WILLIAMS, Circuit Judge.
Lisa Krebs, a beneficiary of two separate ERISA-governed benefit plans, accrued approximately $160,000 worth of medical bills. Her employer, RFMS, Inc., under its plan's terms, paid $1,000, leaving the balance to be covered by the Southern Illinois Carpenters Welfare Fund, which was administered by Krebs's husband's employer. The Trustees of the Carpenters Fund brought suit against RFMS and the Krebses, claiming that the RFMS plan's provisions...
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