In DaCosta v. Prudential Insurance Company of America, a district court dismissed the claimants' argument that voluntary appeals were subject to full and fair review. The claimants argued that the insurer had failed to provide them with sufficient information about its voluntary appeal procedures after the insurer had upheld the benefit denial on appeal. The court held that the Department of Labor's claims regulations do not require voluntary appeals to follow reasonable procedures or provide full and fair review. In so holding, the court rejected another court's contrary holding that voluntary appeals were subject to the full and fair review regulations.