Mealey's (January 12, 2021, 10:25 AM EST) -- SAN FRANCISCO — Insurers routinely issue generalized denial notices designed to open communication channels with insureds in an effort to balance the needs for quick coverage determinations with the duty under the Employee Retirement Income Security Act to explain the decision, an insurer tells the Ninth Circuit U.S. Court of Appeals in a Dec. 28 appellant brief, urging reversal of a ruling certifying a class of insureds who claim that they were improperly denied coverage for lactation services under the Patient Protection and Affordable Care Act (ACA)....