161557P.pdf   05/04/2017  Raleigh Spizman  v.  BCBSM, Inc.
   U.S. Court of Appeals Case No:  16-1557
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Loken, Author, with Murphy and Kelly, Circuit Judges] 
   Civil case - ERISA. Plaintiffs' claim for round-the-clock in-home nursing 
   care fell within the plain meaning and common understanding of the 
   "private-duty nursing" exclusion in the plaintiffs' 2012 policy; the Plan 
   Administrator's decision that round-the-clock nursing was excluded from 
   the 2013 policy was not an unreasonable interpretation of the plan; with 
   respect to plaintiffs' claim that defendant's agents' representations 
   regarding coverage estopped defendant from denying the claim, plaintiffs 
   cannot use an estoppel theory to enlarge their benefits under a written 
   plan.