Lois Blair v. Metropolitan Life Insurance Company

STEPHEN H. ANDERSON, Circuit Judge.

The question before us in this ERISA 1 case is whether Lois Blair’s treatment for temporomandibular joint dysfunction (“TMJ”) is excluded from coverage under the medical expense insurance portion of the policy underwritten by the Metropolitan Life Insurance Company (Met-Life), and provided for her benefit by her employer Hertz Penske Truck Leasing, Inc. (Hertz). Specifically, the question is whether the treatment Blair received was a “dental service” and thus excluded from coverage under the policy. The district court determined, as a conclusion of law, that…