KELLY, Circuit Judge.
After her husband died of a heroin overdose, Terri M. Yates sought accidental death benefits under an employer-sponsored benefit plan governed by the Employee Retirement Income Security Act of 1974 (ERISA), 29 U.S.C. §§ 1001-1461. The plan's insurer, Symetra Life Insurance Company, denied her claim, and Yates sued...
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