Rasenack v. AIG Life Ins. Co., 585 F.3d 1311. The Tenth Circuit, by contrast to the Ninth Circuit, held that ERISA preempts the Utah insurance regulation prohibiting discretion-granting clauses in ERISA plans except in certain plans with specific “safe harbor” language. Hancock v. Metropolitan Life Ins. Co., 2009 U.S. LEXIS 28545 (December 29, 2009).