Mealey's ( September 22, 2022, 2:19 PM EDT) -- TUCSON, Ariz. — In light of a recent Ninth Circuit U.S. Court of Appeals ruling, an Arizona federal judge reversed course and determined that a long-term disability (LTD) plan is not governed by the Employee Retirement Income Security Act because the single act of an employer purchasing insurance for an employee does not equate to the establishment of an ERISA plan....