MEMPHIS, Tenn. - A health insurance plan administrator's denial of benefits was not arbitrary and capricious, even though the administrator gave three different reasons for the denial at different times in the administrative process, because substantial evidence supported one of the three proffered reasons, a federal judge in Tennessee ruled April 23 (Joseph M. Morrison, et al. v. Regions Financial Corporation, et al., No. 10-2843, W.D. Tenn.; 2013 U.S. Dist. LEXIS 57921; See 12/1/10, Page 18).