"[T]he panel held that if there were a legitimate connection to the state whose law was chosen by a plan, then that state's law should govern the enforceability of any discretion-granting clauses.... [T]his holding clarified whether [the health benefit] policy was governed by Pennsylvania law -- as it declared in a choice-of-law provision -- or subject to a Colorado statute that forbids insurance policies from giving insurers, plan administrators or claim administrators discretion to interpret the plan's terms to make benefits decisions." [Ellis v. Liberty Life Assurance Co. of Boston, No. 19-1074 (10th Cir. May 13, 2020)]  MORE >>