Kay v. Hartford Life & Accident Ins. Co., No. 21-55463, __ F. App’x __, 2022 WL 4363444 (9th Cir. Sept. 21, 2022) (Before Circuit Judges Paez and Watford, and District Judge Richard D. Bennett (D. Md.))
One key feature of long-term disability benefit plans that employees often don’t know is that plans typically don’t

