katuria-e-smith-angela-rock-michael-pyle-for-themselves-and-all-others , 194 F.3d 1045 ( 1999 )
karla-h-abatie-v-alta-health-life-insurance-company-a-delaware , 458 F.3d 955 ( 2006 )
Montour v. Hartford Life & Accident Insurance , 588 F.3d 623 ( 2009 )