"[T]he court determined: [1] that the plan administrator did not adequately notify the participant about its reservation of discretionary authority in deciding benefit claims; and [2] the Plan Instrument does not affect the standard for reviewing the plan administrator's decision in this case. Accordingly, the court concluded that the participant could not be bound to terms contained in a policy about which she had no notice or knowledge." [Lyn M. v. Premera Blue Cross, No. 18-4098 (10th Cir. Jul. 24, 2020)]  MORE >>