I don't find that point of view to be very logical at all. It is also highly impractical. One does not waste time and effort writing up details about an outcome scenario that is highly unlikely to occur except where one would need to be immediately prepared to deal with that scenario should it occur.
I find quite strange and grossly unjustified your criticism of Catz' Q&A as not being "impartial" or "fair" because he did not address the "plan denial" scenario.
Any legal analysis I post may not be relied upon by anyone for any
purpose. If you want legal advice you can rely on, hire a lawyer.
Federal District Courthouse, Newark
Federal District Courthouse, Newark 
