SUBSTITUTE OPINION ON REHEARING
Jean Heggy appeals the trial court’s denial, in part, of her motion for summary judgment and granting, in part, of summary judgment in favor of American Trading Employee Retirement Account Plan (“American”). American appeals the denial, in part, of its motion for summary judgment. Jean’s motion for rehearing is overruled. This court’s opinion issued on July 10, 2003, is withdrawn, and this opinion is substituted in its place. We affirm, in part, and reverse and remand, in part.
I. Background
This is the second time this case has been before this court. Robert Heggy, who was employed by American, designated his then current wife, Jean, as the beneficiary of his retirement account. On February 14, 1992, Robert retired from American. On July 26, 1994, Robert and Jean were divorced. In 1994, Robert started receiving monthly payments under his retirement plan in the amount of $1,360.86. On May 21, 1995, Robert married Catherine. On October 31,1995, Robert died after receiving only 14 monthly payments. The total amount remaining in the retirement account at the time of Robert’s death was $144,251.61. Although Robert had married Catherine, he never removed Jean as the designated beneficiary under the plan.
Both Jean, as designated beneficiary, and Catherine, as Robert’s wife at the time of his death, claimed entitlement to the proceeds of the retirement account. On December 21, 1995, American filed an in-terpleader. Catherine filed a motion for *774 summary judgment seeking all remaining account benefits. Jean, however, did not move for summary judgment. On July 31, 1997, the trial court granted Catherine’s motion for summary judgment. On September 8, 1997, the trial court ordered American to deposit all of Robert’s accumulated benefits into the registry of the court, directed the clerk to disburse those funds to Catherine, and ordered American to tender all future payments to Catherine. The trial court further awarded American attorney fees incurred in bringing the in-terpleader.
In accordance with the trial court’s order, American started making monthly payments to Catherine. On June 17, 1999, the trial court dismissed all remaining causes of action, making the September 8, 1997 order a final judgment. Jean appealed the final judgment to this court, asking that the judgment entered in Catherine’s favor be reversed.
See Heggy v. American Trading Employee Retirement Account Plan,
While the appeal was pending in this court, Jean’s attorney advised American that Jean had obtained an order from the 309th District Court that she is a 50% owner of Robert’s American benefits. Jean’s attorney further advised that if Jean were successful on appeal, she would look to American to pay the full amount of all the benefits to which she was entitled. American filed a motion for clarification with this court advising us of the 309th court’s order and requesting “that if this Court believes [American] should do something other than continue to make payments, that it so clarify the order under appeal and make such orders as necessary to avoid double liability.” The motion was carried with the case.
American then requested an order from the trial court directing it to make the remaining payments to the registry of the court pending appeal. On March 6, 2001, the trial court granted American’s motion. Catherine received monthly payments in the amount of $1,360.86 from September 1997 through March 2001.
We reversed the summary judgment in favor of Catherine and held that under ERISA (Employee Retirement Income Security Act of 1974, 29 U.S.C. §§ 1001-1461 (1999
&
Supp.2003)), Jean was entitled to receive all benefits remaining in Robert’s account at the time of his death.
1
Heggy I,
II. STANDARD OF REVIEW
To prevail on a motion for summary judgment, a party must establish that no material fact issue exists and it is entitled to judgment as a matter of law.
Rhone-Poulenc, Inc. v. Steel,
III. Interpleader
Jean argues American is not entitled to interpleader status because it failed to satisfy all the requirements of Rule 43 of the Texas Rules of Civil Procedure. Under Rule 43, a party who receives multiple claims to funds in its possession may join all claimants in one lawsuit and tender the disputed funds into the registry of the court. TexJR. Civ. P. 43;
Cable Communications Network, Inc. v. Aetna Cas. & Sur. Co., 838
S.W.2d 947, 950 (Tex.App.-Houston [14th Dist.] 1992, no pet.). A party faced with competing claims obtains a discharge of liability to the competing claimants by interpleading the funds.
Petro Source Partners, Ltd. v. 3-B Rattlesnake Ref. (1990), Ltd.,
Jean does not challenge the first two elements. In challenging the third element, Jean argues American did not unconditionally tender the fund or property into the registry of the court. Jean complains that although American paid $21,118.81 into the registry of the court, those funds were not deposited until after the interlocutory summary judgment order *776 had been signed — two years after the filing of the petition in interpleader, with American retaining the balance of the funds and controlling its disbursement. 4
If the disputed funds are not actually paid into the registry of the court, they must be tendered and the tender must be unconditional in order to be valid.
Bank One, Tex., N.A. v. Taylor,
Jean argues American is not discharged from liability to her for benefits paid to Catherine. In support of this proposition, Jean relies on
Gonzalez v. Texas Employers Ins. Ass’n,
On remand, the insurance company filed a motion for summary judgment, alleging that payment of benefits under the first judgment discharged it as a matter of law. Id. at 425. The trial court granted the insurance company’s motion for summary judgment. Id. On appeal, the insurance company argued the common-law wife had the burden to protect the fund pending appeal by posting a supersedeas bond and by. her failure to do so could not later complain if the payment of the money in accordance with the judgment left her with only a claim against the party who received the money. Id.
Gonzalez framed the issue as whether payment to a party under a judgment pending appeal is equivalent to payment into the registry of the court. Id. at 426. The court held it was not, explaining:
that payment to one party under a judgment does not discharge liability to a different party that may be established after reversal of that judgment. A judgment is not final so long as an *777 appeal is pending, whether or not it has been superseded. Consequently, no right can be asserted under a judgment that has been reversed.
Id. The court further stated that if “the money is paid into court to abide the result of the litigation, responsibility for the fund is shifted to the court and further liability to the parties is discharged.” Id.
We decline, however, to follow the Dallas Court of Appeals’ opinion in Gonzalez. American, seeing two potential claimants to the retirement account and its potential liability if it made a determination on its own as to which party was entitled to the benefit payments, did what it should have done in this scenario-it in-terpleaded the funds. Such action is sufficient to discharge its liability as to either claimant. Moreover, it is incumbent on the losing claimant, not the stakeholder, to protect the interpleaded funds by filing a supersedeas bond or otherwise attempting to stay the order or judgment directing payment or disbursement of the inter-pleaded funds to the competing claimant. Therefore, in order to protect the inter-pleaded funds, it was necessary for Jean to file a supersedeas bond or otherwise attempt to stay the payments of the benefits to Catherine. Jean’s failure to take any action to protect the interpleaded funds does not entitle her to now subject American to the same double liability it sought to avoid when it interpleaded the funds into the court. 5 This issue is overruled.
A. Waiver
Jean claims that although she joined American as an appellee in the first appeal and asserted her claim against American for all benefits remaining at the time of Robert’s death, American waived any argument that it is not liable to Jean for payments already made to Catherine because it did not file a brief in the first appeal contesting her claim to the benefits as beneficiary. No issue as to American’s liability had been raised in the trial court; thus, there was no issue concerning American’s liability in the first appeal. Nor did Jean seek any relief from American in the first appeal and, consequently, cannot rely on its failure to file an appellate brief to support her waiver argument. The only issue raised in the first appeal concerned who, as between Catherine and Jean, was entitled to the benefits. American did not waive any arguments related to its status as interpleader and liability to Jean for payments made to Catherine. This issue is overruled.
B. Law of the Case
Jean claims our holding in Heggy I constitutes “law of the case,” and she is, *778 therefore, entitled to recover the retirement benefits. She contends arguments raised by American on remand are the same arguments presented in its motion for rehearing. Therefore, according to Jean, those arguments were considered by the court in its opinion on rehearing and cannot be raised again on remand.
The “law of the case” doctrine is the principle under which questions of law decided on appeal to a court of last resort govern a case throughout its subsequent stages.
Hudson v. Wakefield,
The doctrine of law of the case is not applicable here. Jean did not request any relief against American in the first appeal. Although we granted the rehearing and issued a new opinion, we did not address American’s concerns raised in its motion regarding payments already made or disbursed to Catherine. This issue is overruled.
C. Pleadings
Jean contends that because American did not plead (as an affirmative defense or matter of avoidance) that it was not liable to her for benefits paid to Catherine, its motion for summary judgment is not supported by the pleadings. A party relying on an affirmative defense must plead that defense. Tex.R. Crv. P. 94. An affirmative defense is a proposition that the defendant may interpose to defeat the plaintiffs prima facie case.
Cook Composites, Inc. v. Westlake Styrene Corp.,
This action was originally initiated on December 21, 1995, when American filed its interpleader and unconditionally tendered the funds into the registry of the court. The purpose of interpleading funds is to relieve the interpleader of leaving itself open to liability if it were to determine on its own which of the competing complainants was entitled to the disputed funds. Therefore, in its role as an innocent stakeholder, American was not claiming any part of the funds and, with respect to these funds, was not in an adversarial position to Jean. Moreover, by filing an interpleader, American did not admit that at any point in time the existence of a prima facie case against it. Thus, it was not necessary for American to seek an independent reason why Jean should not prevail against it, i.e., assert its interpleader as an affirmative defense. This issue is overruled.
*779 D. ERISA v. Texas Interpleader Law
Jean contends her claim for plan benefits as beneficiary and American’s liability fall within the parameters of ERISA. She argues American’s reliance on state interpleader law is misplaced because this court previously determined ERISA, not state law, governs this case. In support of this assertion, Jean cites the discussion in Heggy I that ERISA rather than the Texas Family Code governs the substantive issues in this case.
By its express terms, ERISA “shall su-percede any and all State laws insofar as they may now or hereafter relate to any employee benefit plan.” 29 U.S.C. § 1144(a) (1999). “A law ‘relates to’ an employee benefit plan, in the normal sense of the phrase, if it has a connection with or reference to such a plan.”
Shaw v. Delta Air Lines, Inc.,
State courts have concurrent jurisdiction with United States District Courts over actions to recover benefits or enforce rights under a plan. 29 U.S.C. § 1132(e)(1). ERISA preemption, however, precludes state law from varying substantive rights and obligations under ERISA.
Pilot Life Ins. Co. v. Dedeaux,
IV. Jean’s and AmeRican’s Claims for Attorney Fees
Both Jean and American challenge the trial court’s denial of summary judgment of their respective claims for attorney fees. Jean asserts that claims for attorney fees come under ERISA, and as the prevailing beneficiary, she should recover attorney fees and costs incurred in establishing entitlement to payment under the plan. American seeks attorney fees under both ERISA and Texas interpleader law.
With respect to attorney fees, ERISA provides: “In any action under this subchapter ... by a participant, beneficiary, or fiduciary, the court in its discretion may allow a reasonable attorney’s fee and costs of action to either party.” 29 U.S.C. § 1132(g)(1);
Gorman v. Life Ins. Co. of N. Am.,
*780
An innocent stakeholder is entitled to recover its attorney fees from the deposited funds if it has a reasonable doubt with respect to which claimant is entitled to the fund.
United States v. Ray Thomas Gravel Co.,
It is not necessary to decide whether ERISA preempts Texas inter-pleader law on the issue of attorney fees. We conclude that under the facts at hand, the trial court did not abuse its discretion in refusing to award Jean attorney fees under either ERISA or interpleader law. Jean has not shown that American acted in bad faith in interpleading the retirement benefits.
See Todd v. AIG Life Ins. Co.,
We conclude that as an innocent stakeholder, American is entitled to recover attorney fees under Texas interpleader law and ERISA.
See Rhoades v. Casey,
Y. Jean’s Claim foe PREjudgment Interest
Jean asserts she is entitled to prejudgment interest under ERISA. The trial court, in its discretion, may award prejudgment interest in an action under ERISA.
Gorman,
American does not dispute that a trial court has discretion to award prejudgment interest in ERISA cases; instead, American contends that prejudgment interest is not allowed in interpleader actions.
See Phillips Petroleum Co. v. Adams,
Jean, however, seeks prejudgment interest under ERISA on the funds American paid to Catherine, not the interpleaded funds. Nonetheless, because Jean cannot recover from American the funds paid to Catherine, she cannot recover prejudgment interest on those amounts. 9 This issue is overruled.
VI. Conclusion
The trial court abused its discretion in failing to award attorney fees to American. Therefore, we reverse that portion of the judgment and remand that part of the case to the trial court for a determination of American’s attorney fees. The remainder of the judgment is affirmed. The judgment of the trial court is, accordingly, affirmed, in part, and reversed and remanded, in part.
Notes
. In
Keen v. Weaver,
. Although Jean had requested only a remand, we rendered judgment for her. American filed a motion for rehearing arguing that by rendering judgment we effectively granted summary judgment for Jean against American even though she had not moved for summary judgment in the trial court. On August 9, 2001, we granted American’s motion for rehearing and withdrew our earlier opinion, reversing and remanding the case to the trial court. Although American requested that we address its liability for payments made to Catherine, we did not do so.
. Jean moved for a traditional summary judgment. American moved for both a traditional summary judgment and a no-evidence summary judgment. However, we need not address American’s no-evidence summary judgment.
. Although American paid $21,118.81 into the registry of the court, the amount of benefits actually accumulated was $29,938.92 (22 payments of $1,360.86 from December 1995 through August 1997).
. Jean also relies on our decision in
North-shore Bank v. Commercial Credit Corp.,
. The Fifth Circuit has adopted the following five factors to apply in determining whether a
*780
party is entitled to an award of attorney fees under ERISA: (1) the degree of the opposing parties' culpability or bad faith; (2) the ability of the opposing parties to satisfy an award of attorney fees; (3) whether an award of attorney fees against the opposing party would deter other persons from acting under similar circumstances; (4) whether the parties requesting attorney fees sought to benefit all participants and beneficiaries of an ERISA plan or to resolve a significant legal question regarding ERISA itself; and (5) the relative merits of the parties’ position.
Gibbs,
. We recognize there is authority that an unsuccessful claimant to the interpleaded fund should bear the burden of the innocent stakeholder's attorney fees in bringing the inter-pleader action.
See, e.g., Beneficial Std. Life Ins. Co. v. Trinity Nat’l Bank,
.
See also Veale v. Rose,
. Jean similarly seeks postjudgment interest for retirement benefits sought in this appeal. Because Jean cannot from American the payments made to Catherine, she is not entitled to postjudgment interest.
