What is the test for a fiduciary to be found to have abused their discretion in making a benefit determination?

A plan administrator or fiduciary abuses its discretion "if it relies on clearly erroneous findings of fact in making benefit determinations." Taft, 9 F.3d at 1473. The fiduciary's decision will not be overturned where "there is substantial evidence to support the decision, that is, where there is 'relevant evidence [that] reasonable minds might accept as adequate to support a conclusion even if it is possible to draw two inconsistent conclusions from the evidence.' " Snow, 87 F.3d at 331-332 (quoting Maynard v. City of San Jose, 37 F.3d 1396, 1404 (9th Cir.1994)).