NEW ORLEANS - The insurer of an accidental death and dismemberment (AD&D) policy did not violate the Employee Retirement Income Security Act by denying benefits to the beneficiaries of a policyholder who died while operating a boat under the influence of alcohol, the Fifth Circuit U.S. Court of Appeals affirmed June 11 (Lindsey Green, et al. v. Life Insurance Company of North America, No. 13-60049, 5th Cir.; 2014 U.S. App. LEXIS 10875).