Affirmed by published opinion. Senior Judge SPROUSE wrote the opinion, in which Judge NIEMEYER and Judge RESTANI joined.
OPINION
SPROUSE, Senior Circuit Judge:
Denzil G. Bolyard, a retired employee of American Telephone & Telegraph ("AT & T"), was hospitalized in Sheppard & Enoch Pratt Hospital, Inc. ("the Hospital") for a period of sixteen months due to a psychiatric disability. The Travelers Insurance Company ("Travelers"), the administrator...
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