Selby v. Principal Mutual Life Insurance
Adrian and Jill Selby sued Principal Life Insurance Company, alleging various errors in processing their health insurance claims. They challenged Principal's interpretation of an infertility treatment exclusion and its claims review procedures under ERISA. The court considered motions for class certification for four proposed classes. Class I, addressing Principal's online claims review process for altering diagnoses, was certified. Classes II and III, concerning medically necessary infertility treatments and New York Insurance Law violations respectively, were not certified for class-wide adjudication, though individual claims were permitted. Class IV, challenging the sufficiency of claim denial letters, was not certified immediately due to the named plaintiffs' lack of standing for injunctive relief, but conditional certification was offered upon identification of a new suitable plaintiff.