A three-word phrase commonly used in insurance policies — "satisfactory to us" — has sharply divided the federal appellate courts, with six of the circuits concluding that the phrase triggers only discretionary review by the courts.

Now the 3rd U.S. Circuit Court of Appeals has sided with the minority view adopted by three of its sister circuits, holding that the phrase is ambiguous and that, under ERISA, the standard of review in court should therefore be de novo.

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