King

ORDER ON MOTIONS FOR SUMMARY JUDGMENT

This matter is before the Court on Defendants’ motions for summary judgment. Specifically, Defendants United Parcel Service of America, Inc. (“UPS”), and UPS Health and Welfare Package for Retired Employees (the “Plan,” and together with UPS, the “UPS Defendants”) filed a motion for summary judgment [Doc. No. 48] on the first, second, third and fifth causes of action. Defendant Health Care Service Corporation doing business as Blue Cross and Blue Shield of Illinois (“Blue Cross”) joined the UPS Defendants’ motion. [Doc. No. 49.] Blue Cross also filed a separate motion for summary judgment on the fourth cause of action. [Doc. No. 50.] The motions have been fully briefed, and the Court has deemed the motions suitable for determination without a hearing. For *1066 the reasons discussed below, the motions are granted.

I. Background

A. The UPS Retiree Plan

Plaintiff Gary King retired from UPS on March ■ 14, 2011. Upon his retirement, King’s wife, Linda King, became a participant in and beneficiary of the Plan. The Summary Plan Description (the “SPD”) for the Plan describes the substantive benefits provided and the procedures for appealing…