( June 19, 2024, 11:17 AM EDT) -- FRANKFORT, Ky. — A disability insurer incorrectly offset a claim for long-term disability (LTD) benefits by the amount of a claimant’s first round of retirement benefits because the policy is ambiguous as to how multiple sets of retirement benefits should be offset against an LTD claim, the Kentucky Court of Appeals panel said in affirming a trial court’s ruling....