OPINION
FISHER, Circuit Judge:
David Day, an ERISA plan beneficiary, elected to roll over his pension benefits into an individual retirement account (IRA) upon separation from his employer, AT & T. Exercising its discretion, the plan's claims administrator construed Day's lump sum rollover as the equivalent of his having "received" his pension benefits and, according to the terms of AT & T's Disability Income Benefit Plan, reduced Day's long-term...
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