Morgan Stanley Employee Revives Gym Accident Coverage Lawsuit

A Morgan Stanley employee who suffered a spinal injury after being crushed in a gym accident convinced the Ninth Circuit to revive his lawsuit seeking insurance coverage for a specialized back surgery.

Cigna, the administrator of Morgan Stanley’s medical plan, denied coverage for the requested two-level artificial disc replacement surgery by relying only on its internal coverage policies and not the documents governing Morgan Stanley’s plan, the US Court of Appeals for the Ninth Circuit said. These internal policies exclude coverage for two-level ADR on the grounds that it’s “experimental” and not proven to be effective, but Morgan Stanley’s ...