Foster v. UNUM Life Ins. Co. of Am., 302 F.3d 785, 794 (8th Cir. 2002) (citing 29 U.S.C. §§ 1001-1461).
Rather, plaintiff asserts the parties contracted around ERISA by including choice of law provisions which state: "This policy is issued in and is subject to Nebraska law." This argument is without merit. "[P]arties may not contract to choose state law as the governing law of an ERISA-governed benefit plan." Prudential Ins. Co. of America v. Doe, 140 F.3d 785, 791 (8th Cir. 1998). The Policies in this case are subject to ERISA and the inclusion of a choice of law provision cannot serve as a waiver of ERISA's broad preemptive power. See In re Sears Retiree Grp. Life Ins. Litig., 90 F.Supp.2d 940, 951 (N.D. Ill. 2000).
Next, Plaintiff argues that even if his complaint is subject to ERISA, either his state law claim should be "converted" to a federal claim under ERISA's civil enforcement provision or he should be given leave to amend his complaint to include an ERISA claim. The complaint makes no mention of ERISA and the typical remedy in the Eighth Circuit is to dismiss state claims unquestionably preempted by ERISA. See, e.g., Estes v. Federal Express Corp., 417 F.3d 870 (8th Cir. 2005); Howard v. Coventry Health Care, Of Iowa, Inc., 293 F.3d 442 (8th Cir. 2002). Additionally, the local rules of this Court required any motion to amend to be filed with a proposed amended complaint for the Court to consider.
IT IS ORDERED: