( July 24, 2026, 8:16 AM EDT) -- BAY CITY, Mich. — Concluding on de novo review that termination of long-term disability (LTD) benefits for a claimant who had psychiatric illnesses and physical impairments was improper because the plan administrator “applied the wrong plan certificate,” a Michigan federal judge said that the claimant “comes up short on proofs relating to his physical condition” but “the evidence of his psychiatric conditions leaves little doubt as to his disabled status.”...