( July 23, 2024, 2:56 PM EDT) -- MIAMI — A Florida federal judge on July 22 remanded a long-term disability (LTD) claim to the plan administrator after determining that the claimant was deprived of a full and fair review because the disability insurer issued a decision on appeal without affording the claimant the opportunity to respond to two reports upon which it relied when terminating the claimant’s benefits....