The Utah Court of Appeals sided with an insurance company last week after it determined that a woman didn't successfully apply for increased coverage for her ailing husband despite a suspected glitch in her employer's system that led to higher premiums being deducted from her paycheck. 

Tomi Bear, a former employee of the Tooele County School District, southwest of Salt Lake City, applied for an increase in LifeMap Assurance Co. benefits for her husband during the district's open enrollment period, according to the appellate court. He suffered from several medical conditions, including Type II diabetes, Stage IV chronic kidney disease, and end-stage renal failure, and Bear changed the original $10,000 policy to $300,000 for either person.