( January 10, 2024, 8:05 AM EST) -- ROANOKE, Va. — A Virginia federal judge awarded a claimant long-term disability (LTD) benefits after determining that the disability insurer abused its discretion in denying the claim because sufficient evidence supports a finding that the claimant was disabled prior to the expiration of the disability plan and fulfilled the plan’s terms before filing a claim for LTD benefits....