( March 17, 2026, 8:23 AM EDT) -- PHOENIX — Using “heightened skepticism” because of a structural conflict of interest and “procedural irregularities,” a judge sitting by designation in an Arizona federal court ruled that a registered nurse is due long-term disability (LTD) benefits because the insurer’s failure to view her “conditions and symptoms in the aggregate was a consequential factor that amounted to an abuse of discretion.”...