Judge Upholds LTD Claim Denial Under Policy’s ‘Most Appropriate’ Requirement

( May 13, 2025, 10:15 AM EDT) -- TACOMA, Wash. — Ruling in part that a pharmacist who has been diagnosed with functional neurological disorder (FND) and is being treated by naturopaths “has not met her burden of proving that she is under the continuing care of a medical doctor or a medical practitioner with the same authority as a medical doctor, in the most appropriate specialty for her condition,” a Washington federal judge affirmed denial of her claim for long-term disability (LTD) benefits....