10th Circuit: Benefit Denial Arbitrary; Remand To District Court, Not Plan, Proper

10th Circuit: Benefit Denial Arbitrary; Remand To District Court, Not Plan, Proper

DENVER - A plan administrator's denial of permanent and total disability (PTD) life insurance benefits was arbitrary and capricious under the Employee Retirement Income Security Act when considered in light of the explanation the plan gave at the time of the denial, the 10th Circuit U.S. Court of Appeals ruled June 1 in a divided opinion (Tommy E. Spradley v. The Owens-Illinois Hourly Employees Welfare Benefit Plan,  No. 10-7100, 10th Cir.; 2012 U.S. App. LEXIS 11133).

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