( March 4, 2026, 12:18 PM EST) -- RICHMOND, Va. — Affirming a lower court’s use of the de novo standard of review in a long-term disability (LTD) benefits case because the plan administrator failed to meet a regulatory deadline during the administrative appeal of its initial decision, the Fourth Circuit U.S. Court of Appeals on March 3 upheld a ruling that the appellee is owed past-due benefits because long COVID symptoms have disabled her from working as an engineer....