The Guidance you are attempting to access, "4th Circuit addresses standard of review for adverse ERISA determinations", is reserved for subscribers.

Excerpt from "4th Circuit addresses standard of review for adverse ERISA determinations"
Since the U.S. Supreme Court’s 1989 decision in Firestone v. Bruch, the employee benefits plan industry has been aware that claims administrators’ benefits determinations are subject to judicial review under a deferential standard if the plan’s terms unambiguously grant the administrator discretionary decision-making authority. If the plan doesn’t provide for such discretion, judicial review will be de novo, meaning the court will review the record and decide for itself whether benefits should be paid. To this day, we’re still seeing cases involving plans and insurance policies that don’t include the so-called Firestone language—or at least some language that’s sufficiently clear, in a court’s view, to trigger the abuse-of-discretion standard of review.

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Internal Reference: Catcode=A241 Funcode=ST59