( November 24, 2025, 12:57 PM EST) -- ATLANTA — Reversing and remanding a ruling against a long-term disability (LTD) claimant, a split 11th Circuit U.S. Court of Appeals panel on Nov. 21 ruled that it was unreasonable for the insurer to interpret a preexisting conditions exclusion in a way that the majority said means that “treatment for a headache during the lookback period converts any disease or condition that causes headaches into a preexisting condition.”...