( January 23, 2026, 10:37 AM EST) -- ATLANTA — Concluding in an unpublished per curiam opinion that an insurer “had a reasonable basis” for concluding that a surgeon dropped below the number of working hours required for “active employment” early in the COVID-19 pandemic, the 11th Circuit U.S. Court of Appeals affirmed summary judgment for the insurer that denied long-term disability (LTD) benefits on the basis that a tremor he consulted a doctor about over that time constituted an excluded preexisting condition....