and inquiry as to benefits by her husband, defendant failed to disclose to plaintiff that she was entitled to apply for long term disability (LTD) benefits. The court rejected defendant’s arguments that it was not required to tell plaintiff about the LTD because plaintiff never asked about LTD, defendant expected plaintiff to return to work before needing LTD benefits, and the LTD benefits were adequately described in the SPD provided to plaintiff four years earlier. The court held that the defendant failed to provide all material information it had, despite plaintiffs failure to ask about LTD benefits specifically and despite the fact that the LTD benefits were described in the SPD. Id. at 549-50; see also Gregg v. Transp. Workers of Am. Int’l, 343 F.3d 833, 845-846 (6th Cir.2003) (<HOLDING>). Finally, in Bixler v. Central Pennsylvania
recognizing that plan administrators have an obligation to convey complete and accurate information material to the beneficiarys circumstances recognizing that when a beneficiary requests information from an erisa fiduciary who is aware of the beneficiarys status and situation the fiduciary has an obligation to convey complete and accurate information material to the beneficiarys circumstance even if that requires conveying information about which the beneficiary did not specifically inquire holding that a hospital could not be an erisa beneficiary recognizing a cause of action for a breach of fiduciary duty in failing to provide relevant information under section 502a3 of erisa where the fiduciary had knowledge that its failure to provide the participant andor his beneficiaries with complete and accurate information would mislead them as to the coverages in effect holding a fiduciary is under a duty to communicate material facts to a plan beneficiary