“This case illustrates how an employer can end up paying a high price for assuming that an insurance company will take responsibility for providing necessary information to its employees. In this instance, the group life carrier denied coverage for additional benefits due to failure to supply an ‘evidence of insurability’ form for the increased coverage. The Court was not impressed with the employer’s attempt to shift blame.” Loo v. Cajun Operating Co. d/b/a Church’s Chicken, No. 14-CV-10604 (E.D. Mich. June 6, 2016) (Health Plan Law)