( February 6, 2024, 3:27 PM EST) -- DENVER — A disability insurer breached its fiduciary duty in terminating a claim for long-term disability (LTD) benefits because the insurer mischaracterized the claimant’s medical condition and failed to follow the plan’s guidelines and procedures in handling the claim, a disability claimant alleges in a complaint filed Feb. 5 in Colorado federal court....