"A federal appeals court ruled that ERISA group health plans that do not include the 'vicious circle' exception rule in their coordination-of-benefit provisions will be the primary payer of benefits for retirees.... When self-insured ERISA plans do not include the vicious circle exception into their COB provisions, the plan covering the person directly (usually as a retiree) will be primary ... [according to] Harris Corp. v. Humana, 253 F.3d 598 (11th Cir. June 6, 2001)."  MORE >>