( January 20, 2026, 7:58 AM EST) -- ATLANTA — Without substantive explanation, the 11th Circuit U.S. Court of Appeals denied an unanswered petition for en banc rehearing concerning a split panel’s ruling that it was unreasonable for a long-term disability (LTD) insurer to interpret a preexisting conditions exclusion in a way that the majority said means that “treatment for a headache during the lookback period converts any disease or condition that causes headaches into a preexisting condition.”...