a half years after Hartford's denial of Robinson's appeal, Robinson wrote a letter to Hartford requesting a reexamination, enclosing additional medical documentation, including a March 20, 2008 letter from Dr. Jochen which "correct(s) and clarif(ies his) position on Ms. Robinson's functional capacity." (Pl. Edythe Robinson's Supplemental Docs. in Supp. of Disability 2-5.) The letters and documentation were not before Hartford at the time it made its October 6, 2006 determination regarding Robinson's disability, and thus were not part of the Administrative Record.
40. The Plan contains the following language: "The Hartford has full discretion and authority to determine eligibility for benefits and to construe and interpret all terms and provisions of the Group Insurance Policy." (AR 1154.)
41. Hartford is acting as both the funding source and plan administrator withentire Administrative Record is considered, including not only the additional opinion of Dr. Pick after a medical records review, but also the opinions of Robinson's treating physicians Drs. Jochen, Rao, Lum, and Flatley, the Court concludes that Hartford did not abuse its discretion in denying Robinson LTD Benefits. The opinions of those treating physicians were more current than either the 1999 Social Security Administration determination or the 2001 IME, and there is nothing in the record to indicate that Dr. Pick's analysis was restricted to Robinson's spine. It appears that Dr. Pick reviewed relevant medical records pertaining to the whole array of conditions for which Robinson had sought treatment. While Robinson argues that Dr. Pick's record review failed to account for Dr. Siverhus' 5lb. lifting limitation, the Court