OPINION AND ORDER
FEIKENS, District Judge.
Introduction
This is an employee benefits dispute governed by the Employee Retirement Income Security Act, 29 U.S.C. § 1001, et seq. ("ERISA"). It concerns defendant Metropolitan Life Insurance Company's ("MetLife") decision to deny accidental death benefits to the estate of Brenda Sangster. The issue is whether MetLife's decision is arbitrary and capricious.
I. Background
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