-
April 13, 2026
RICHMOND, Va. — A divided en banc Fourth Circuit U.S. Court of Appeals on April 10 vacated a trial court’s April 2025 preliminary injunction — an injunction that was stayed by the U.S. Supreme Court in June 2025 — in a suit by a union and two groups representing a combined 7 million Americans who challenged access to Social Security Administration (SSA) records provided to individuals working for U.S. DOGE Service and U.S. DOGE Service Temporary Organization(together, DOGE).
-
April 13, 2026
FORT WAYNE, Ind. — On de novo review, an Indiana federal judge granted judgment in favor of a long-term disability (LTD) insurer that terminated benefits once the coverage allotted for mental conditions expired, ruling that the claimant failed to prove that a physical condition caused her debilitating symptoms.
-
April 10, 2026
SACRAMENTO, Calif. — Following de novo review that focused on a neuropsychological evaluation and a functional capacity evaluation (FCE), a California federal judge overturned the termination of a registered nurse’s long-term disability (LTD) benefits under an any-occupation definition of disability.
-
April 09, 2026
NEW YORK — Arguing that a residual disability provision used to terminate his benefits at age 65 is ambiguous and that he “plausibly alleged a reasonable alternative reading of the Policies” under which he would be entitled to lifetime benefits, a dentist filed an opening brief urging the Second Circuit U.S. Court of Appeals to reverse dismissal of a suit in which he asserted claims for breach of contract and breach of the implied covenant of good faith and fair dealing.
-
April 08, 2026
CHICAGO — Saying in part that a long-term disability (LTD) insurer “cannot represent to a claimant that his administrative remedies have been exhausted, then argue in litigation that the claimant failed to exhaust those remedies” in a dispute over the LTD benefits calculation, a Chicago federal judge dismissed a fiduciary breach claim but ruled that a claim for recalculated benefits survives.
-
April 02, 2026
OAKLAND, Calif. — Resolving a standard of review disagreement by applying the federal choice-of-law rule, a California federal judge determined that “Massachusetts law applies and . . . California’s prohibition on discretionary clauses does not” so he will assess the denial of the plaintiff’s claim for long-term disability (LTD) benefits for abuse of discretion rather than de novo.
-
April 01, 2026
OAKLAND, Calif. — Ruling in favor of a plaintiff with multiple sclerosis (MS) who received long-term disability (LTD) benefits for more than 11 years before they were terminated, a California federal judge concluded on de novo review that “the preponderance of the evidence shows that” the former national account sales manager “could not perform any gainful occupation that requires sedentary occupational demands because of physical symptoms of MS in his legs” at the time of the termination.
-
March 23, 2026
CHICAGO — A former Whole Foods worker who said he had to stop working because of back pain has gone to the Seventh Circuit U.S. Court of Appeals to challenge a ruling that upheld termination of his long-term disability (LTD) benefits on the grounds that he didn’t show “that he was under the ‘regular care of a physician’ as is required under the Plan.”
-
March 20, 2026
CHATTANOOGA, Tenn. — A Tennessee federal judge who previously ordered further factual development in a suit over a long-term disability (LTD) claim that involves a mental illness limitation, pain and the headache condition occipital neuralgia on March 19 granted judgment on the administrative record, ruling on de novo review that the claimant was disabled under the policy’s any gainful occupation definition as of March 2021 and is entitled to continuing benefits.
-
March 20, 2026
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.”
-
March 19, 2026
SANTA ANA, Calif. — Finding on de novo review that a long-term disability (LTD) claimant “has not adequately demonstrated he is disabled under the Policy after the 24-month mental disorder limitation period expired,” a California federal judge upheld termination of the benefits under a usual-occupation standard.
-
March 18, 2026
SAN FRANCISCO — Describing the ruling at issue as “plausible, logical and supported by the record,” an insurer urged the Ninth Circuit U.S. Court of Appeals to affirm an order that upheld its denial of long-term disability (LTD) benefits under a preexisting condition exclusion.
-
March 18, 2026
NEW YORK — Saying in part that it found no error “in the district court’s decision to assign minimal weight to [the claimant]’s self-reported symptoms and to focus, instead, on the paucity of objective record evidence supporting her claimed inability to work,” the Second Circuit U.S. Court of Appeals issued a March 17 summary order affirming judgment for a long-term disability (LTD) plan administrator that denied a claim that was based on a nurse practitioner’s purported symptoms of long COVID.
-
March 17, 2026
PHOENIX — Using “heightened skepticism” because of a structural conflict of interest and “procedural irregularities,” a judge sitting by designation in an Arizona federal court ruled that a registered nurse is due long-term disability (LTD) benefits because the insurer’s failure to view her “conditions and symptoms in the aggregate was a consequential factor that amounted to an abuse of discretion.”
-
March 16, 2026
BOSTON — Concluding that the “payroll practice exception” applies, a Massachusetts federal judge dismissed a suit concerning a self-insured short-term disability plan (STDP) for lack of subject matter jurisdiction on the grounds that the plan is not governed by the Employee Retirement Income Security Act.
-
March 16, 2026
BOSTON — Calling the insurer’s determination “arbitrary and capricious in multiple respects,” a Massachusetts federal judge largely granted summary judgment in favor of a former attorney who challenged termination of her long-term disability (LTD) benefits.
-
March 12, 2026
NORFOLK, Va. — Claiming that his application for total and permanent (T&P) disability benefits didn’t get “a full and fair review” and that “the lasting effects of his injuries . . . render him substantially unable to engage in any occupation or employment for remuneration or profit” under the applicable definition, former National Football League player Aaron R. Rouse sued the NFL Player Disability and Survivor Benefit Plan in a Virginia federal court on March 11 for retroactive and continuing benefits.
-
March 12, 2026
DALLAS — Without substantive explanation, a Texas federal judge overruled objections and accepted a report and recommendation to dismiss as untimely a lawsuit involving fraud and bad faith claims in which the pro se plaintiff challenged a roughly two-decade-old termination of long-term disability (LTD) benefits and alleged that a cousin fraudulently used her identity to file a successful disability claim.
-
March 09, 2026
BOSTON — Disagreeing with a lower court’s conclusion that policy language is ambiguous, a Massachusetts Appeals Court panel reversed judgment on a breach of contract claim for a disability income recipient who challenged the fact that benefits under a cost-of-living adjustment (COLA) rider stopped accruing after her 65th birthday.
-
March 05, 2026
MADISON, Wis. — Granting each side a partial victory, a Wisconsin federal judge decided on de novo review that a long-term disability plan (LTD) administrator must pay benefits because physical impairments rendered the claimant disabled under an own-occupation standard, but the administrator is allowed to recover overpayment caused by the claimant’s receipt of Social Security Disability Insurance (SSDI) benefits.
-
March 04, 2026
RICHMOND, Va. — Affirming a lower court’s use of the de novo standard of review in a long-term disability (LTD) benefits case because the plan administrator failed to meet a regulatory deadline during the administrative appeal of its initial decision, the Fourth Circuit U.S. Court of Appeals on March 3 upheld a ruling that the appellee is owed past-due benefits because long COVID symptoms have disabled her from working as an engineer.
-
March 03, 2026
SALT LAKE CITY — Distinguishing Colt v. Mass. Mut. Life Ins. Co. because of the concessions the insurer in that case made, a Utah federal judge ruled against a former anesthesiologist who argued that he was entitled to lifetime benefits under cost of living adjustment (COLA) riders per the terms of his disability income coverage.
-
February 23, 2026
BURLINGTON, Vt. — Granting judgment on the administrative record against a claimant who unsuccessfully sought short-term and long-term disability (STD and LTD) benefits due to symptoms he attributed to long COVID despite being awarded disability benefits by the Social Security Administration (SSA), a Vermont federal judge on Feb. 20 said she found “no evidence that Plaintiff was intentionally deceitful” but concluded that he “is not a reliable source of information due to his conflicting statements, self-described poor memory, psychiatric symptoms, and extensive marijuana use.”
-
February 18, 2026
GRAND RAPIDS, Mich. — On de novo review of a case challenging termination of long-term disability (LTD) benefits for a marketing agency account executive who was diagnosed with “an acute intractable headache,” a Michigan federal judge ruled that the claimant is entitled to benefits under the plan’s initial “regular occupation” definition of disability but not under the subsequent “any gainful occupation” definition.
-
February 18, 2026
LYNCHBURG, Va. — Pursuant to a joint stipulation, dismissal with prejudice has been entered in a suit that a former emergency room physician’s assistant filed against the claims administrator that terminated his long-term disability (LTD) benefits; the plaintiff said he “underwent a PET/CT scan that indicated Alzheimer’s dementia” and argued in part that discovery from other lawsuits has shown that the insurer’s reviewer “denies 85-90% of all disability claims she reviews.”