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11th Cir 1st Cir 2d Cir 9th Cir administrative remedies aff'd amendment apply arbitrary and capricious Ass'n attorneys award Bankr beneficiary Blue Cross Blue Shield capricious standard cert Circuit claim claimant COBRA Commissioner conflict of interest Connecticut Gen Corp court held coverage Cross & Blue D.C. Cir decision determination Disability Plan discretion Elec employee benefit plan Employee Benefits Cas entitled ERISA plan ERISA Section ERlSA fees fiduciary duty FMC Corp Health & Welfare Health Plan Hosp Indus Int'l interpretation LEXIS Long Term Disability M.D. Fla Metropolitan Nat'l participant's Pension Plan plaintiff plan administrator plan administrator's plan participant plan's preempted preemption Profit Sharing Plan Reliance Standard Retirement Plan S.D. Ohio Shield of Ala standard of review statute subject to ERISA Supp T.C. Memo Teamsters tion trust law U.S. App U.S. Dist U.S. Supreme Court Union United Welfare Fund Workers