“This is a case study in how not to administer benefits — a vague SPD, inconsistent explanations, cryptic claim records filled with acronyms and jargon, and poor coordination among the plan sponsor, TPA, and insurer resulted not only in an award of benefits but potential liability for the wife’s attorney fees. Also, the maximum ERISA penalty was awarded for the employer’s failure to timely provide certain documents the wife had requested.” [Sepulveda-Rodriguez v. MetLife Group, Inc., No. 16-507 (D. Neb. Dec. 28, 2017)]  Thomson Reuters / EBIA