480 F.3d 942 Vicki WELCH, Plaintiff-Appellant,v.METROPOLITAN LIFE INSURANCE COMPANY; Kaiser Foundation Health Plan, Inc., Long Term Disability Plan; Kaiser Foundation Health Plan, Inc., Medical Plan; Kaiser Foundation Health Plan, Inc., Life Insurance Plan; Kaiser Foundation Health Plan, Inc., Retirement Plan, Defendants-Appellees. No. 04-56768. United States Court of Appeals, Ninth Circuit. Argued and Submitted October 19, […]