of the STD Plan also states: After you report your STD claim, Kem-per will review your claim and contact your treating physician to determine the nature and extent of your disability. Kemper will approve or deny disability benefits based on the information provided by your physician and, if appropri ate, by an independent medical examiner, in accordance with the STD plan. (See id. at P0420.) The STD Plan also provides that “benefits will be denied or end if the Claims Administrator (Kemper) determines” that the insured failed to provide physician certifications of disability. (See id. at P0422.) The STD Plan does not unambiguously give the administrator discretionary authority to determine eligibility for benefits or to construe the terms of the plan. See Kearney, 175 F.3d at 1090 (<HOLDING>). By- contrast, the LTD Plan Summary provides:
holding abuse of discretion review is appropriate when erisa plan grants discretion to the plan administrator holding that language determined on the basis of medical evidence satisfactory to the committee sufficiently granted plan administrator discretion holding plan language requiring satisfactory written proof that you have become disabled did not unambiguously confer discretion in the plan administrator holding that similar language conferred discretion on the plan administrator holding that plan administrator of an erisa health plan did not have to anticipate the confusion of a plan participant