"[T]he court found that MetLife reasonably determined that Troy's coverage terminated six months after he ceased active work, as defined by the plan. The court emphasized that Cleveland-Cliffs' support of the claim did not bind MetLife or override its policy interpretation.... [T]he court found no evidence that MetLife was even aware that Troy's coverage had lapsed, as Cleveland-Cliffs had continued paying premiums and apparently misinterpreted the policy. Without notice of the lapse, no duty to notify of conversion rights had yet been triggered on MetLife's part." [New v. Metropolitan Life Insurance Company, No. 24-0212 (S.D. W.Va. Aug. 7, 2025)]  MORE >>