OPINION
MOTZ, District Judge.
Edith L. Karl, the widow of Norman J. Karl, has instituted this action under ERISA, 29 U.S.C. § 1022 et seq., seeking to recover benefits under an insurance policy on the life of Dr. Karl. Defendants are Metropolitan Psychiatric Group ("Metropolitan"), which had employed Dr. Karl and The Guardian Life Insurance Company of America ("Guardian"), which had issued a group life insurance policy for the benefit of Metropolitan...
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