( February 6, 2025, 8:19 AM EST) -- NEW YORK — A disability insurer’s denial of a long-term disability (LTD) benefits claim was not arbitrary and capricious because the insurer’s denial was supported by substantial evidence and because the insurer provided the disability claimant the opportunity to respond to all evidence collected by the insurer’s medical reviewers, a New York federal judge said in granting judgment in favor of the insurer....