( October 22, 2026, 10:43 AM EDT) -- SAN DIEGO — Issuing an unpublished order entering judgment against a claimant who challenged denial of her claim for partial disability benefits under a long-term disability (LTD) plan, a California federal judge said in part that the “safe harbor” regulation that exempts some programs from the Employee Retirement Income Security Act doesn’t apply because of the endorsement and consideration facts here....