( March 20, 2026, 8:43 AM EDT) -- MINNEAPOLIS — Using the de novo standard of review because of an Oregon regulation prohibiting discretionary clauses, a Minnesota federal judge affirmed denial of long-term disability (LTD) benefits, explaining that because the claimant’s “disability was based on her low back pain and she was treated for low back pain during the lookback period, the pre-existing condition exclusion squarely applies.”...