314 F.3d 482 Pamela A. RAY, Plaintiff-Appellee,v.UNUM LIFE INSURANCE COMPANY OF AMERICA, a Maine corporation, Defendant-Appellant. No. 01-1466. United States Court of Appeals, Tenth Circuit. December 20, 2002. Mark E. Schmidtke (Sandra L. Spencer, White and Steele, P.C., Denver, CO, with him on the briefs), Hoeppner Wagner & Evans, L.L.P., Valparaiso, IN, for the Defendant-Appellant. […]