Judge Affirms LTD Benefits Denial In Row Involving Elimination Period Requirement

( August 18, 2025, 2:43 PM EDT) -- CHATTANOOGA, Tenn. — Accepting and adopting “the relevant portions” of an August 2024 report and recommendation, and overruling the objections of a claimant who sought long-term disability (LTD) benefits due to symptoms that arose after her vehicle was rear-ended, a Tennessee federal judge on Aug. 15 granted judgment on the administrative record for an insurer that denied benefits under an elimination period requirement....