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		<loc>https://robertsdisability.com/tenth-circuit-holds-united-behavioral-health-abused-its-discretion-in-denying-payment-for-residential-treatment-services-for-minor-with-mental-health-and-substance-use-disorders/</loc>
		<lastmod>2026-05-12T16:53:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-holds-oklahomas-patients-right-to-pharmacy-choice-act-is-preempted-by-federal-law/</loc>
		<lastmod>2026-05-12T16:53:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-finds-unitedhealthcare-abused-its-discretion-by-failing-to-consider-independent-ground-for-coverage-for-residential-treatment-benefits/</loc>
		<lastmod>2026-05-12T16:53:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-finds-united-behavioral-health-arbitrarily-and-capriciously-denied-residential-treatment-benefits-to-minor-with-severe-mental-health-disorders/</loc>
		<lastmod>2026-05-12T16:52:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-finds-termination-of-long-term-disability-benefits-justified-by-surveillance-of-activities/</loc>
		<lastmod>2026-05-12T16:52:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-finds-plaintiffs-lack-standing-to-bring-parity-act-claim-and-affirms-award-of-erisa-statutory-penalties-against-health-insurance-company/</loc>
		<lastmod>2026-05-12T16:52:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-finds-lawsuit-challenging-post-retirement-life-insurance-premium-increases-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T16:52:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-finds-divorce-decree-is-a-qualified-domestic-relations-order-under-erisa/</loc>
		<lastmod>2026-05-12T16:52:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-denies-equitable-relief-and-reinforces-limits-on-erisa-remedies/</loc>
		<lastmod>2026-05-12T16:52:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-denied-panel-rehearing-and-rehearing-en-banc-on-erisa-standard-of-review-where-administrator-failed-to-give-notice-of-discretionary-authority/</loc>
		<lastmod>2026-05-12T16:51:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-affirms-district-courts-damages-calculation-in-401k-breach-of-fiduciary-duty-litigation/</loc>
		<lastmod>2026-05-12T16:51:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-affirms-denial-of-residential-treatment-benefits-but-reverses-dismissal-of-parity-act-claim/</loc>
		<lastmod>2026-05-12T16:51:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-affirms-denial-of-add-benefits-based-on-policy-exclusion-for-losses-caused-by-medical-treatment/</loc>
		<lastmod>2026-05-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-affirms-default-judgment-and-permanent-injunction-against-erisa-fiduciaries/</loc>
		<lastmod>2026-05-12T16:50:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-affirms-decision-that-lawsuit-for-aci-coverage-is-not-time-barred-denial-of-coverage-is-not-arbitrary-and-capricious/</loc>
		<lastmod>2026-05-12T16:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-affirms-award-of-severance-benefits-to-employee-whose-job-duties-were-materially-and-adversely-diminished-following-a-change-of-control/</loc>
		<lastmod>2026-05-12T16:50:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-affirms-award-of-long-term-disability-benefits-to-employee-who-became-disabled-during-lay-off-notice-period/</loc>
		<lastmod>2026-05-12T16:50:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-adopts-eighth-circuit-pleading-standard-for-erisa-breach-of-fiduciary-cases-alleging-imprudent-investments/</loc>
		<lastmod>2026-05-12T16:50:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-unums-termination-of-long-term-disability-benefits-was-not-an-abuse-of-discretion/</loc>
		<lastmod>2026-05-12T16:49:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-seventh-amendments-civil-jury-trial-guarantee-does-not-apply-to-erisa-benefits-action/</loc>
		<lastmod>2026-05-12T16:49:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-hartford-fulfilled-its-obligation-to-investigate-the-existence-of-beneficiaries-in-erisa-life-insurance-dispute/</loc>
		<lastmod>2026-05-12T16:49:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/tenth-circuit-erisa-plan-participants-breach-of-fiduciary-duty-claims-are-not-subject-to-plans-mandatory-arbitration-provision/</loc>
		<lastmod>2026-05-12T16:39:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/take-two-ninth-circuit-reverses-class-win-against-united-behavioral-health/</loc>
		<lastmod>2026-05-12T16:39:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/take-three-ninth-circuit-reverses-class-win-against-united-behavioral-health/</loc>
		<lastmod>2026-05-12T16:39:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/supreme-court-denies-review-of-long-term-disability-erisa-case-november-2013/</loc>
		<lastmod>2026-05-12T16:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sun-life-defeats-ltd-claim-as-time-barred-how-a-policys-choice-of-law-clause-determined-the-limitations-period/</loc>
		<lastmod>2026-05-12T16:39:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/standard-of-review-proves-decisive-as-court-affirms-unums-termination-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T16:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ssa-disability-award-does-not-entitle-erisa-claimant-to-relief-from-adverse-judgment/</loc>
		<lastmod>2026-05-12T16:38:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sjogrens-syndrome-and-your-long-term-disability-claim/</loc>
		<lastmod>2026-05-12T16:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-vacates-withdrawal-liability-award-for-redetermination-of-interest-rate-and-assessment-of-partial-withdrawal-liability/</loc>
		<lastmod>2026-05-12T16:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-upholds-procter-gambles-denial-of-disability-benefits-for-claimant-with-rare-gastrointestinal-disorder/</loc>
		<lastmod>2026-05-12T16:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-upholds-pension-funds-suspension-of-benefits-due-to-participants-post-retirement-work/</loc>
		<lastmod>2026-05-12T16:37:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-upholds-denial-of-total-disability-benefit-claim-for-former-proctor-gamble-research-scientist/</loc>
		<lastmod>2026-05-12T16:37:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-upholds-denial-of-severance-benefits-denies-erisa-claimant-right-to-jury-trial/</loc>
		<lastmod>2026-05-12T16:37:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-upholds-denial-of-post-remand-attorneys-fees-in-erisa-dispute-over-health-plan-benefits/</loc>
		<lastmod>2026-05-12T16:37:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-upholds-denial-of-benefits-under-erisa-plans-limitation-for-preexisting-conditions/</loc>
		<lastmod>2026-05-12T16:37:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-upholds-denial-of-accidental-death-benefits-where-leukemia-contributed-to-death/</loc>
		<lastmod>2026-05-12T16:37:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-upholds-application-of-probate-exception-to-medical-plans-erisa-suit-seeking-equitable-lien-on-settlement-proceeds/</loc>
		<lastmod>2026-05-12T16:37:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-rules-in-favor-of-former-attorney-on-long-term-disability-claim-affirms-dismissal-of-counterclaim-for-overpaid-benefits/</loc>
		<lastmod>2026-05-12T16:36:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-revives-class-action-alleging-misleading-notice-about-cash-balance-conversion/</loc>
		<lastmod>2026-05-12T16:36:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-revives-breach-of-fiduciary-duty-claims-against-united-healthcare-for-seeking-reimbursement-of-medical-expenses-not-required-by-erisa-plan/</loc>
		<lastmod>2026-05-12T16:36:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-revives-401k-mismanagement-claim-against-trihealth/</loc>
		<lastmod>2026-05-12T16:36:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-reverses-withdrawal-liability-judgment-against-spouse-of-sole-shareholder-who-ran-jewelry-business/</loc>
		<lastmod>2026-05-12T16:36:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-reverses-judgment-for-employer-in-plan-contributions-dispute-due-to-ambiguity-of-outside-telephone-work-in-supplement-to-cba/</loc>
		<lastmod>2026-05-12T16:36:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-reverses-employer-win-on-benefit-funds-claim-for-unpaid-benefit-contributions/</loc>
		<lastmod>2026-05-12T16:35:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-rejects-union-trustees-bid-to-oust-fellow-trustees-in-erisa-fiduciary-dispute-over-taft-hartley-fund-governance/</loc>
		<lastmod>2026-05-12T16:35:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-rejects-tribes-erisa-fiduciary-breach-claims-as-time-barred-in-longstanding-dispute-with-blue-cross/</loc>
		<lastmod>2026-05-12T16:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-rejects-hospitals-attempt-to-expand-insurers-payment-obligations-for-emergency-care/</loc>
		<lastmod>2026-05-12T16:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-holds-that-garmon-doctrine-bars-erisa-fiduciary-duty-claims-that-necessarily-depend-on-resolution-of-disputed-nlra-obligations/</loc>
		<lastmod>2026-05-12T16:35:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-holds-that-limitations-period-for-erisa-underpayment-claim-does-not-accrue-earlier-than-the-alleged-underpayment/</loc>
		<lastmod>2026-05-12T16:35:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-holds-general-motors-did-not-violate-erisa-when-it-declined-to-reinstate-employee-following-post-termination-diagnosis-of-brain-tumor/</loc>
		<lastmod>2026-05-12T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-holds-erisas-actuarial-equivalence-requirement-bars-use-of-unreasonably-outdated-mortality-assumptions/</loc>
		<lastmod>2026-05-12T16:34:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-holds-individual-arbitration-provisions-are-invalid-as-a-prospective-waiver-of-statutorily-guaranteed-rights-and-remedies-under-erisa/</loc>
		<lastmod>2026-05-12T16:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-holds-erisa-preempts-tennessee-pbm-laws-restricting-pharmacy-network-design-and-cost-sharing-arrangements/</loc>
		<lastmod>2026-05-12T16:34:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-holds-erisa-completely-preempts-state-law-claims-challenging-insurers-reimbursement-practices/</loc>
		<lastmod>2026-05-12T16:34:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-holds-district-court-lacked-authority-to-award-attorneys-fees-and-decide-erisa-claim-subject-to-mandatory-arbitration/</loc>
		<lastmod>2026-05-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-unums-conflict-of-interest-did-not-motivate-its-decision-to-terminate-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T16:33:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-termination-of-residential-mental-health-coverage-arbitrary-and-capricious-under-erisa-but-affirms-dismissal-of-parity-act-claim/</loc>
		<lastmod>2026-05-12T16:33:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-pension-fund-violated-erisa-by-using-artificially-low-interest-rate-to-inflate-withdrawal-liability/</loc>
		<lastmod>2026-05-12T16:33:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-insurance-company-cannot-start-clock-on-disability-policys-24-month-mental-illness-limitation-until-claimants-physical-disability-is-no-longer-totally-disabling/</loc>
		<lastmod>2026-05-12T16:33:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-health-plan-forfeited-argument-supporting-equitable-claim-over-personal-injury-settlement-funds/</loc>
		<lastmod>2026-05-12T16:32:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-hartfords-rescission-of-life-insurance-coverage-due-to-a-material-misrepresentation-was-not-arbitrary-and-capricious/</loc>
		<lastmod>2026-05-12T16:32:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-erisa-section-502a2-claims-not-subject-to-arbitration-provision-in-employment-agreement/</loc>
		<lastmod>2026-05-12T16:32:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-erisa-plan-arbitration-clause-unenforceable-because-it-precludes-representative-actions/</loc>
		<lastmod>2026-05-12T16:32:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-erisa-life-insurance-claim-time-barred-under-clear-repudiation-rule/</loc>
		<lastmod>2026-05-12T16:32:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-employer-is-not-liable-under-erisa-for-erroneous-benefit-statement-promising-greater-amount-of-disability-insurance-benefits/</loc>
		<lastmod>2026-05-12T16:31:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-dispute-between-erisa-fund-trustees-belongs-in-arbitration/</loc>
		<lastmod>2026-05-12T16:31:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-finds-denial-of-long-term-disability-benefits-supported-by-lack-of-objective-medical-evidence/</loc>
		<lastmod>2026-05-12T16:31:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-determines-retirement-healthcare-benefits-did-not-vest-under-collective-bargaining-agreements/</loc>
		<lastmod>2026-05-12T16:31:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-denies-reliance-standard-third-bite-at-the-apple-in-long-term-disability-benefit-dispute/</loc>
		<lastmod>2026-05-12T16:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-clarifies-insurer-vs-fiduciary-capacity-in-erisa-dispute/</loc>
		<lastmod>2026-05-12T16:16:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-clarifies-fiduciary-duties-under-erisa-in-challenge-of-blue-cross-blue-shields-overpayment-practices/</loc>
		<lastmod>2026-05-12T16:16:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-unums-denial-of-long-term-disability-benefits-to-nursing-assistant-with-lingering-covid-19-symptoms/</loc>
		<lastmod>2026-05-12T16:16:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-unums-denial-of-long-term-disability-benefits-due-to-employer-specific-basis-for-stress-related-disability/</loc>
		<lastmod>2026-05-12T16:16:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-sedgwicks-termination-of-long-term-disability-benefits-for-chrysler-employee-with-complex-regional-pain-syndrome/</loc>
		<lastmod>2026-05-12T16:15:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-lincoln-lifes-denial-of-long-term-disability-benefits-due-to-claimants-failure-to-show-continuous-disability-during-elimination-period/</loc>
		<lastmod>2026-05-12T16:15:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-dismissal-of-fiduciary-and-equitable-relief-claims-against-trustee-of-erisa-top-hat-plan/</loc>
		<lastmod>2026-05-12T16:15:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-dismissal-of-erisa-section-510-claim-based-on-post-termination-medical-diagnoses/</loc>
		<lastmod>2026-05-12T16:15:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-dismissal-of-erisa-fiduciary-breach-claim-in-denso-401k-case/</loc>
		<lastmod>2026-05-12T16:15:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-denial-of-disability-benefits-and-finds-claimant-sought-attorneys-fees-for-remand-too-late/</loc>
		<lastmod>2026-05-12T16:15:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-denial-of-attorneys-fee-to-successful-plaintiff-in-erisa-suit-due-to-attorneys-failure-to-itemize-time/</loc>
		<lastmod>2026-05-12T16:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-affirms-award-of-long-term-disability-benefits-statutory-penalties-and-attorneys-fees-under-erisa/</loc>
		<lastmod>2026-05-12T16:14:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-cigna-has-right-of-reimbursement-for-surgery-it-paid-for-that-did-not-meet-medically-necessary-criteria/</loc>
		<lastmod>2026-05-12T16:14:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-in-erisa-suit-for-late-benefit-fund-contributions-presence-of-a-live-contract-is-not-necessary-for-district-courts-jurisdiction/</loc>
		<lastmod>2026-05-12T16:14:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-district-courts-retain-jurisdiction-over-an-erisa-suit-that-has-been-remanded-to-the-plan-administrator/</loc>
		<lastmod>2026-05-12T16:14:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-death-by-reckless-driving-is-subject-to-accidental-death-policys-crime-exclusion/</loc>
		<lastmod>2026-05-12T16:14:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sixth-circuit-401k-plan-fiduciaries-did-not-breach-duties-by-offering-actively-managed-mutual-funds/</loc>
		<lastmod>2026-05-12T16:14:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-upholds-hartford-lifes-denial-of-long-term-disability-benefits-to-systems-engineer-with-cardiac-condition/</loc>
		<lastmod>2026-05-12T16:13:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-upholds-funds-denial-of-disability-pension-benefits-under-erisa-due-to-lack-of-connection-to-a-workplace-injury/</loc>
		<lastmod>2026-05-12T16:13:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-upholds-dismissal-of-erisa-claims-against-oshkosh-corporation-for-alleged-mismanagement-of-retirement-plan/</loc>
		<lastmod>2026-05-12T16:13:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-revives-erisa-breach-of-fiduciary-duty-claims-against-northwestern-university-for-alleged-mismanagement-of-retirement-plans/</loc>
		<lastmod>2026-05-12T16:13:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-reverses-summary-judgment-against-company-principal-in-erisa-contribution-case-due-to-factual-dispute-over-personal-liability/</loc>
		<lastmod>2026-05-12T16:13:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-reverses-district-court-for-not-properly-considering-erisa-claimants-ability-to-perform-occupation-due-to-sitting-and-cognitive-limitations/</loc>
		<lastmod>2026-05-12T16:12:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-reinstates-ex-spouse-as-beneficiary-after-failed-attempt-to-update-erisa-plan/</loc>
		<lastmod>2026-05-12T16:12:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-orders-refund-of-withdrawal-liability-to-employer-where-cba-did-not-require-it-to-make-pension-contributions/</loc>
		<lastmod>2026-05-12T16:12:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-holds-state-law-claims-seeking-payment-and-penalties-for-unpaid-medical-bills-from-self-funded-health-plan-are-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T16:12:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-holds-pension-fund-need-not-adjust-payment-schedule-for-asset-sales-under-erisas-safe-harbor-provision/</loc>
		<lastmod>2026-05-12T16:12:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-holds-no-federal-cause-of-action-to-impose-successor-liability-on-a-third-party-for-delinquent-erisa-plan-contributions/</loc>
		<lastmod>2026-05-12T16:12:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-holds-erisa-does-not-preempt-bankruptcy-creditors-state-law-claims-against-corporate-directors-and-officers/</loc>
		<lastmod>2026-05-12T16:11:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-holds-erisa-claims-are-arbitrable-but-arbitration-provision-forbidding-plan-wide-relief-is-unenforceable/</loc>
		<lastmod>2026-05-12T16:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-holds-employers-ambiguous-sounding-letter-was-sufficient-to-terminate-collective-bargaining-agreement-under-erisa-fund-rules/</loc>
		<lastmod>2026-05-12T16:11:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-finds-employer-not-liable-for-interruptions-in-benefit-payments-under-fully-insured-disability-plan/</loc>
		<lastmod>2026-05-12T16:11:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-finds-charter-school-benefit-plans-fall-under-erisas-governmental-plan-exemption/</loc>
		<lastmod>2026-05-12T16:11:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-unums-termination-of-long-term-disability-benefits-based-substantially-on-paper-reviews/</loc>
		<lastmod>2026-05-12T16:10:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-permanent-injunction-against-erisa-plan-fiduciaries-for-using-plan-assets-for-personal-benefit/</loc>
		<lastmod>2026-05-12T16:10:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-northrop-grumman-win-in-class-action-dispute-over-erisa-severance-benefits/</loc>
		<lastmod>2026-05-12T16:10:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-health-insurer-not-required-to-cover-therapies-for-autism-based-on-available-medical-literature-at-time-of-treatment/</loc>
		<lastmod>2026-05-12T16:10:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-hartfords-termination-of-long-term-disability-benefits-based-on-opinions-from-non-examining-doctors/</loc>
		<lastmod>2026-05-12T16:10:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-erisa-funds-denial-of-out-of-network-medical-treatment/</loc>
		<lastmod>2026-05-12T16:10:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-doctor-did-not-have-valid-assignment-to-pursue-erisa-statutory-penalty-claim-against-plan-administrator/</loc>
		<lastmod>2026-05-12T16:10:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-district-court-decision-holding-that-employers-post-2014-contribution-rate-increases-should-be-excluded-from-withdrawal-liability-obligations/</loc>
		<lastmod>2026-05-12T16:09:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-dismissal-of-erisa-interference-claim-brought-by-indian-citizen-against-ibm-usa/</loc>
		<lastmod>2026-05-12T16:09:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-dismissal-of-claims-seeking-roll-over-of-accounts-in-multiemployer-defined-contribution-plan/</loc>
		<lastmod>2026-05-12T16:09:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-affirms-atts-denial-of-short-term-disability-benefits-and-denies-defenses-pro-hac-vice-fees-as-non-taxable-cost/</loc>
		<lastmod>2026-05-12T16:09:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-sole-proprietorship-is-liable-for-unpaid-pension-contributions-to-multi-employer-plan/</loc>
		<lastmod>2026-05-12T16:09:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-raise-effective-one-day-after-lawyers-heart-attack-is-excluded-from-disability-benefit-calculation/</loc>
		<lastmod>2026-05-12T16:09:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-independent-investment-fiduciary-shields-esop-fiduciaries-from-liability-for-investment-in-company-stock/</loc>
		<lastmod>2026-05-12T16:08:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-alight-solutions-must-respond-to-dol-subpoena-in-investigation-of-cybersecurity-breaches/</loc>
		<lastmod>2026-05-12T16:08:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-2018-amendments-to-erisa-claims-regulations-apply-to-disability-claims-terminated-after-effective-date-of-amendment/</loc>
		<lastmod>2026-05-12T16:08:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/self-funded-plan-service-providers-are-not-erisa-fiduciaries-where-they-do-not-exercise-discretion-over-the-payment-of-claims/</loc>
		<lastmod>2026-05-12T16:08:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-court-district-court-did-not-err-denying-leave-to-amend-erisa-complaint-due-to-failure-to-exhaust-administrative-remedies/</loc>
		<lastmod>2026-05-12T15:56:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-vacates-dismissal-of-cignas-erisa-claim-against-laboratory-testing-companies-finding-claim-subject-only-to-equitable-doctrine-of-laches/</loc>
		<lastmod>2026-05-12T15:56:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-vacates-erisa-class-certification-in-suit-alleging-prohibited-transaction-violations-against-tiaa/</loc>
		<lastmod>2026-05-12T15:56:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-vacates-and-remands-dismissal-of-erisa-claims-against-ibm/</loc>
		<lastmod>2026-05-12T15:56:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-upholds-termination-of-retired-union-workers-benefits-due-to-disqualifying-employment/</loc>
		<lastmod>2026-05-12T15:56:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-upholds-dismissal-of-erisa-record-keeping-fees-lawsuit/</loc>
		<lastmod>2026-05-12T15:56:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-upholds-dismissal-of-breach-of-fiduciary-duty-claims-against-general-electric-for-failing-to-meet-dudenhoeffer-pleading-standard/</loc>
		<lastmod>2026-05-12T15:55:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-upholds-denial-of-disability-pension-benefits-due-to-participants-intermittent-work-in-electricity-industry/</loc>
		<lastmod>2026-05-12T15:55:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-sides-with-benefits-fund-in-dispute-with-employer-over-scope-of-payroll-audit/</loc>
		<lastmod>2026-05-12T15:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-rules-for-cigna-corporation-in-class-action-dispute-over-reformed-pension-benefits/</loc>
		<lastmod>2026-05-12T15:55:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-rules-against-teamsters-retirement-fund-in-claim-for-withdrawal-liability-owed-by-bankrupt-retail-grocery-operation/</loc>
		<lastmod>2026-05-12T15:54:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-revives-erisa-breach-of-fiduciary-duty-claims-after-finding-pension-plan-participant-has-article-iii-standing/</loc>
		<lastmod>2026-05-12T15:54:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-revives-breach-of-fiduciary-duty-claims-in-class-action-against-new-york-university-retirement-plans/</loc>
		<lastmod>2026-05-12T15:54:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-reverses-order-compelling-arbitration-of-erisa-fiduciary-breach-claims-by-plan-participant-against-employers-third-party-investment-advisor/</loc>
		<lastmod>2026-05-12T15:54:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-rejects-pension-funds-double-counting-theory-and-eliminates-1-8-million-in-withdrawal-liability/</loc>
		<lastmod>2026-05-12T15:54:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-narrows-erisa-fiduciary-mismanagement-claims-but-revives-prohibited-transaction-theory/</loc>
		<lastmod>2026-05-12T15:54:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-union-trustees-were-not-acting-as-fiduciaries-when-they-passed-invalid-amendments-to-multiemployer-plans/</loc>
		<lastmod>2026-05-12T15:53:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-that-special-financial-assistance-program-does-not-per-se-exclude-multiemployer-pension-plans-previously-terminated-by-mass-withdrawal/</loc>
		<lastmod>2026-05-12T15:53:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-that-erisa-plans-remic-regular-interest-certificates-represent-beneficial-interests-in-trust-and-are-equity-interests-under-dol-plan-asset-regulation-remands-for-conside/</loc>
		<lastmod>2026-05-12T15:53:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-rmbs-trust-certificates-but-not-notes-can-constitute-erisa-plan-assets/</loc>
		<lastmod>2026-05-12T15:53:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-power-of-attorney-does-not-give-medical-provider-standing-to-sue-under-erisa/</loc>
		<lastmod>2026-05-12T15:53:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-plan-fiduciary-breached-duty-of-care-by-failing-to-provide-adequate-notice-of-lump-sum-election-during-plan-termination/</loc>
		<lastmod>2026-05-12T15:53:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-pension-plan-participant-is-not-entitled-to-actuarial-increase-in-benefits-due-to-working-beyond-normal-retirement-age/</loc>
		<lastmod>2026-05-12T15:52:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-out-of-network-providers-state-law-claims-against-cigna-for-payment-of-medical-services-are-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T15:52:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-new-york-civil-practice-law-and-rules-nycplr-section-5205c5-is-preempted-by-erisas-anti-alienation-provision/</loc>
		<lastmod>2026-05-12T15:52:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-insurer-did-not-abuse-its-discretion-paying-life-insurance-benefits-to-decedents-adopted-children-over-his-estate/</loc>
		<lastmod>2026-05-12T15:52:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-government-can-garnish-erisa-protected-401k-accounts-for-restitution-under-mvra/</loc>
		<lastmod>2026-05-12T15:52:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-first-unums-decision-to-terminate-long-term-disability-benefits-was-not-arbitrary-and-capricious/</loc>
		<lastmod>2026-05-12T15:51:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-california-insurance-codes-ban-on-discretionary-authority-in-disability-policies-applies-only-to-california-residents/</loc>
		<lastmod>2026-05-12T15:51:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-arbitrary-and-capricious-review-applies-where-policy-and-spd-confer-discretion-and-claims-procedures-are-complied-with/</loc>
		<lastmod>2026-05-12T15:51:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-finds-home-health-aides-lack-standing-for-erisa-claims-based-on-alleged-violation-of-new-york-wage-parity-law/</loc>
		<lastmod>2026-05-12T15:51:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-finds-employee-did-not-knowingly-waive-erisa-claim-against-insurer-of-former-employers-disability-plan/</loc>
		<lastmod>2026-05-12T15:51:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-finds-disney-could-deny-severance-plan-benefits-to-employee-terminated-due-to-disability/</loc>
		<lastmod>2026-05-12T15:51:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-finds-board-abused-discretion-in-denying-supplemental-pension-plan-for-certain-management-employees-serp-benefits/</loc>
		<lastmod>2026-05-12T15:50:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-finds-aetna-had-discretionary-authority-to-decide-life-insurance-claim-and-did-not-abuse-discretion-in-denying-accidental-death-benefits/</loc>
		<lastmod>2026-05-12T15:50:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-dismisses-appeal-and-rejects-mandamus-in-dispute-over-arbitration-of-erisa-claims-against-morgan-stanley/</loc>
		<lastmod>2026-05-12T15:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-decides-decade-long-dispute-over-colgate-palmolives-calculation-of-retirement-benefits/</loc>
		<lastmod>2026-05-12T15:50:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-compels-arbitration-of-erisa-claims-arbitration-agreement-is-enforceable-with-scope-of-claims-provision-severed/</loc>
		<lastmod>2026-05-12T15:50:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-clarifies-article-iii-standing-for-erisa-401k-mismanagement-claims/</loc>
		<lastmod>2026-05-12T15:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-awards-lump-sum-pension-benefits-to-former-nba-referee-terminated-for-violating-covid-19-vaccination-policy/</loc>
		<lastmod>2026-05-12T15:49:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-uniteds-denial-of-facility-fee-payments-to-physicians-performing-office-based-surgeries-in-new-york/</loc>
		<lastmod>2026-05-12T15:49:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-summary-judgment-against-employer-who-ignored-discovery-and-failed-to-pay-fringe-benefits/</loc>
		<lastmod>2026-05-12T15:49:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-retirees-right-to-pursue-plan-reformation-and-litigate-representative-erisa-claims-despite-arbitration-agreement/</loc>
		<lastmod>2026-05-12T15:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-reliance-standards-reduction-of-long-term-disability-benefits-based-on-claimants-change-in-employment-status/</loc>
		<lastmod>2026-05-12T15:49:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-multiemployer-pension-plans-denial-of-retirement-benefits-because-participant-did-not-separate-from-covered-employment/</loc>
		<lastmod>2026-05-12T15:48:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-judgment-in-favor-of-hartford-on-erisa-claims-for-long-term-disability-and-life-waiver-of-premium-benefits/</loc>
		<lastmod>2026-05-12T15:48:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-judgment-in-favor-of-colgate-retirees-in-dispute-over-calculation-of-cash-balance-pension-benefits/</loc>
		<lastmod>2026-05-12T15:48:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-dismissal-of-fiduciary-breach-claims-over-high-risk-investment-strategy/</loc>
		<lastmod>2026-05-12T15:48:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-dismissal-of-esop-prohibited-transaction-lawsuit-for-lack-of-standing/</loc>
		<lastmod>2026-05-12T15:48:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-dismissal-of-erisa-claims-due-to-untimeliness/</loc>
		<lastmod>2026-05-12T15:47:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-dismissal-of-erisa-breach-of-fiduciary-duty-claims-alleging-excessive-recordkeeping-fees/</loc>
		<lastmod>2026-05-12T15:36:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-denial-of-residential-mental-health-treatment-and-limits-reach-of-wit-under-arbitrary-and-capricious-review/</loc>
		<lastmod>2026-05-12T15:35:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-denial-of-post-judgment-accounting-and-discovery-in-long-running-cigna-pension-plan-class-action/</loc>
		<lastmod>2026-05-12T15:35:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-denial-of-long-term-disability-benefits-for-long-covid-claim-due-to-lack-of-objective-evidence-of-functional-impairment/</loc>
		<lastmod>2026-05-12T15:35:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-affirms-criminal-liability-for-embezzling-union-fund-collection-rights-under-erisa/</loc>
		<lastmod>2026-05-12T15:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-reinterpretation-of-special-early-retirement-benefit-terms-does-not-violate-erisas-anti-cutback-rule/</loc>
		<lastmod>2026-05-12T15:35:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-pension-plans-amendment-reducing-benefits-applies-to-pensioner-who-submitted-claim-for-disability-pension-before-amendment-effective-date/</loc>
		<lastmod>2026-05-12T15:35:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-insurers-failure-to-render-timely-benefit-determination-gives-claimant-right-to-file-a-lawsuit-under-erisa/</loc>
		<lastmod>2026-05-12T15:34:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-hhs-rule-regarding-individual-out-of-pocket-limits-under-aca-does-not-apply-to-pre-2016-health-insurance-plans/</loc>
		<lastmod>2026-05-12T15:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-hartford-did-not-abuse-its-discretion-in-denying-long-term-disability-benefits-to-claimant-impaired-by-menieres-disease/</loc>
		<lastmod>2026-05-12T15:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/sdny-holds-discovery-limited-to-administrative-record-for-federal-reserve-ltd-plan-governed-by-state-contract-law/</loc>
		<lastmod>2026-05-12T15:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/d-c-circuit-district-court-retains-jurisdiction-of-enforce-permanent-injunction-against-employer-and-retirement-plan/</loc>
		<lastmod>2026-05-12T15:34:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/second-circuit-holds-arbitration-agreement-is-unenforceable-because-of-prospective-waivers-of-participants-substantive-statutory-rights-and-remedies-under-erisa/</loc>
		<lastmod>2026-05-12T15:34:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fifth-circuit-enforces-pre-existing-condition-exclusion-in-long-term-disability-policy-despite-employers-misrepresentations/</loc>
		<lastmod>2026-05-12T15:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/reliance-standard-properly-offset-ltd-benefits-by-lump-sum-pension-despite-ira-rollover-montana-district-court-holds/</loc>
		<lastmod>2026-05-12T15:33:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/reliance-standard-prevails-in-physical-vs-mental-disability-dispute-after-ltd-claimants-treating-doctors-fail-to-connect-hormonal-deficits-to-disabling-symptoms/</loc>
		<lastmod>2026-05-12T15:33:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/reliance-standard-ekes-out-victory-in-long-term-disability-dispute/</loc>
		<lastmod>2026-05-12T15:33:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/refusing-to-attend-an-independent-medical-examination-could-result-in-a-termination-of-disability-benefits/</loc>
		<lastmod>2026-05-12T15:33:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/proving-entitlement-to-long-term-disability-benefits-under-erisa-requires-more-than-just-a-disabling-medical-condition/</loc>
		<lastmod>2026-05-12T15:33:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/provident-ordered-to-pay-ltd-benefits-back-to-2009-after-bench-trial-excuses-brain-cancer-survivors-12-year-late-notice/</loc>
		<lastmod>2026-05-12T15:32:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/press-release-roberts-disability-law-sues-lincoln-national-for-denying-long-term-disability-benefits-for-aggrieved-father-of-murdered-sacramento-police-officer/</loc>
		<lastmod>2026-05-12T15:32:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/pre-existing-condition-exclusion-bars-ltd-claim-based-on-prior-treatment-for-low-back-pain/</loc>
		<lastmod>2026-05-12T15:32:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/oregon-district-court-finds-unum-wrongfully-denied-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T15:32:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/online-dating-and-disability-prospective-mates-may-not-be-the-only-ones-reading-your-profile/</loc>
		<lastmod>2026-05-12T15:32:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-upholds-hartfords-denial-of-disability-benefits-to-claimant-with-multiple-sclerosis/</loc>
		<lastmod>2026-05-12T15:32:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-again-dismisses-provider-claim-for-erisa-statutory-penalties-based-on-language-in-written-assignment-of-rights-and-benefits/</loc>
		<lastmod>2026-05-12T15:31:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/northern-district-of-texas-holds-plaintiff-failed-to-prove-eye-injury-was-sole-cause-of-vision-loss-upholds-denial-of-accidental-dismemberment-benefits/</loc>
		<lastmod>2026-05-12T15:31:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/northern-district-of-indiana-refuses-erisa-discovery-into-insurers-reviewing-physician-without-prima-facie-evidence-of-bias/</loc>
		<lastmod>2026-05-12T15:31:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/northern-district-of-california-vacates-prior-remedies-and-enters-sweeping-injunctive-relief-against-united-behavioral-health-for-fiduciary-breaches-in-guideline-development/</loc>
		<lastmod>2026-05-12T15:31:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/northern-district-of-california-transfers-gs-labs-covid-19-reimbursement-suit-against-cigna-to-connecticut/</loc>
		<lastmod>2026-05-12T15:31:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/northern-district-of-california-applies-erisa-equitable-estoppel-to-enforce-longstanding-misrepresentations-of-pension-eligibility/</loc>
		<lastmod>2026-05-12T15:31:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-vacates-erisa-penalties-against-netflix/</loc>
		<lastmod>2026-05-12T15:30:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-vacates-erisa-benefit-denials-where-plan-misapplied-hospital-definition/</loc>
		<lastmod>2026-05-12T15:30:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-vacates-denial-of-erisa-benefits-faults-procedural-deficiencies-in-unitedhealthcares-claims-process/</loc>
		<lastmod>2026-05-12T15:30:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-vacates-class-relief-against-unitedhealth-for-alleged-erisa-claims-processing-violations-of-lactation-benefit-claims/</loc>
		<lastmod>2026-05-12T15:30:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-upholds-hartfords-decision-to-reduce-claimants-long-term-disability-benefits-by-a-third-party-settlement-payment/</loc>
		<lastmod>2026-05-12T15:30:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-upholds-determination-that-state-law-claims-for-disability-insurance-benefits-are-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T15:29:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-upholds-dismissal-of-erisa-fiduciary-breach-claims-against-genentech/</loc>
		<lastmod>2026-05-12T15:29:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-rules-that-factual-disputes-preclude-summary-judgment-in-withdrawal-liability-case/</loc>
		<lastmod>2026-05-12T15:29:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-putative-class-action-claims-against-unitedhealth-group-for-violation-of-the-parity-act-and-erisa/</loc>
		<lastmod>2026-05-12T15:29:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-putative-class-action-against-unitedhealth-group-for-practices-related-to-substance-use-disorder-treatment/</loc>
		<lastmod>2026-05-12T15:29:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-plaintiffs-unconscionability-challenge-to-plan-arbitration-clause/</loc>
		<lastmod>2026-05-12T15:29:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-excessive-fees-suit-against-trader-joes-company/</loc>
		<lastmod>2026-05-12T15:29:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-claims-brought-by-assignee-of-healthcare-provider/</loc>
		<lastmod>2026-05-12T15:28:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-claims-against-northrop-grumman-over-inaccurate-pension-benefit-statements/</loc>
		<lastmod>2026-05-12T15:28:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-breach-of-fiduciary-duty-claims-in-class-action-against-northrop-grumman/</loc>
		<lastmod>2026-05-12T15:28:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-breach-of-fiduciary-duty-claims-against-att-for-failing-to-monitor-compensation-received-by-its-retirement-plan-recordkeeper/</loc>
		<lastmod>2026-05-12T15:28:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-breach-of-fiduciary-duty-claim-in-putative-class-action-challenging-decision-to-invest-in-volatile-hedge-funds/</loc>
		<lastmod>2026-05-12T15:28:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-breach-of-fiduciary-duty-claim-for-longtime-miscalculation-and-payment-of-disability-benefits/</loc>
		<lastmod>2026-05-12T15:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-breach-of-fiduciary-duty-claim-for-companys-misrepresentation-of-lifetime-health-benefits/</loc>
		<lastmod>2026-05-12T15:27:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-add-denial-where-anticoagulant-contributed-to-fatal-subdural-hematoma/</loc>
		<lastmod>2026-05-12T13:48:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-erisa-breach-of-fiduciary-duty-claim-against-salesforce-for-401k-plan-investments/</loc>
		<lastmod>2026-05-12T12:37:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-breach-of-fiduciary-duty-claims-against-boeing-for-failing-to-investigate-dependent-life-insurance-coverage/</loc>
		<lastmod>2026-05-12T12:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-revives-breach-of-fiduciary-duty-claim-against-employer-for-failing-to-notify-terminally-ill-employee-of-loss-of-life-insurance-coverage/</loc>
		<lastmod>2026-05-12T12:37:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-reverses-hartford-win-and-requires-district-court-to-consider-new-evidence-in-long-term-disability-dispute/</loc>
		<lastmod>2026-05-12T12:37:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-reverses-district-courts-determination-that-claimant-waived-life-insurance-waiver-of-premium-claim/</loc>
		<lastmod>2026-05-12T12:36:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-reverses-denial-of-health-benefits-finding-unitedhealthcare-abused-its-discretion-by-stonewalling-claimant-with-cookie-cutter-denial-letters-and-failing-to-produce-the-claim-file-for-ov/</loc>
		<lastmod>2026-05-12T12:36:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-reverses-class-win-against-united-behavioral-health/</loc>
		<lastmod>2026-05-12T12:36:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-reaffirms-ability-to-sit-for-four-hours-a-day-means-a-claimant-can-perform-any-occupation-under-disability-policy/</loc>
		<lastmod>2026-05-12T12:36:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-orders-remand-to-insurance-company-to-decide-claimants-entitlement-to-any-occupation-disability-benefits-in-the-first-instance/</loc>
		<lastmod>2026-05-12T12:36:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-orders-reconsideration-of-aca-challenge-to-gender-affirming-care-exclusions/</loc>
		<lastmod>2026-05-12T12:35:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-interprets-california-insurance-code-to-require-payment-of-interest-on-life-insurance-benefits-only-after-a-claim-is-submitted/</loc>
		<lastmod>2026-05-12T12:35:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-holds-state-law-claims-against-cigna-are-preempted-by-erisa-where-cigna-denied-reimbursement-of-health-claims-due-to-providers-fee-forgiving-practice/</loc>
		<lastmod>2026-05-12T12:35:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-holds-self-funded-long-term-disability-plan-did-not-abuse-its-discretion-in-applying-pre-existing-condition-exclusion/</loc>
		<lastmod>2026-05-12T12:35:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-holds-no-breach-of-erisa-fiduciary-duty-for-miscalculating-pension-benefits-and-state-law-negligence-claims-are-not-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T12:35:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-holds-medical-providers-to-terms-of-oral-settlement-with-health-insurance-company/</loc>
		<lastmod>2026-05-12T12:35:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-holds-health-plan-did-not-abuse-its-discretion-in-terminating-spousal-benefits-following-judgment-of-dissolution-of-marriage/</loc>
		<lastmod>2026-05-12T12:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-holds-erisa-preempts-providers-state-law-misrepresentation-claims-against-insurer/</loc>
		<lastmod>2026-05-12T12:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-holds-erisa-health-plans-self-help-provision-is-enforceable/</loc>
		<lastmod>2026-05-12T12:34:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ninth-circuit-holds-erisa-does-not-govern-long-term-disability-policy-purchased-through-insurance-agents-association/</loc>
		<lastmod>2026-05-12T12:34:35+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-holds-equitable-tolling-and-equitable-estoppel-do-not-apply-to-statute-of-limitations-in-erisa-case/</loc>
		<lastmod>2026-05-12T12:34:24+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-holds-assignee-of-bankrupt-healthcare-providers-health-benefit-claims-has-derivative-standing-to-sue-under-erisa/</loc>
		<lastmod>2026-05-12T12:34:14+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-holds-asbestos-abatement-contractors-qualify-for-mppaa-building-and-construction-industry-withdrawal-liability-exception/</loc>
		<lastmod>2026-05-12T12:34:03+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-unums-2005-california-settlement-agreement-prohibits-self-reported-symptoms-limitation-in-allin-corporations-disability-plan/</loc>
		<lastmod>2026-05-12T12:33:51+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-rooker-feldman-doctrine-does-not-bar-erisa-and-state-law-claims-related-to-qdro-and-dro-payout/</loc>
		<lastmod>2026-05-12T12:33:41+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-long-term-disability-policy-required-insurer-to-pro-rate-bonus-payment-over-period-it-was-earned/</loc>
		<lastmod>2026-05-12T12:33:29+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-hewlett-packard-plan-did-not-abuse-its-discretion-in-denying-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T12:33:13+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-erisa-plans-procedural-error-in-reviewing-claim-for-disability-benefits-does-not-warrant-remand-to-the-plan/</loc>
		<lastmod>2026-05-12T12:33:10+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-employer-waived-life-insurance-policys-evidence-of-insurability-requirement-as-agent-of-insurance-company/</loc>
		<lastmod>2026-05-12T12:32:58+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-claim-preclusion-does-not-apply-to-second-lawsuit-seeking-erisa-governed-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T12:32:48+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-claim-for-occupational-disability-pension-benefits-constructively-denied-for-plans-failure-to-comply-with-erisas-time-limits/</loc>
		<lastmod>2026-05-12T12:32:38+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-californias-state-managed-individual-retirement-account-program-is-not-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T12:32:32+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-finds-assignment-of-rights-gives-surgery-center-authority-to-sue-anthem-for-non-payment-of-benefits/</loc>
		<lastmod>2026-05-12T12:32:22+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-denies-writ-of-mandamus-challenging-courts-order-to-transfer-case-pursuant-to-erisa-plans-forum-selection-clause/</loc>
		<lastmod>2026-05-12T12:32:12+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-confirms-settlement-agreement-with-pension-fund-was-a-non-assignable-financial-accommodation/</loc>
		<lastmod>2026-05-12T12:32:02+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-clarifies-scope-of-mppaa-entertainment-industry-exception/</loc>
		<lastmod>2026-05-12T12:31:52+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-united-of-omahas-denial-of-disability-insurance-benefits/</loc>
		<lastmod>2026-05-12T12:31:09+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-sun-lifes-denial-of-doctors-long-term-disability-benefit-claim/</loc>
		<lastmod>2026-05-12T12:30:59+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-judgment-requiring-premera-blue-cross-to-pay-for-adolescents-14-month-residential-treatment/</loc>
		<lastmod>2026-05-12T12:30:49+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-judgment-in-favor-of-unum-in-lawsuit-challenging-denial-of-erisa-disability-benefit-claim/</loc>
		<lastmod>2026-05-12T12:30:25+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-judgment-for-erisa-plaintiff-in-dispute-over-residential-mental-health-treatment/</loc>
		<lastmod>2026-05-12T12:29:23+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-guardians-denial-of-long-term-disability-benefits-due-to-claimants-pre-existing-condition/</loc>
		<lastmod>2026-05-12T12:29:13+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-erisa-violation-for-mental-health-claim-denial-but-orders-reconsideration-not-benefits/</loc>
		<lastmod>2026-05-12T12:29:03+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-dismissal-of-putative-erisa-class-action-against-mewa-manager-for-lack-of-article-iii-standing/</loc>
		<lastmod>2026-05-12T12:28:45+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-dismissal-of-erisa-suit-against-boeing-alleging-wrongful-distribution-of-investment-plan-account/</loc>
		<lastmod>2026-05-12T12:28:34+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-dismissal-of-erisa-breach-of-fiduciary-duty-claims-against-intel/</loc>
		<lastmod>2026-05-12T12:28:24+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-dismissal-of-breach-of-fiduciary-duty-suit-against-fiduciaries-of-edison-international-employee-stock-ownership-plan/</loc>
		<lastmod>2026-05-12T12:28:14+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-denial-of-long-term-disability-benefits-where-independent-medical-review-process-diminished-weight-of-structural-conflict-of-interest/</loc>
		<lastmod>2026-05-12T12:28:03+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-denial-of-erisa-medical-benefits-for-residential-mental-health-treatment-under-medical-necessity-guidelines/</loc>
		<lastmod>2026-05-12T12:27:52+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-denial-of-erisa-attorneys-fees-to-plaintiff-who-achieved-a-remand-to-the-plan-administrator-but-did-not-prevail-after-the-remand/</loc>
		<lastmod>2026-05-12T12:15:38+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-denial-of-erisa-attorneys-fees-to-claimant-where-insurer-reinstated-disability-benefits-shortly-after-lawsuit-was-filed/</loc>
		<lastmod>2026-05-12T12:15:28+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-denial-of-coverage-for-residential-treatment-finding-plan-administrators-reliance-on-interqual-criteria-to-be-reasonable/</loc>
		<lastmod>2026-05-12T12:15:18+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-denial-of-air-ambulance-transportation-claim-for-lack-of-medical-necessity/</loc>
		<lastmod>2026-05-12T12:15:07+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-denial-of-add-benefits-due-to-substantial-contribution-of-preexisting-medical-condition/</loc>
		<lastmod>2026-05-12T12:14:56+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-defined-benefit-plan-participant-lacks-standing-to-bring-breach-of-fiduciary-duty-claims/</loc>
		<lastmod>2026-05-12T12:14:46+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-decision-finding-legal-separation-agreement-qualifies-as-a-qdro/</loc>
		<lastmod>2026-05-12T12:14:35+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-dearborn-insurance-companys-denial-of-life-insurance-waiver-of-premium-benefits/</loc>
		<lastmod>2026-05-12T12:14:25+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-cignas-denial-of-erisa-claims-for-mental-health-treatment-due-to-providers-fee-forgiving-practice/</loc>
		<lastmod>2026-05-12T12:14:15+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-award-of-add-benefits-for-death-caused-by-drunk-and-reckless-driving/</loc>
		<lastmod>2026-05-12T12:14:05+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-attorneys-fee-award-to-erisa-welfare-plan-in-dispute-brought-by-health-care-providers/</loc>
		<lastmod>2026-05-12T12:13:55+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-affirms-atts-denial-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T12:13:45+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-adopts-multifactor-test-for-determining-enforceability-of-release-of-erisa-claims/</loc>
		<lastmod>2026-05-12T12:13:33+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-working-30-hours-a-week-satisfies-long-term-disability-policy-requirement-of-full-time-employee/</loc>
		<lastmod>2026-05-12T12:13:21+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-remand-order-in-erisa-case-constituted-sufficient-success-on-the-merits-for-attorneys-fee-award/</loc>
		<lastmod>2026-05-12T12:13:10+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-non-provider-assignee-lacks-standing-to-sue-insurance-carriers-for-benefits-under-erisa/</loc>
		<lastmod>2026-05-12T12:13:00+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-in-de-novo-review-of-erisa-benefit-decision-district-court-clearly-errs-by-adopting-newly-presented-rationale/</loc>
		<lastmod>2026-05-12T12:12:50+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-erisa-plan-must-arbitrate-dispute-against-its-claims-administrator/</loc>
		<lastmod>2026-05-12T12:12:50+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-embezzler-of-erisa-plan-lacks-standing-to-sue-former-employer-for-allocation-of-restitution-payments/</loc>
		<lastmod>2026-05-12T12:12:49+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/ninth-circuit-dol-was-substantially-justified-in-trial-position-in-erisa-lawsuit-district-court-did-not-abuse-discretion-in-denying-attorneys-fees-under-the-equal-access-to-justice-act-eaj/</loc>
		<lastmod>2026-05-12T12:12:30+00:00</lastmod>
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		<loc>https://robertsdisability.com/ninth-circuit-district-court-did-not-clearly-err-in-finding-that-plaintiff-was-not-disabled-during-entire-elimination-period-in-erisa-ltd-policy/</loc>
		<lastmod>2026-05-12T12:12:20+00:00</lastmod>
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		<loc>https://robertsdisability.com/new-york-district-court-finds-first-unums-ltd-denial-reasonable-under-erisas-deferential-standard/</loc>
		<lastmod>2026-05-12T12:12:10+00:00</lastmod>
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		<loc>https://robertsdisability.com/new-jersey-court-denies-extra-record-discovery-in-erisa-long-term-disability-denial-case-against-unum/</loc>
		<lastmod>2026-05-12T12:12:00+00:00</lastmod>
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		<loc>https://robertsdisability.com/n-d-georgia-holds-erisa-%c2%a7-502a3-claim-duplicative-of-benefits-claim-and-finds-negligent-misrepresentation-claim-preempted/</loc>
		<lastmod>2026-05-12T12:11:50+00:00</lastmod>
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		<loc>https://robertsdisability.com/n-d-california-holds-lina-wrongfully-denied-long-term-disability-benefits-to-engineer-suffering-cognitive-impairment-following-covid-19-vaccination/</loc>
		<lastmod>2026-05-12T12:11:50+00:00</lastmod>
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		<loc>https://robertsdisability.com/multiple-sclerosis-and-your-long-term-disability-insurance-claim/</loc>
		<lastmod>2026-05-12T12:11:39+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/michelle-roberts-is-named-by-northern-california-super-lawyers-as-a-2021-top-100-super-lawyer/</loc>
		<lastmod>2026-05-12T12:11:30+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/medical-providers-claims-challenging-rate-of-reimbursement-from-insurance-company-are-not-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T12:11:19+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/meaningful-dialogue-no-re-do-district-court-confirms-erisa-record-closes-at-final-determination/</loc>
		<lastmod>2026-05-12T12:11:09+00:00</lastmod>
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		<loc>https://robertsdisability.com/massachusetts-district-court-awards-ltd-benefits-to-claimant-with-dysautonomia-finding-insurer-failed-to-prove-mental-health-limitation-applied-under-but-for-causation-standard/</loc>
		<lastmod>2026-05-12T12:10:59+00:00</lastmod>
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		<loc>https://robertsdisability.com/long-term-disability-policy-exclusions/</loc>
		<lastmod>2026-05-12T12:10:49+00:00</lastmod>
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		<loc>https://robertsdisability.com/long-covid-ltd-claim-survives-summary-judgment-hartfords-flawed-tolling-calculation-triggers-erisa-deemed-exhaustion-rule/</loc>
		<lastmod>2026-05-12T12:10:39+00:00</lastmod>
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		<loc>https://robertsdisability.com/long-covid-and-the-fight-for-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T12:10:29+00:00</lastmod>
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		<loc>https://robertsdisability.com/long-covid-and-the-fight-for-long-term-disability-benefits-second-blog-in-our-series-on-long-covid/</loc>
		<lastmod>2026-05-12T12:10:19+00:00</lastmod>
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		<loc>https://robertsdisability.com/long-covid-and-erisa-disability-claims-emerging-themes-and-guidance-for-claimants/</loc>
		<lastmod>2026-05-12T12:10:09+00:00</lastmod>
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		<loc>https://robertsdisability.com/long-covid-and-cognition-third-blog-in-our-series-on-long-covid-and-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T12:09:59+00:00</lastmod>
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		<loc>https://robertsdisability.com/lincolns-unfair-denials-of-disability-benefits-what-recent-court-cases-reveal/</loc>
		<lastmod>2026-05-12T12:09:49+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/is-the-independent-physician-consultant-evaluating-your-long-term-disability-claim-truly-neutral/</loc>
		<lastmod>2026-05-12T12:09:39+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/in-withdrawal-liability-dispute-seventh-circuit-reaffirms-presumption-that-leasing-property-to-a-withdrawing-employer-is-a-trade-or-business/</loc>
		<lastmod>2026-05-12T12:09:29+00:00</lastmod>
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		<loc>https://robertsdisability.com/in-the-words-of-yoda-murder-does-not-an-erisa-claim-pay/</loc>
		<lastmod>2026-05-12T12:09:19+00:00</lastmod>
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		<loc>https://robertsdisability.com/intent-to-appeal-is-not-an-appeal-s-d-texas-grants-summary-judgment-for-prudential-on-exhaustion-grounds/</loc>
		<lastmod>2026-05-12T12:09:06+00:00</lastmod>
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		<loc>https://robertsdisability.com/insurers-own-evidence-dooms-benefit-termination-court-finds-claimant-disabled-under-any-occupation-standard-in-erisa-policy/</loc>
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		<loc>https://robertsdisability.com/in-retiree-life-insurance-coverage-dispute-eleventh-circuit-affirms-summary-judgment-to-allstate-despite-district-judges-ownership-of-allstate-stock/</loc>
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		<loc>https://robertsdisability.com/tenth-circuit-upholds-guardians-payment-of-erisa-life-insurance-benefits-to-insureds-attorney-in-fact/</loc>
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		<loc>https://robertsdisability.com/in-life-insurance-dispute-district-court-dismisses-erisa-claims-against-insurer-and-allows-fiduciary-breach-claim-against-employer/</loc>
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	</url>
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		<loc>https://robertsdisability.com/in-erisa-dispute-district-court-orders-hartford-to-produce-discovery-concerning-financial-conflict-of-interest/</loc>
		<lastmod>2026-05-12T11:27:28+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/in-erisa-disability-benefit-suit-district-court-finds-reliance-standard-committed-procedural-error-and-failed-to-adequately-consider-medical-evidence/</loc>
		<lastmod>2026-05-12T11:27:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/in-erisa-class-action-eleventh-circuit-affirms-decision-that-home-depot-401k-plan-participants-did-not-carry-their-burden-of-proof-for-fiduciary-breach-claims/</loc>
		<lastmod>2026-05-12T11:27:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/in-dispute-over-withdrawal-liability-d-c-circuit-holds-actuary-may-base-assumption-on-information-after-measurement-date/</loc>
		<lastmod>2026-05-12T11:27:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/in-disability-benefit-dispute-second-circuit-affirms-that-ability-to-take-public-ground-transportation-is-not-a-material-duty-of-manager-of-bond-salesmen/</loc>
		<lastmod>2026-05-12T11:26:50+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/indiana-district-court-rejects-equitable-tolling-of-erisa-life-insurance-conversion-deadlines-for-incapacity/</loc>
		<lastmod>2026-05-12T11:26:37+00:00</lastmod>
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		<loc>https://robertsdisability.com/how-roberts-disability-law-won-an-appeal-for-a-client-with-chronic-back-pain-after-a-failed-spinal-fusion-surgery/</loc>
		<lastmod>2026-05-12T11:26:27+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/how-roberts-disability-law-successfully-appealed-guardians-termination-of-long-term-disability-benefits-for-client-with-significant-impairment-affecting-the-ability-to-perform-any-gainful-occ/</loc>
		<lastmod>2026-05-12T11:25:58+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/how-roberts-disability-law-secured-reinstatement-of-long-term-disability-benefits-for-client-with-multiple-objective-and-subjective-symptom-conditions/</loc>
		<lastmod>2026-05-12T11:25:50+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/how-roberts-disability-law-secured-reinstatement-of-long-term-disability-benefits-for-client-with-multiple-lumbar-spine-conditions/</loc>
		<lastmod>2026-05-12T11:25:40+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/how-erisa-disability-plans-differ-from-individual-plans/</loc>
		<lastmod>2026-05-12T11:25:29+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/how-do-i-transition-my-erisa-disability-claim-from-short-term-to-long-term-disability/</loc>
		<lastmod>2026-05-12T11:25:19+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/how-do-i-protect-my-erisa-disability-claim-during-the-transition-from-own-occupation-to-any-occupation/</loc>
		<lastmod>2026-05-12T11:24:52+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/high-court-reaffirms-erisa-plan-fiduciary-duty-to-monitor-plan-options-and-remove-imprudent-ones/</loc>
		<lastmod>2026-05-12T11:24:42+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-revives-retirees-claim-of-vested-retiree-life-insurance-coverage/</loc>
		<lastmod>2026-05-12T11:24:32+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-revives-erisa-claims-against-aetna-and-optum-for-buried-service-fees-charged-to-self-funded-health-plans/</loc>
		<lastmod>2026-05-12T11:24:21+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-revives-claims-for-residential-treatment-based-on-plan-administrators-failure-to-produce-documents-during-claim-review-process/</loc>
		<lastmod>2026-05-12T11:24:13+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-reverses-win-for-hartford-in-dispute-over-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T11:24:00+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-reverses-long-term-disability-benefit-denial-due-to-plans-failure-to-adequately-consider-basis-for-social-security-administrations-award-of-benefits/</loc>
		<lastmod>2026-05-12T11:23:48+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-reduces-damages-award-against-breaching-erisa-fiduciary-by-amount-fiduciary-forgave-of-esop-debt/</loc>
		<lastmod>2026-05-12T11:23:37+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-joins-sixth-eighth-and-ninth-circuits-in-holding-punitive-damages-are-not-recoverable-in-lrma-%c2%a7-301-cases-for-late-contribution-payments/</loc>
		<lastmod>2026-05-12T11:23:27+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-holds-that-merrill-lynchs-wealthchoice-award-program-is-an-excepted-bonus-payment-plan-not-an-erisa-covered-employee-pension-benefit-plan/</loc>
		<lastmod>2026-05-12T11:23:17+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-holds-that-mandatory-victims-restitution-act-permits-the-governments-seizure-of-erisa-governed-retirement-benefits/</loc>
		<lastmod>2026-05-12T11:23:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-holds-erisa-plaintiff-did-not-demonstrate-disability-due-to-non-limited-condition-under-terms-of-disability-policy/</loc>
		<lastmod>2026-05-12T11:22:56+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-holds-erisa-%c2%a7-502a2-claims-in-defined-contribution-plans-are-individualized-and-cannot-be-certified-as-mandatory-classes/</loc>
		<lastmod>2026-05-12T11:22:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-finds-life-insurance-policy-benefits-payable-where-insured-was-not-totally-disabled-for-180-days-before-policys-effective-date/</loc>
		<lastmod>2026-05-12T11:22:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-finds-erisa-administrator-forfeits-deference-by-missing-appeal-deadline/</loc>
		<lastmod>2026-05-12T11:22:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-finds-company-did-not-violate-erisa-when-it-terminated-67-employees-who-submitted-similar-medical-leave-forms-following-notice-of-furlough/</loc>
		<lastmod>2026-05-12T11:22:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-finds-company-did-not-properly-eliminate-erisa-severance-plan-prior-to-mass-layoff/</loc>
		<lastmod>2026-05-12T11:22:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-endorses-bench-trials-on-the-administrative-record-in-erisa-denial-of-benefits-cases/</loc>
		<lastmod>2026-05-12T11:21:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-confirms-discretion-in-qdro-cost-allocation-and-declines-erisa-penalties/</loc>
		<lastmod>2026-05-12T11:21:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-affirms-zurichs-termination-of-cbs-writers-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T11:21:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-affirms-win-for-plaintiff-in-erisa-long-term-disability-lawsuit-against-reliance-standard/</loc>
		<lastmod>2026-05-12T11:21:27+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fourth-circuit-affirms-united-mutual-of-omahas-denial-of-long-term-disability-benefits-based-on-insufficient-information/</loc>
		<lastmod>2026-05-12T11:21:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-affirms-termination-of-retiree-welfare-benefits-where-plan-reserved-right-to-amend-or-terminate/</loc>
		<lastmod>2026-05-12T11:21:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-affirms-denial-of-health-coverage-for-spinal-surgery-as-arbitrary-and-capricious/</loc>
		<lastmod>2026-05-12T11:21:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-affirms-denial-of-long-term-disability-claimants-motion-to-reopen-erisa-lawsuit-after-settlement/</loc>
		<lastmod>2026-05-12T11:20:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-affirms-aon-hewitt-did-not-breach-erisa-fiduciary-duties-in-cross-selling-services-and-managing-lowes-401k-plan/</loc>
		<lastmod>2026-05-12T11:20:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-in-suit-for-erisa-plan-benefits-court-cannot-equitably-toll-deadline-to-convert-erisa-life-insurance-policy-to-individual-coverage/</loc>
		<lastmod>2026-05-12T11:20:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fourth-circuit-company-manifested-intent-to-be-bound-by-cba-and-is-subject-to-exit-contributions-under-erisa/</loc>
		<lastmod>2026-05-12T11:20:27+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/form-over-substance-district-court-decision-highlights-the-importance-of-attending-physician-statements-in-long-term-disability-claims-governed-by-erisa/</loc>
		<lastmod>2026-05-12T11:20:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/first-circuit-upholds-unums-application-of-long-term-disability-policys-self-reported-symptoms-limitation/</loc>
		<lastmod>2026-05-12T11:19:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/first-circuit-upholds-pension-funds-termination-of-disability-benefits-due-to-disqualifying-employment/</loc>
		<lastmod>2026-05-12T11:19:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/first-circuit-revives-erisa-claims-against-health-benefit-plan-for-alleged-violation-of-mental-health-parity-act/</loc>
		<lastmod>2026-05-12T11:19:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/first-circuit-revives-breach-of-fiduciary-duty-claim-for-voluntary-life-insurance-coverage/</loc>
		<lastmod>2026-05-12T11:18:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/first-circuit-holds-health-plans-third-party-administrator-is-not-an-erisa-fiduciary-with-respect-to-overpayments-to-medical-providers/</loc>
		<lastmod>2026-05-12T11:18:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/first-circuit-finds-wrongful-death-claim-related-to-health-insurance-benefit-denial-is-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T11:18:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/first-circuit-finds-union-dispute-with-employer-over-401k-plan-matching-to-be-arbitrable-under-cba/</loc>
		<lastmod>2026-05-12T11:18:29+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/first-circuit-finds-plaintiff-waived-argument-that-erisa-applied-to-long-term-disability-policy-but-certified-to-state-supreme-court-whether-policys-contractual-limitations-clause-violated-p/</loc>
		<lastmod>2026-05-12T11:18:19+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/first-circuit-finds-insurer-owed-fiduciary-duty-under-erisa-when-it-increased-premium-rates-for-group-long-term-care-insurance/</loc>
		<lastmod>2026-05-12T11:18:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/first-circuit-finds-fidelitys-collection-of-infrastructure-fees-does-not-make-it-a-functional-fiduciary-under-erisa/</loc>
		<lastmod>2026-05-12T11:07:36+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/first-circuit-construes-life-insurance-policy-ambiguities-against-reliance-standard-and-affirms-over-1-1-million-award-to-widow/</loc>
		<lastmod>2026-05-12T11:07:26+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/first-circuit-affirms-insurers-discretion-in-terminating-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T11:07:16+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/first-circuit-affirms-denial-of-accidental-death-insurance-benefits-based-on-suicide-exclusion/</loc>
		<lastmod>2026-05-12T11:07:06+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/first-circuit-erisas-2002-regulations-give-disability-claimants-chance-to-respond-to-new-evidence-generated-during-administrative-review/</loc>
		<lastmod>2026-05-12T11:06:56+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-upholds-unums-termination-of-long-term-disability-benefits-under-abuse-of-discretion-review/</loc>
		<lastmod>2026-05-12T11:06:32+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-upholds-national-football-leagues-denial-of-line-of-duty-benefits-for-former-buffalo-bills-player/</loc>
		<lastmod>2026-05-12T11:06:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fifth-circuit-upholds-metlifes-termination-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T11:06:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fifth-circuit-upholds-metlifes-denial-of-accidental-death-benefits-where-morbid-obesity-contributed-to-insureds-death/</loc>
		<lastmod>2026-05-12T11:06:02+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-upholds-denial-of-accidental-death-benefits-due-to-policy-exclusion-of-deaths-resulting-from-aircraft-flight/</loc>
		<lastmod>2026-05-12T11:05:52+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-substitutes-decision-in-matter-where-it-reversed-the-win-for-nfl-player-seeking-additional-disability-benefits-under-nfl-player-retirement-plan/</loc>
		<lastmod>2026-05-12T11:05:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fifth-circuit-rules-for-erisa-claimant-where-disability-claim-straddles-two-insurance-companies-that-both-deny-coverage/</loc>
		<lastmod>2026-05-12T11:05:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fifth-circuit-revives-erisa-imprudence-lawsuit-over-investments-and-recordkeeping-fees/</loc>
		<lastmod>2026-05-12T11:05:22+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-revives-emergency-physician-groups-erisa-claims-against-out-of-state-blue-cross-plans/</loc>
		<lastmod>2026-05-12T11:05:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/fifth-circuit-reverses-win-for-nfl-player-seeking-higher-tier-of-disability-benefits-under-nfl-player-retirement-plan/</loc>
		<lastmod>2026-05-12T11:04:58+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-reaffirms-that-termination-of-erisa-plan-is-a-settlor-function-not-a-fiduciary-act/</loc>
		<lastmod>2026-05-12T11:04:48+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-remands-challenge-of-dols-final-rule-regarding-erisa-fiduciary-consideration-of-esg-factors-to-the-district-court-in-light-of-loper-bright-decision/</loc>
		<lastmod>2026-05-12T11:04:48+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-permits-class-action-to-proceed-in-erisa-lawsuit-alleging-mismanagement-of-benefit-plans/</loc>
		<lastmod>2026-05-12T11:04:38+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-orders-united-healthcare-to-pay-for-minors-partial-hospitalization-treatment-for-anorexia-nervosa/</loc>
		<lastmod>2026-05-12T11:04:28+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-joins-sister-circuits-in-holding-that-the-collection-of-a-contractually-predetermined-fixed-fee-does-not-constitute-a-fiduciary-act-under-erisa/</loc>
		<lastmod>2026-05-12T11:04:18+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-issues-revised-opinion-in-angelina-emergency-medicine-associates-v-blue-cross-clarifying-the-path-forward-for-out-of-network-erisa-providers/</loc>
		<lastmod>2026-05-12T11:04:07+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-holds-that-employees-retirement-constitutes-a-qualifying-event-and-triggers-employers-cobra-notice-obligation/</loc>
		<lastmod>2026-05-12T11:03:57+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-holds-that-death-caused-by-mishap-during-insureds-self-treatment-falls-under-accidental-death-policys-medical-treatment-exclusion/</loc>
		<lastmod>2026-05-12T11:03:47+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-holds-project-completion-incentive-plan-is-not-an-erisa-plan-due-to-lack-of-ongoing-administrative-scheme/</loc>
		<lastmod>2026-05-12T11:03:37+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-holds-plan-may-compel-arbitration-of-erisa-%c2%a7-502a2-claim-but-invalidates-representative-action-waiver/</loc>
		<lastmod>2026-05-12T11:03:27+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-holds-medical-provider-tort-claim-against-nfl-is-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T11:03:17+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-holds-erisa-fiduciary-claims-seeking-monetary-relief-are-equitable-and-not-subject-to-arbitration/</loc>
		<lastmod>2026-05-12T11:03:07+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-holds-erisa-fee-awards-require-actual-merits-relief-not-moral-victories/</loc>
		<lastmod>2026-05-12T11:02:56+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-holds-air-ambulance-providers-did-not-have-standing-to-bring-erisa-claim-against-health-insurance-company/</loc>
		<lastmod>2026-05-12T11:02:46+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/fifth-circuit-gives-reliance-standard-second-bite-at-the-apple-in-dispute-over-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T11:02:36+00:00</lastmod>
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		<lastmod>2026-05-12T10:25:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-eleventh-circuit-holds-that-erisas-six-year-statute-of-repose-is-waivable/</loc>
		<lastmod>2026-05-12T10:25:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-discretionary-language-in-summary-plan-description-does-not-confer-discretion-upon-long-term-disability-insurer/</loc>
		<lastmod>2026-05-12T10:25:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-discretionary-authority-must-be-explicitly-stated-in-long-term-disability-plan/</loc>
		<lastmod>2026-05-12T10:24:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-disability-plan-cannot-offset-direct-rollover-funds-against-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T10:24:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-disability-plan-administrator-must-respond-to-discovery-requests-concerning-documents-brought-to-its-attention/</loc>
		<lastmod>2026-05-12T10:24:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/disability-insurer-must-consider-physical-and-mental-stress-of-occupation/</loc>
		<lastmod>2026-05-12T10:24:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-court-upholds-victory-for-esop-plan-participants-in-erisa-breach-of-fiduciary-duty-class-action/</loc>
		<lastmod>2026-05-12T10:24:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-court-rules-that-medical-plan-improperly-asserted-subrogation-lien-to-deny-benefits/</loc>
		<lastmod>2026-05-12T10:23:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-court-rules-that-long-term-disability-insurer-can-offset-gross-social-security-benefit/</loc>
		<lastmod>2026-05-12T10:23:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-court-rules-that-disability-claimant-is-entitled-to-discovery-about-the-insurance-companys-conflict-of-interest/</loc>
		<lastmod>2026-05-12T10:23:13+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/erisa-watch-court-recognizes-disabling-impact-of-fibromyalgia-in-long-term-disability-case/</loc>
		<lastmod>2026-05-12T10:23:01+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/erisa-watch-court-denies-insurer-equitable-trust-over-erroneously-paid-life-insurance-benefits-since-it-seeks-unavailable-legal-relief/</loc>
		<lastmod>2026-05-12T10:22:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-court-denies-attorneys-fees-to-prevailing-insurance-company-defendant-in-long-term-disability-benefit-dispute/</loc>
		<lastmod>2026-05-12T10:22:41+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/erisa-watch-court-certifies-class-action-against-citigroup-401k-plan-fiduciaries-for-alleged-violations-of-self-dealing-and-imprudent-conduct/</loc>
		<lastmod>2026-05-12T10:22:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-court-applies-strict-requirement-to-exhausting-administrative-remedies-take-this-letter-as-an-appeal-is-not-enough/</loc>
		<lastmod>2026-05-12T10:22:20+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/erisa-watch-court-applies-californias-ban-on-discretion-to-self-funded-disability-plan/</loc>
		<lastmod>2026-05-12T10:22:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-court-of-appeals-affirms-victory-for-long-term-disability-claimant-even-though-the-district-court-did-not-make-a-finding-of-disability/</loc>
		<lastmod>2026-05-12T10:21:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-class-wide-equitable-relief-may-be-awarded-absent-individualized-proof-of-detrimental-reliance/</loc>
		<lastmod>2026-05-12T10:21:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-certified-for-interlocutory-appeal-at-the-third-circuit-is-whether-an-erisa-plans-reimbursement-terms-supersede-a-third-party-attorneys-claim-for-fees/</loc>
		<lastmod>2026-05-12T10:21:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-case-summary-compilations/</loc>
		<lastmod>2026-05-12T10:21:15+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/erisa-watch-california-insurance-code-defeats-disability-policys-limitations-provision/</loc>
		<lastmod>2026-05-12T10:21:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-california-ban-on-discretion-is-not-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T10:20:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-beware-of-social-media-if-youre-a-long-term-disability-claimant/</loc>
		<lastmod>2026-05-12T10:20:42+00:00</lastmod>
		<image:image>
			<image:loc>http://robertsdisability.com/wp-content/uploads/2017/06/angry1-e1497900873887.png</image:loc>
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		<loc>https://robertsdisability.com/erisa-watch-applying-discovery-rule-sixth-circuit-holds-that-pension-benefit-claim-is-time-barred/</loc>
		<lastmod>2026-05-12T10:20:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-alternative-pleading-of-section-502a1b-and-502a3-claims-is-permissible-post-amara/</loc>
		<lastmod>2026-05-12T10:20:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-against-the-tide-court-rules-erisa-preempts-cal-ins-code-10110-6-as-it-applies-to-a-self-funded-disability-plan/</loc>
		<lastmod>2026-05-12T10:20:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-add-and-life-insurance-policy-benefits-not-payable-for-loss-of-eye-caused-by-fungal-infection/</loc>
		<lastmod>2026-05-12T10:19:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-achieving-a-remand-to-the-disability-plan-administrator-warrants-attorneys-fees-under-erisa-section-502g/</loc>
		<lastmod>2026-05-12T10:19:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-shhh-its-the-fiduciary-exception-to-the-attorney-client-privilege/</loc>
		<lastmod>2026-05-12T10:19:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-watch-independent-doctor-may-be-deposed-on-de-novo-review/</loc>
		<lastmod>2026-05-12T10:19:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/erisa-settlement-enforced-fees-awarded-even-after-the-client-tried-to-back-out/</loc>
		<lastmod>2026-05-12T08:55:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-allows-life-insurance-beneficiaries-to-allege-an-alternative-erisa-breach-of-fiduciary-duty-claim-against-unum/</loc>
		<lastmod>2026-05-12T08:54:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-upholds-unums-termination-of-long-term-disability-benefits-under-arbitrary-and-capricious-review/</loc>
		<lastmod>2026-05-12T08:54:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-upholds-self-funded-health-plans-equitable-lien-on-members-medical-malpractice-settlement-proceeds/</loc>
		<lastmod>2026-05-12T08:54:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-upholds-non-signatorys-right-to-sue-under-erisa-despite-arbitration-agreement/</loc>
		<lastmod>2026-05-12T08:53:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-upholds-linas-denial-of-long-term-disability-benefits-despite-social-security-award/</loc>
		<lastmod>2026-05-12T08:53:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-upholds-insurers-denial-of-nasal-surgery-coverage-as-not-medically-necessary/</loc>
		<lastmod>2026-05-12T08:53:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-rules-metlife-properly-terminated-attorneys-disability-benefits/</loc>
		<lastmod>2026-05-12T08:53:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-rejects-reliance-standards-broad-interpretation-of-preexisting-condition-exclusion/</loc>
		<lastmod>2026-05-12T08:53:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-rejects-former-nfl-players-erisa-claim-for-untimeliness-and-lack-of-plausible-allegations/</loc>
		<lastmod>2026-05-12T08:52:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-reaffirms-strict-erisa-exhaustion-requirement-for-fiduciary-breach-claims/</loc>
		<lastmod>2026-05-12T08:52:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-precedent-continues-to-shape-limited-discovery-in-erisa-cases/</loc>
		<lastmod>2026-05-12T08:52:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-holds-that-erisas-fee-shifting-provision-cannot-support-a-fee-award-against-counsel/</loc>
		<lastmod>2026-05-12T08:52:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-holds-reliance-standard-did-not-abuse-discretion-denying-long-term-disability-benefits-under-any-occupation-standard/</loc>
		<lastmod>2026-05-12T08:52:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-holds-erisa-does-not-impede-multi-district-antitrust-class-settlement-between-blue-cross-and-member-plans/</loc>
		<lastmod>2026-05-12T08:51:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-holds-erisa-arbitration-clause-unenforceable-where-it-waives-plan-wide-relief/</loc>
		<lastmod>2026-05-12T08:51:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-holds-defined-contribution-plans-are-not-entitled-to-the-benefit-from-foreign-tax-credits/</loc>
		<lastmod>2026-05-12T08:51:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-hands-win-to-reliance-standard-in-dispute-over-accidental-death-insurance-benefits-where-body-was-never-found/</loc>
		<lastmod>2026-05-12T08:50:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-finds-erisa-lawsuit-time-barred-based-on-benefit-plans-contractual-limitations-period/</loc>
		<lastmod>2026-05-12T08:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-denies-pro-se-litigant-rule-60-relief-from-judgment-on-erisa-breach-of-fiduciary-duty-claim/</loc>
		<lastmod>2026-05-12T08:50:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-blocks-attorney-with-parkinsons-disease-from-collecting-benefits-under-two-disability-insurance-policies/</loc>
		<lastmod>2026-05-12T08:50:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-vacatur-of-arbitration-award-after-arbitrator-grants-relief-on-unsubmitted-erisa-claim/</loc>
		<lastmod>2026-05-12T08:50:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-termination-of-long-term-disability-benefits-where-claimant-failed-to-provide-objective-medical-evidence-of-continued-inability-to-lift-fifty-pounds/</loc>
		<lastmod>2026-05-12T08:49:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-long-term-disability-denial-based-on-coverage-lapse-and-preexisting-condition-where-payroll-records-show-reduced-hours/</loc>
		<lastmod>2026-05-12T08:49:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-linas-denial-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T08:49:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-liability-for-breach-of-top-hat-plan-terms-where-lump-sum-payouts-reduced-promised-lifetime-annuities/</loc>
		<lastmod>2026-05-12T08:49:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-hartfords-termination-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T08:49:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-employer-did-not-violate-erisa-or-terms-of-severance-plan-when-it-terminated-employee-for-cause/</loc>
		<lastmod>2026-05-12T08:48:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-doctor-entitled-to-group-disability-benefits-rejecting-insurers-interpretation-of-covered-monthly-earnings/</loc>
		<lastmod>2026-05-12T08:48:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-dismissal-of-health-providers-erisa-claims-due-to-valid-anti-assignment-provisions/</loc>
		<lastmod>2026-05-12T08:48:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-dismissal-of-erisa-benefits-claim-for-failure-to-plausibly-allege-primary-coverage-but-remands-to-permit-amendment/</loc>
		<lastmod>2026-05-12T08:48:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-denial-of-untimely-post-judgment-motion-for-new-trial/</loc>
		<lastmod>2026-05-12T08:48:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-denial-of-erisa-governed-short-term-disability-benefits-finding-administrators-decision-was-not-arbitrary-and-capricious/</loc>
		<lastmod>2026-05-12T08:47:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-affirms-allstate-retirees-are-not-entitled-to-lifetime-life-insurance-benefits/</loc>
		<lastmod>2026-05-12T08:47:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-unum-erred-by-denying-disability-benefits-to-pharmacist-with-cognitive-limitations-caused-by-pain-and-medication-side-effects/</loc>
		<lastmod>2026-05-12T08:47:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eleventh-circuit-under-de-novo-review-of-an-erisa-benefit-decision-district-court-cannot-limit-review-to-the-administrative-record/</loc>
		<lastmod>2026-05-12T08:47:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-vacates-177-arbitration-awards-against-dst-systems-due-to-lack-of-subject-matter-jurisdiction/</loc>
		<lastmod>2026-05-12T08:47:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-upholds-unums-interpretation-of-crime-exclusion-in-add-policy-to-death-caused-by-illegal-speeding-and-passing-vehicles/</loc>
		<lastmod>2026-05-12T08:47:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-upholds-insurers-right-to-reimbursement-of-medical-expenses-despite-its-failure-to-pursue-its-claims-in-subrogation/</loc>
		<lastmod>2026-05-12T08:46:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-upholds-dismissal-of-erisa-lawsuit-alleging-excessive-recordkeeping-fees/</loc>
		<lastmod>2026-05-12T08:46:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-upholds-denial-of-accidental-death-benefits-based-on-exclusion-for-voluntary-ingestion-of-unprescribed-narcotic-drugs/</loc>
		<lastmod>2026-05-12T08:46:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-revives-breach-of-fiduciary-duty-claim-against-mastercard-for-misrepresentations-about-life-insurance-coverage/</loc>
		<lastmod>2026-05-12T08:46:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-holds-that-maine-ban-on-discretionary-authority-in-health-plans-does-not-apply-to-add-insurance-policy/</loc>
		<lastmod>2026-05-12T08:45:50+00:00</lastmod>
	</url>
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		<loc>https://robertsdisability.com/eighth-circuit-holds-erisa-plan-participant-has-standing-to-sue-health-plans-former-third-party-administrator-and-upholds-denial-of-medical-claim/</loc>
		<lastmod>2026-05-12T08:45:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-holds-erisa-does-not-preempt-state-law-claims-against-recipient-of-erisa-benefits/</loc>
		<lastmod>2026-05-12T08:45:23+00:00</lastmod>
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		<loc>https://robertsdisability.com/eighth-circuit-holds-erisa-does-not-preempt-north-dakota-laws-regulating-pharmacy-benefits-managers/</loc>
		<lastmod>2026-05-12T08:45:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-holds-arkansas-law-banning-discretionary-clauses-does-not-apply-to-disability-insurance-policy-renewed-prior-to-laws-effective-date/</loc>
		<lastmod>2026-05-12T08:44:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-finds-reliance-standard-did-not-abuse-its-discretion-in-terminating-disability-benefits-for-claimant-with-charcot-marie-tooth-disease/</loc>
		<lastmod>2026-05-12T08:44:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-finds-employee-benefit-funds-failed-to-establish-company-owes-supplemental-dues-under-cba/</loc>
		<lastmod>2026-05-12T08:44:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-finds-additional-time-to-convert-group-life-coverage-did-not-extend-policys-31-day-automatic-death-benefit-period/</loc>
		<lastmod>2026-05-12T08:44:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-reverses-win-for-sun-life-termination-of-anesthesiologists-10-year-disability-benefit-claim-is-abuse-of-discretion/</loc>
		<lastmod>2026-05-12T08:25:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-denies-appointment-of-impartial-umpire-to-resolve-dispute-over-payment-of-attorneys-fees-from-welfare-trust/</loc>
		<lastmod>2026-05-12T08:24:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-court-of-appeals-expands-rights-for-long-term-disability-claimants/</loc>
		<lastmod>2026-05-12T08:24:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-district-courts-award-of-prejudgment-interest-liquidated-damages-and-attorneys-fees-to-welfare-and-pension-plans/</loc>
		<lastmod>2026-05-12T08:24:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-dismissal-of-putative-class-action-challenging-uniteds-cross-plan-offsetting-due-to-lack-of-article-iii-standing/</loc>
		<lastmod>2026-05-12T08:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-dismissal-of-claims-alleging-energy-company-mismanaged-its-401k-plan/</loc>
		<lastmod>2026-05-12T08:23:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-denial-of-disability-pension-where-claimant-failed-to-submit-social-security-disability-notice-of-award-with-application-for-pension-benefits/</loc>
		<lastmod>2026-05-12T08:22:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-cba-only-requires-benefit-fund-contributions-for-construction-and-highway-work/</loc>
		<lastmod>2026-05-12T08:22:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-award-of-long-term-disability-benefits-based-on-determination-that-plaintiff-was-disabled-from-sedentary-work-due-to-her-physical-ailments/</loc>
		<lastmod>2026-05-12T08:22:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-award-of-disability-benefits-to-nurse-anesthetist-addicted-to-fentanyl/</loc>
		<lastmod>2026-05-12T08:22:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-award-of-delinquent-contributions-and-attorneys-fees-to-trustees-of-five-multi-employer-fringe-benefit-funds/</loc>
		<lastmod>2026-05-12T08:21:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-affirms-award-of-deferred-compensation-plan-benefits-to-former-company-executive/</loc>
		<lastmod>2026-05-12T08:21:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-principal-life-insurance-company-did-not-breach-erisa-fiduciary-duties-with-its-stable-value-contract-for-401k-plans/</loc>
		<lastmod>2026-05-12T08:21:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-ordinary-summary-judgment-procedures-apply-to-review-of-erisa-benefit-claims/</loc>
		<lastmod>2026-05-12T08:21:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-life-insurer-breached-erisa-fiduciary-duties-by-maintaining-faulty-enrollment-system/</loc>
		<lastmod>2026-05-12T08:21:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-exhaustion-of-administrative-remedies-is-not-required-where-erisa-plan-contains-no-review-procedures-accidental-heroin-overdose-is-not-an-intentionally-self-inflicted-injury/</loc>
		<lastmod>2026-05-12T08:20:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/eighth-circuit-erisa-health-plans-counterclaim-seeking-equitable-right-to-settlement-funds-does-not-establish-subject-matter-jurisdiction-in-federal-district-court/</loc>
		<lastmod>2026-05-12T08:20:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ebsa-takes-position-that-erisa-fiduciaries-must-provide-claimants-with-any-audio-recordings-related-to-adverse-benefit-determination/</loc>
		<lastmod>2026-05-12T08:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/do-you-know-what-your-disability-plan-offsets/</loc>
		<lastmod>2026-05-12T08:20:12+00:00</lastmod>
		<image:image>
			<image:loc>https://robertsdisability.com/wp-content/uploads/2016/07/13-03-15-Daily-Journal-article.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://robertsdisability.com/do-you-know-about-your-erisa-life-insurance-exclusions/</loc>
		<lastmod>2026-05-12T08:20:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/double-win-successful-appeal-of-a-termination-of-benefits-and-a-benefit-calculation-resulting-in-reinstatement-and-a-higher-monthly-payment/</loc>
		<lastmod>2026-05-12T08:19:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/does-your-long-term-disability-result-from-a-pre-existing-condition/</loc>
		<lastmod>2026-05-12T08:19:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/doctor-lacks-standing-to-bring-erisa-claims-due-to-health-plans-anti-assignment-provisions/</loc>
		<lastmod>2026-05-12T08:19:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-vermont-upholds-denial-of-disability-benefits-where-employee-alleged-long-covid-but-objective-evidence-did-not-support-disability-before-termination/</loc>
		<lastmod>2026-05-12T08:19:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-utah-confirms-only-named-plan-administrator-may-face-%c2%a7-1132c-penalties/</loc>
		<lastmod>2026-05-12T08:19:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-puerto-rico-dismisses-erisa-claims-against-home-depot-based-on-prior-settlement-agreement/</loc>
		<lastmod>2026-05-12T08:18:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-new-jersey-affirms-narrow-scope-of-erisa-discovery-holds-prior-std-claim-file-is-not-part-of-ltd-administrative-record/</loc>
		<lastmod>2026-05-12T08:18:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-massachusetts-finds-unums-denial-of-ltd-benefits-arbitrary-and-capricious/</loc>
		<lastmod>2026-05-12T08:18:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-maryland-dismisses-full-and-fair-review-claim-under-erisa-for-lack-of-private-right-of-action/</loc>
		<lastmod>2026-05-12T08:18:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-maine-recommends-judgment-for-reliance-standard-concluding-claimant-could-perform-sedentary-claims-supervisor-occupation/</loc>
		<lastmod>2026-05-12T08:17:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-idaho-denies-leave-to-add-new-york-life-as-defendant-in-erisa-disability-case-finding-proposed-amended-complaint-fails-to-plausibly-allege-control-over-benefits-determination/</loc>
		<lastmod>2026-05-12T08:17:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-connecticut-holds-pro-se-plaintiffs-erisa-claims-time-barred-in-20-year-life-insurance-beneficiary-dispute/</loc>
		<lastmod>2026-05-12T08:17:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-connecticut-dismisses-erisa-%c2%a7-510-claim-against-google-holding-plaintiff-failed-to-plausibly-allege-termination-intended-to-prevent-erisa-benefits/</loc>
		<lastmod>2026-05-12T08:17:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-of-arizona-holds-reliance-standard-abused-its-discretion-by-demanding-objective-proof-of-chronic-fatigue-and-failing-to-evaluate-the-record-as-a-whole/</loc>
		<lastmod>2026-05-12T08:17:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-courts-refusal-to-consider-portions-of-unums-regulatory-settlement-agreement-shows-importance-of-erisas-pre-litigation-appeals-process/</loc>
		<lastmod>2026-05-12T08:17:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-courts-decision-affirming-unums-termination-of-disability-benefits-after-10-years-of-payment-highlights-the-difficulties-for-claimants-under-the-arbitrary-and-capricious-sta/</loc>
		<lastmod>2026-05-12T08:16:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-unums-termination-of-disability-benefits-after-24-months-because-plaintiff-did-not-remain-disabled-strictly-due-to-a-physical-condition/</loc>
		<lastmod>2026-05-12T08:16:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-unum-lifes-termination-of-ltd-benefits-based-on-plaintiffs-increased-activity-and-reduction-in-treatment-and-medication/</loc>
		<lastmod>2026-05-12T08:16:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-unum-lifes-termination-of-erisa-long-term-disability-benefits-after-concluding-claimant-was-no-longer-disabled-by-physical-conditions/</loc>
		<lastmod>2026-05-12T08:16:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-unums-denial-of-ltd-benefits-highlighting-evidentiary-requirements-in-subjective-symptom-erisa-claims/</loc>
		<lastmod>2026-05-12T08:16:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-slayer-statute-to-deny-erisa-life-insurance-proceeds-to-convicted-killer/</loc>
		<lastmod>2026-05-12T08:15:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-metlifes-payment-of-life-insurance-proceeds-to-intestate-decedents-mother/</loc>
		<lastmod>2026-05-12T08:15:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-metlifes-denial-of-life-insurance-benefits-where-coverage-lapsed-despite-continued-premium-payments/</loc>
		<lastmod>2026-05-12T08:15:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-insurers-denial-of-erisa-long-term-disability-benefits-highlighting-insufficient-evidence-to-support-impairment-due-to-long-covid/</loc>
		<lastmod>2026-05-12T08:15:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-hartfords-termination-of-long-term-disability-benefits-under-any-occupation-standard/</loc>
		<lastmod>2026-05-12T08:15:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-hartfords-termination-of-long-term-disability-benefits-despite-social-security-award/</loc>
		<lastmod>2026-05-12T08:15:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-upholds-denial-of-accidental-death-benefits-where-dialysis-treatment-contributed-to-death/</loc>
		<lastmod>2026-05-12T08:14:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-transfers-venue-of-erisa-action-from-residence-forum-of-participants-trustee-to-residence-forum-of-plan-participant/</loc>
		<lastmod>2026-05-12T08:14:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-rules-that-guardian-did-not-waive-its-right-to-cancel-group-life-insurance-plan-due-to-low-participation/</loc>
		<lastmod>2026-05-12T08:14:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-courts-deny-motions-to-seal-erisa-administrative-record-and-pleadings-in-disability-benefit-cases/</loc>
		<lastmod>2026-05-12T08:13:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-rules-occupational-injury-benefit-plan-only-covering-a-sole-proprietor-is-not-an-erisa-plan/</loc>
		<lastmod>2026-05-12T07:31:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-rules-for-former-employee-in-erisa-disability-dispute-finding-that-unum-wrongly-denied-long-term-disability-benefits-for-mental-health-impairments/</loc>
		<lastmod>2026-05-12T07:31:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-reverses-insurers-denial-of-erisa-long-term-disability-benefits-finding-claimant-was-disabled-prior-to-his-termination-from-employment-due-to-reduction-in-workforce/</loc>
		<lastmod>2026-05-12T07:30:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-remands-long-term-disability-claim-for-vocational-review-after-finding-chevron-wrongly-denied-benefits/</loc>
		<lastmod>2026-05-12T07:30:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-rejects-unums-boilerplate-discovery-objections-and-allows-limited-incentive-discovery-in-erisa-case-alleging-bad-faith/</loc>
		<lastmod>2026-05-12T07:30:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-rejects-sun-lifes-attempt-to-argue-new-grounds-for-denying-accidental-death-benefits-denies-motion-to-remand/</loc>
		<lastmod>2026-05-12T07:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-rejects-proposed-erisa-class-challenging-nfl-disability-benefits-process-for-lack-of-commonality-and-typicality/</loc>
		<lastmod>2026-05-12T07:29:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-rejects-chevrons-summary-judgment-bid-in-erisa-long-term-disability-dispute-due-to-invalid-delegation-of-authority/</loc>
		<lastmod>2026-05-12T07:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-rejects-aetnas-interpretation-of-erisa-plan-provision-requiring-social-security-disability-award-for-continued-receipt-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T07:29:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-permits-unum-to-countersue-claimant-for-recovery-of-overpaid-disability-benefits-due-to-claimants-receipt-of-social-security-disability-benefits/</loc>
		<lastmod>2026-05-12T07:29:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-permits-sun-life-to-proceed-with-fraud-counterclaim-in-dispute-over-erisa-governed-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T07:29:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-permits-filing-of-counterclaim-for-overpayment-of-erisa-benefits-based-on-purported-equitable-lien/</loc>
		<lastmod>2026-05-12T07:29:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-permits-extra-record-discovery-to-demonstrate-reliance-standards-conflict-of-interest-and-its-effect-on-disability-benefits-decision/</loc>
		<lastmod>2026-05-12T07:28:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-partially-affirms-erisa-insurers-application-of-a-limited-benefit-period-to-long-term-disability-claim/</loc>
		<lastmod>2026-05-12T07:28:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-overturns-unums-termination-of-ltd-benefits-after-ten-years-because-plaintiffs-health-had-not-improved-and-unum-mischaracterized-plaintiffs-work-experience-to/</loc>
		<lastmod>2026-05-12T07:28:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-overturns-unums-termination-of-disability-and-life-waiver-of-premium-claims-remands-claims-to-unum-to-decide-entitlement-to-any-occupation-benefits/</loc>
		<lastmod>2026-05-12T07:28:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-overturns-prudentials-denial-of-long-term-disability-benefits-under-employer-plan-based-on-well-documented-evidence-from-treating-providers-supporting-total-disability/</loc>
		<lastmod>2026-05-12T07:28:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-orders-unum-to-pay-900-hour-in-attorneys-fees-to-prevailing-plaintiff-in-erisa-governed-long-term-disability-dispute/</loc>
		<lastmod>2026-05-12T07:28:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-orders-inclusion-of-external-medical-review-documents-in-erisa-administrate-record/</loc>
		<lastmod>2026-05-12T07:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-orders-guardian-to-include-claimants-k-1-earnings-in-calculation-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T07:27:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-orders-erisa-plan-insurers-to-pay-disability-benefits-through-date-of-judgment/</loc>
		<lastmod>2026-05-12T07:27:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-limits-lincoln-lifes-ability-to-expand-administrative-record-for-failure-to-comply-with-erisa-regulations/</loc>
		<lastmod>2026-05-12T07:27:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-issues-instructive-opinion-regarding-erisa-and-discovery/</loc>
		<lastmod>2026-05-12T07:27:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-holds-plan-administrators-second-voluntary-appeal-decision-is-subject-to-erisa-procedural-requirements/</loc>
		<lastmod>2026-05-12T07:27:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-holds-montanas-slayer-statute-is-not-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T07:26:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-holds-insurer-did-not-abuse-discretion-in-terminating-ltd-benefits-based-on-medical-file-review-activity-evidence-and-independent-physician-opinions/</loc>
		<lastmod>2026-05-12T07:26:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-holds-erisa-plan-participant-adequately-pleaded-futility-in-pursuing-administrative-remedies-and-denies-insurers-motion-to-dismiss/</loc>
		<lastmod>2026-05-12T07:26:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-hands-win-to-physical-medicine-and-rehab-doctor-who-sued-unum-for-denied-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T07:26:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-grants-summary-judgment-to-lincoln-national-rejecting-church-plan-exemption-in-erisa-disability-benefits-dispute/</loc>
		<lastmod>2026-05-12T07:26:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-grants-plaintiff-limited-discovery-upon-allegation-of-insurer-bias-in-erisa-benefits-action/</loc>
		<lastmod>2026-05-12T07:26:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-grants-plaintiffs-motion-for-judgment-in-erisa-disability-dispute-highlighting-unums-selective-review-of-evidence/</loc>
		<lastmod>2026-05-12T07:26:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-grants-judgment-to-erisa-claimant-faulting-disability-insurers-arbitrary-and-capricious-denial-of-short-term-disability-benefits/</loc>
		<lastmod>2026-05-12T07:25:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-grants-judgment-to-erisa-claimant-criticizing-insurers-arbitrary-denial-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T07:25:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-grants-insurers-motion-to-transfer-venue-in-erisa-benefits-action-finding-significant-connection-to-transferee-district/</loc>
		<lastmod>2026-05-12T07:25:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-grants-in-part-and-denies-in-part-cross-motions-for-judgment-in-erisa-long-term-disability-action/</loc>
		<lastmod>2026-05-12T07:25:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-grants-discovery-in-erisa-disability-case-emphasizing-strict-limits-under-abuse-of-discretion-review/</loc>
		<lastmod>2026-05-12T07:25:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-unums-termination-of-disability-benefits-for-a-former-unum-employee-it-found-disabled-for-20-years-was-arbitrary-and-capricious/</loc>
		<lastmod>2026-05-12T07:24:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-unum-wrongfully-terminated-disability-benefits-for-attorney-disabled-after-breast-cancer-treatment/</loc>
		<lastmod>2026-05-12T07:24:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-unum-improperly-determined-that-plaintiffs-disability-arose-from-a-psychological-as-opposed-to-a-physical-condition/</loc>
		<lastmod>2026-05-12T07:24:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-unum-erred-in-terminating-cancer-patients-claim-for-partial-disability-benefits/</loc>
		<lastmod>2026-05-12T07:24:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-twitter-executives-may-alternately-plead-an-erisa-claim-against-elon-musk-for-breach-of-fiduciary-duty-and-surcharge-for-interference-with-plaintiffs-rights-to-severance/</loc>
		<lastmod>2026-05-12T07:24:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-that-unum-abused-its-discretion-in-concluding-plaintiffs-disability-was-psychological-rather-than-physical/</loc>
		<lastmod>2026-05-12T07:23:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-that-plaintiff-waived-right-to-pursue-erisa-claim-through-separation-agreement-with-employer/</loc>
		<lastmod>2026-05-12T07:23:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-that-paul-revere-improperly-reduced-plaintiffs-lifetime-disability-benefits-by-classifying-plaintiffs-repetitive-stress-injury-as-an-illness/</loc>
		<lastmod>2026-05-12T07:23:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-that-lincoln-national-did-not-abuse-its-discretion-in-concluding-that-treating-providers-changed-opinion-on-disability-was-not-supported-by-the-medical-evidence/</loc>
		<lastmod>2026-05-12T07:23:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-state-law-restricting-contractual-limitations-clause-in-metlifes-disability-and-life-insurance-plans-is-not-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T07:23:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-sun-life-did-not-abuse-its-discretion-in-denying-erisa-long-term-disability-benefit-claim-for-claimant-with-autoimmune-disorders/</loc>
		<lastmod>2026-05-12T07:22:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-that-hartford-improperly-denied-long-term-disability-benefits-to-amazon-com-employee-disabled-after-on-the-job-lumbar-fracture/</loc>
		<lastmod>2026-05-12T07:21:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-reliance-standard-improperly-sought-to-offset-social-security-earned-income-benefits-from-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T07:21:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-reliance-standard-erred-in-denying-plaintiffs-long-term-disability-claim-due-to-the-effects-of-long-covid/</loc>
		<lastmod>2026-05-12T07:21:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-reliance-standard-did-not-abuse-its-discretion-in-applying-24-month-mental-illness-limitation-in-traumatic-brain-injury-claim/</loc>
		<lastmod>2026-05-12T07:00:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-reliance-standard-abused-its-discretion-in-terminating-disability-benefits-by-failing-to-consider-ongoing-cognitive-impairment-resulting-from-post-acute-covid-syndrome/</loc>
		<lastmod>2026-05-12T07:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-plaintiff-physician-was-disabled-due-to-underlying-medical-conditions-and-risk-of-exposure-to-covid-19/</loc>
		<lastmod>2026-05-12T07:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-plaintiff-has-right-to-file-lawsuit-for-long-term-disability-benefits-due-to-erisa-plans-procedural-violations/</loc>
		<lastmod>2026-05-12T06:59:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-plaintiff-failed-to-establish-ongoing-disability-due-to-conditions-not-limited-under-the-long-term-disability-plan/</loc>
		<lastmod>2026-05-12T06:59:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-no-waiver-of-evidence-of-insurability-where-insured-paid-life-insurance-premiums-for-ten-years/</loc>
		<lastmod>2026-05-12T06:59:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-metlife-wrongfully-denied-disability-benefits-for-bank-of-america-employee/</loc>
		<lastmod>2026-05-12T06:59:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-metlife-improperly-terminated-ltd-benefits-overly-relying-on-selective-medical-reviews-and-surveillance-footage/</loc>
		<lastmod>2026-05-12T06:58:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-metlife-did-not-abuse-its-discretion-in-terminating-benefits-where-multiple-treating-providers-agreed-plaintiff-had-no-further-restrictions-precluding-full-time-work/</loc>
		<lastmod>2026-05-12T06:58:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-lincoln-national-improperly-terminated-ltd-benefits-and-remands-matter-to-lincoln-for-further-claim-administration/</loc>
		<lastmod>2026-05-12T06:58:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-lina-improperly-denied-plaintiffs-long-term-disability-claim-after-awarding-short-term-disability-benefits-under-the-same-definition-of-disability/</loc>
		<lastmod>2026-05-12T06:58:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-insurers-termination-of-erisa-governed-long-term-disability-benefits-was-not-arbitrary-or-capricious/</loc>
		<lastmod>2026-05-12T06:58:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-insurer-properly-denied-claim-for-add-benefits-due-to-decedents-intoxication-which-contributed-to-the-vehicle-accident/</loc>
		<lastmod>2026-05-12T06:58:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-insurer-properly-applied-erisa-plan-language-prorating-plaintiffs-lump-sum-pension-benefits-as-an-offset-to-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T06:57:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-insurer-owed-no-duty-to-inform-plan-participant-of-life-insurance-conversion-rights-upon-resignation-but-allowed-claim-of-equitable-tolling-of-conversion-rights-due-to-mental-inc/</loc>
		<lastmod>2026-05-12T06:57:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-dismisses-unum-from-disability-benefit-lawsuit-because-unum-had-no-discretionary-authority-and-was-not-an-erisa-fiduciary/</loc>
		<lastmod>2026-05-12T06:57:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-insurers-committed-numerous-errors-and-abused-its-discretion-in-terminating-disability-benefits-based-on-an-improper-application-of-the-policys-mental-health-limitation/</loc>
		<lastmod>2026-05-12T06:57:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-hartford-did-not-abuse-its-discretion-in-denying-ltd-benefits-because-claimant-could-perform-the-same-occupation-at-other-companies/</loc>
		<lastmod>2026-05-12T06:56:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-guardian-improperly-applied-a-pre-existing-condition-exclusion-to-deny-plaintiffs-erisa-governed-disability-claim/</loc>
		<lastmod>2026-05-12T06:56:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-guardian-entitled-to-set-off-in-erisa-benefits-dispute-but-awards-attorneys-fees-to-plaintiff/</loc>
		<lastmod>2026-05-12T06:56:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-first-unum-improperly-terminated-long-term-disability-benefits-and-remands-for-any-occupation-disability-determination/</loc>
		<lastmod>2026-05-12T06:56:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-ex-wife-can-maintain-cross-claim-on-behalf-of-minor-son-for-erisa-life-insurance-benefits-based-on-terms-of-legal-separation-agreement/</loc>
		<lastmod>2026-05-12T06:56:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-erisa-plan-does-not-require-exhaustion-of-administrative-remedies-as-prerequisite-to-filing-suit/</loc>
		<lastmod>2026-05-12T06:56:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-erisa-plaintiff-did-not-satisfy-burden-of-demonstrating-total-disability-from-sedentary-occupation/</loc>
		<lastmod>2026-05-12T06:56:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-erisa-law-governed-life-insurance-proceeds-deposited-with-court-in-interpleader-action/</loc>
		<lastmod>2026-05-12T06:55:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-erisa-insurer-properly-stopped-life-insurance-premium-waiver-because-claimant-was-no-longer-disabled/</loc>
		<lastmod>2026-05-12T06:55:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-erisa-claim-preempted-by-the-railway-labor-act-in-pilots-long-term-disability-case/</loc>
		<lastmod>2026-05-12T06:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-employers-benefit-plan-is-governed-by-erisa-and-did-not-fall-within-the-safe-harbor-exception/</loc>
		<lastmod>2026-05-12T06:55:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-employer-breached-its-fiduciary-duty-under-erisa-by-failing-to-provide-adequate-information-regarding-conversion-of-group-life-insurance-coverage/</loc>
		<lastmod>2026-05-12T06:54:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-disability-policys-subrogation-and-reimbursement-provision-did-not-encompass-proceeds-from-underinsured-motorists-claim/</loc>
		<lastmod>2026-05-12T06:54:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-choice-of-law-provision-in-add-policy-trumps-california-law-banning-discretionary-authority-in-life-insurance-policies/</loc>
		<lastmod>2026-05-12T06:54:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-business-owner-inadvertently-created-an-erisa-plan-when-the-company-offered-and-paid-for-its-employees-long-term-disability-insurance/</loc>
		<lastmod>2026-05-12T06:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-benefits-not-payable-under-add-policies-because-dismemberment-was-not-the-sole-proximate-cause-of-an-accidental-injury/</loc>
		<lastmod>2026-05-12T06:54:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-beneficiarys-claim-against-guardian-for-life-insurance-proceeds-is-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T06:54:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-att-self-funded-disability-plan-abused-its-discretion-in-denying-software-engineers-long-term-disability-claim/</loc>
		<lastmod>2026-05-12T06:53:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-excludes-post-exhaustion-evidence-in-erisa-disability-case-highlighting-importance-of-procedural-deadlines/</loc>
		<lastmod>2026-05-12T06:53:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-enforces-massachusetts-choice-of-law-clause-in-erisa-case-rejects-california-ban-on-discretionary-clauses/</loc>
		<lastmod>2026-05-12T06:53:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-enforces-add-policys-365-day-loss-requirement-dismissing-erisa-denial-of-benefits-claim/</loc>
		<lastmod>2026-05-12T06:53:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-dismisses-plaintiffs-erisa-and-non-erisa-claims-for-disability-benefits/</loc>
		<lastmod>2026-05-12T06:52:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-dismisses-lawsuit-for-long-term-disability-benefits-under-erisa-due-to-claimant-filing-suit-too-soon/</loc>
		<lastmod>2026-05-12T06:52:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-dismisses-erisa-claims-highlights-plaintiffs-failure-to-allege-entitlement-to-prejudgment-interest-tax-withholdings-penalties-or-equitable-relief/</loc>
		<lastmod>2026-05-12T06:51:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-dismisses-erisa-and-non-erisa-claims-for-disability-benefits-finding-that-erisa-coverage-had-terminated-and-plaintiffs-other-claims-were-preempted-time-barred-or-not-viable/</loc>
		<lastmod>2026-05-12T06:51:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-dismisses-erisa-action-finding-plaintiff-is-not-entitled-to-pre-litigation-attorneys-fees-or-hardship-waiver-of-social-security-disability-offsets/</loc>
		<lastmod>2026-05-12T06:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-unums-motion-to-transfer-venue-in-erisa-disability-case-plaintiffs-choice-of-forum-upheld/</loc>
		<lastmod>2026-05-12T06:50:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-summary-judgment-in-erisa-benefits-matter-where-hartford-failed-to-meaningfully-engage-with-evidence-supporting-disability/</loc>
		<lastmod>2026-05-12T06:50:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-summary-judgment-and-allows-unum-to-submit-an-amended-final-determination-letter-in-erisa-long-term-disability-action/</loc>
		<lastmod>2026-05-12T06:50:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-plaintiff-ongoing-erisa-disability-benefits-for-failure-to-provide-proof-of-loss/</loc>
		<lastmod>2026-05-12T06:50:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-plaintiffs-application-for-protective-order-in-erisa-disability-benefits-dispute/</loc>
		<lastmod>2026-05-12T06:49:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-lina-summary-judgment-in-accidental-death-benefits-dispute-where-decedent-was-under-influence-of-cocaine-and-marijuana/</loc>
		<lastmod>2026-05-12T06:32:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-insurers-motion-to-dismiss-in-erisa-benefits-case-highlighting-procedural-complexities-and-exhaustion-defense/</loc>
		<lastmod>2026-05-12T06:31:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-insurers-attempt-to-block-discovery-in-erisa-benefits-case/</loc>
		<lastmod>2026-05-12T06:31:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-employers-motion-to-dismiss-erisa-breach-of-fiduciary-duty-claim-for-misrepresentation-about-life-insurance-coverage/</loc>
		<lastmod>2026-05-12T06:31:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-decision-denying-dismissal-for-failure-to-exhaust-administrative-remedies-highlights-importance-of-communication-to-plan-participants-about-appeal-procedures/</loc>
		<lastmod>2026-05-12T06:31:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-cross-motions-on-standard-of-review-in-favor-of-eleventh-circuits-six-step-framework-for-evaluating-erisa-benefit-actions/</loc>
		<lastmod>2026-05-12T06:31:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-denies-award-of-erisa-attorneys-fees-against-unsuccessful-add-claimant/</loc>
		<lastmod>2026-05-12T06:31:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-construes-erisa-plans-objective-evidence-requirement-liberally-in-favor-of-claimant/</loc>
		<lastmod>2026-05-12T06:30:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-awards-post-judgment-interest-and-reasonable-attorneys-fees-and-costs-to-plaintiff-as-prevailing-party-in-erisa-disability-action/</loc>
		<lastmod>2026-05-12T06:30:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-awards-long-term-disability-benefits-to-erisa-claimant-rejecting-unums-demand-for-objective-evidence-in-long-covid-case/</loc>
		<lastmod>2026-05-12T06:30:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-awards-erisa-long-term-disability-benefits-to-attorney-suffering-from-long-covid-and-chronic-fatigue-syndrome-symptoms/</loc>
		<lastmod>2026-05-12T06:30:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-awards-erisa-governed-life-insurance-proceeds-to-decedents-girlfriend-rejecting-sons-claim-of-fraud-or-duress-in-change-of-beneficiary/</loc>
		<lastmod>2026-05-12T06:30:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-awards-continued-erisa-long-term-disability-benefits-to-flight-attendant-who-developed-avascular-necrosis-after-right-foot-fracture/</loc>
		<lastmod>2026-05-12T06:30:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-awards-attorneys-fees-to-erisa-plaintiff-highlighting-insurers-procedural-errors-in-benefit-denial-as-factor-in-award/</loc>
		<lastmod>2026-05-12T06:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-applies-fiduciary-exception-granting-plaintiffs-motion-to-compel-unums-legal-communications-prior-to-its-final-decision-on-erisa-ltd-claim/</loc>
		<lastmod>2026-05-12T06:29:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-applies-de-novo-standard-of-review-due-to-insurer-failing-to-strictly-adhere-to-erisa-claims-procedure-regulations/</loc>
		<lastmod>2026-05-12T06:29:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-allows-discovery-beyond-administrative-record-in-erisa-case-over-disputed-employment-termination/</loc>
		<lastmod>2026-05-12T06:29:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-widows-erisa-claim-against-dell-dismisses-metlife-from-life-insurance-coverage-dispute/</loc>
		<lastmod>2026-05-12T06:29:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-unums-denial-of-long-term-disability-benefits-for-attorney-with-long-covid-symptoms/</loc>
		<lastmod>2026-05-12T06:29:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-unums-application-of-long-term-care-policys-existing-loss-exclusion-to-deny-insurance-claim/</loc>
		<lastmod>2026-05-12T06:28:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-plaintiffs-right-to-seek-reformation-of-long-term-disability-plan-under-erisa-based-on-mistake-or-fraud/</loc>
		<lastmod>2026-05-12T06:28:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-metlifes-denial-of-add-benefits-finding-insureds-post-surgical-death-from-unintentional-narcotic-overdose-was-not-covered-under-the-policy/</loc>
		<lastmod>2026-05-12T06:28:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-long-term-disability-policys-three-month-contractual-limitations-provision-dismissing-plaintiffs-erisa-lawsuit-with-prejudice/</loc>
		<lastmod>2026-05-12T06:28:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-lincoln-nationals-denial-of-long-term-disability-benefits-after-in-person-examination-concluded-that-plaintiff-did-not-suffer-cognitive-impairment-precluding-work/</loc>
		<lastmod>2026-05-12T06:27:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-insurers-right-to-recover-overpaid-long-term-disability-benefits-based-on-award-of-social-security-disability-benefits/</loc>
		<lastmod>2026-05-12T06:27:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-insurers-application-of-erisa-disability-policys-pre-existing-condition-exclusion/</loc>
		<lastmod>2026-05-12T06:27:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-hartfords-denial-of-long-term-disability-benefits-for-claimant-with-sjogrens-disease/</loc>
		<lastmod>2026-05-12T06:27:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-erisa-insurers-denial-of-short-term-and-long-term-disability-benefits-due-to-lack-of-supporting-documentation/</loc>
		<lastmod>2026-05-12T06:27:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-discretionary-standard-of-review-and-upholds-unums-denial-of-erisa-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T06:26:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-affirms-denial-of-erisa-add-claim-finding-death-due-to-toxic-ingestion-of-prescribed-medication-was-subject-to-policys-sickness-exclusion/</loc>
		<lastmod>2026-05-12T06:26:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-adopts-interpretation-of-erisa-plan-requiring-first-unum-to-pay-higher-amount-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T06:26:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/district-court-finds-erisa-does-not-require-retroactive-reimbursement-of-tobacco-surcharges-in-wellness-program/</loc>
		<lastmod>2026-05-12T06:26:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/discovery-in-erisa-benefit-claims-what-courts-in-the-ninth-circuit-allow/</loc>
		<lastmod>2026-05-12T06:26:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/seventh-circuit-revives-erisa-claims-related-to-esop-purchase-of-company-at-allegedly-inflated-valuation-price/</loc>
		<lastmod>2026-05-12T06:26:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/diagnosis-is-not-always-sufficient-to-establish-a-disability/</loc>
		<lastmod>2026-05-12T06:25:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/departing-from-prior-panel-decisions-fourth-circuit-holds-surcharge-remedy-is-not-equitable-relief-available-under-erisa/</loc>
		<lastmod>2026-05-12T06:25:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/delaware-federal-court-upholds-denial-of-long-term-disability-benefits-despite-ssdi-award/</loc>
		<lastmod>2026-05-12T06:25:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/december-2016-final-rule-strengthens-consumer-protections-for-workers-requesting-disability-benefits-from-erisa-employee-benefit-plans/</loc>
		<lastmod>2026-05-12T06:24:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/d-c-circuit-vacates-withdrawal-liability-arbitration-award-based-on-application-of-risk-free-discount-rate/</loc>
		<lastmod>2026-05-12T06:24:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/d-c-circuit-reverses-denial-of-class-certification-of-fail-safe-class-in-erisa-pension-dispute/</loc>
		<lastmod>2026-05-12T06:24:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/d-c-circuit-holds-former-employee-cannot-re-litigate-erisa-claims-against-aarp/</loc>
		<lastmod>2026-05-12T06:09:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/d-c-circuit-affirms-denial-of-post-judgment-discovery-where-plaintiff-failed-to-raise-significant-questions-about-erisa-injunction-compliance/</loc>
		<lastmod>2026-05-12T06:09:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/d-c-circuit-affirms-denial-of-multiemployer-pension-plan-benefits-to-employee-not-deemed-a-participant-in-the-plan/</loc>
		<lastmod>2026-05-12T06:08:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/d-c-circuit-pension-benefit-guaranty-corporation-has-discretion-to-deny-pre-noit-lumpsum-distributions/</loc>
		<lastmod>2026-05-12T06:08:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-upholds-unums-denial-of-long-term-disability-benefits-for-river-pilot-claiming-long-covid-disability/</loc>
		<lastmod>2026-05-12T06:08:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-upholds-reliance-standards-denial-of-long-term-disability-benefits-to-surgeon-with-mental-impairments/</loc>
		<lastmod>2026-05-12T06:08:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-upholds-metlifes-decision-to-award-erisa-life-insurance-benefits-to-long-term-partner-over-parents/</loc>
		<lastmod>2026-05-12T06:08:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-upholds-hartfords-denial-of-accidental-death-benefits-after-employees-termination/</loc>
		<lastmod>2026-05-12T06:08:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-upholds-employers-denial-of-long-term-disability-benefits-and-rejects-fiduciary-exception-to-attorney-client-privilege/</loc>
		<lastmod>2026-05-12T06:08:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-rules-hartford-can-recoup-long-term-disability-benefit-overpayment-after-disabled-widows-benefit-goes-unoffset-for-four-years/</loc>
		<lastmod>2026-05-12T06:07:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-reverses-prudential-insurance-company-of-americas-termination-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T06:07:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-rejects-guardians-attempt-to-end-erisa-disability-lawsuit-early/</loc>
		<lastmod>2026-05-12T06:07:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-rejects-attorney-fee-claim-in-erisa-short-term-disability-case-after-post-litigation-payment/</loc>
		<lastmod>2026-05-12T06:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-recognizes-plausible-fiduciary-breach-based-on-failure-to-affirmatively-disclose-waiver-of-premium-life-insurance-benefit-in-special-circumstances/</loc>
		<lastmod>2026-05-12T06:07:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-partially-rejects-exhaustion-defense-in-erisa-fiduciary-breach-case/</loc>
		<lastmod>2026-05-12T06:06:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-partially-grants-discovery-in-erisa-disability-case-against-hartford-life/</loc>
		<lastmod>2026-05-12T06:06:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-orders-unum-to-pay-six-figures-in-attorneys-fees-for-wrongful-termination-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T06:06:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-orders-over-314000-in-attorneys-fees-and-more-than-740000-in-benefits-to-prevailing-plaintiff-in-erisa-long-term-disability-case-against-unum/</loc>
		<lastmod>2026-05-12T06:06:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-unums-use-of-nurse-review-to-deny-long-term-disability-claim-and-appeal-did-not-comport-with-erisa-regulations/</loc>
		<lastmod>2026-05-12T06:06:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-unum-improperly-rejected-plaintiffs-subjective-symptoms-in-erisa-ltd-claim-for-presumed-covid-19-disability/</loc>
		<lastmod>2026-05-12T06:06:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-that-the-risk-of-contracting-covid-19-and-unavailability-of-personal-protective-equipment-is-not-an-injury-or-illness-within-the-meaning-of-plaintiff-physicians-disability-policy/</loc>
		<lastmod>2026-05-12T06:06:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-reliance-standard-abused-its-discretion-in-failing-to-consider-long-term-disability-claimants-risk-of-future-harm-from-cardiac-condition/</loc>
		<lastmod>2026-05-12T06:05:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-pwc-partners-disability-coverage-falls-under-erisa-preempting-state-law-claims/</loc>
		<lastmod>2026-05-12T06:05:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-lina-abused-its-discretion-by-calculating-overtime-hours-at-base-pay-rate-rather-than-actual-regular-rate-used-by-employer/</loc>
		<lastmod>2026-05-12T06:05:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-insurers-termination-of-disability-benefits-arbitrary-and-capricious-due-to-procedural-irregularities/</loc>
		<lastmod>2026-05-12T06:05:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-hartford-improperly-denied-plaintiffs-ltd-claim-after-dismissing-both-objective-medical-evidence-and-plaintiffs-credible-subjective-symptoms/</loc>
		<lastmod>2026-05-12T06:04:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-hartford-abused-its-discretion-in-denying-attorneys-long-term-disability-claim-but-gives-hartford-second-bite-at-the-apple/</loc>
		<lastmod>2026-05-12T06:04:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-erisa-preempts-breach-of-contract-and-bad-faith-claims-in-dispute-over-disability-benefit-overpayment/</loc>
		<lastmod>2026-05-12T06:04:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-finds-cognitive-impairments-sufficient-to-satisfy-erisa-any-occupation-standard-despite-insurers-termination-of-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T06:04:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-dismisses-former-employees-contract-and-erisa-claims-as-unenforceable-and-time-barred/</loc>
		<lastmod>2026-05-12T06:04:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-denies-discovery-in-erisa-disability-benefits-case-against-unum/</loc>
		<lastmod>2026-05-12T05:57:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-awards-short-term-disability-benefits-against-intel-disability-plan-remands-long-term-disability-claim-after-finding-claims-administrator-abused-discretion-by-dismissing-treating-physicians-o/</loc>
		<lastmod>2026-05-12T05:57:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-awards-over-230000-in-attorneys-fees-to-prevailing-plaintiff-in-erisa-long-term-disability-case-against-first-unum/</loc>
		<lastmod>2026-05-12T05:57:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-awards-over-117000-in-attorneys-fees-and-costs-to-prevailing-plaintiff-in-erisa-ltd-case-against-unum/</loc>
		<lastmod>2026-05-12T05:57:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-allows-plaintiff-to-pursue-both-erisa-benefit-denial-and-fiduciary-duty-claims-against-metlife/</loc>
		<lastmod>2026-05-12T05:56:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-allows-hartford-to-pursue-summary-judgment-on-exhaustion-grounds-in-long-term-disability-case/</loc>
		<lastmod>2026-05-12T05:56:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-allows-erisa-fiduciary-breach-claim-over-life-insurance-continuation/</loc>
		<lastmod>2026-05-12T05:56:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-allows-erisa-claims-based-on-long-term-disability-premium-collection-without-evidence-of-insurability/</loc>
		<lastmod>2026-05-12T05:56:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/court-again-finds-reliance-standard-abused-its-discretion-in-failing-to-consider-long-term-disability-claimants-risk-of-future-harm-from-cardiac-condition/</loc>
		<lastmod>2026-05-12T05:56:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/claim-under-montanas-unfair-trade-practices-act-for-overcharge-on-medical-bill-is-preempted-by-erisa/</loc>
		<lastmod>2026-05-12T05:55:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/chronic-fatigue-syndrome-and-your-long-term-disability-claim/</loc>
		<lastmod>2026-05-12T05:55:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/central-district-of-california-grants-ltd-benefits-after-finding-metlife-ignored-credible-medical-evidence-of-long-haul-covid-disability/</loc>
		<lastmod>2026-05-12T05:55:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/central-district-of-california-affirms-termination-of-ltd-benefits-after-expiration-of-24-month-mental-disorder-limitation/</loc>
		<lastmod>2026-05-12T05:55:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/can-the-lack-of-a-diagnosis-prevent-you-from-receiving-long-term-disability-benefits/</loc>
		<lastmod>2026-05-12T05:55:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/can-insurance-companies-surveil-you-during-an-erisa-disability-claim/</loc>
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		<loc>https://robertsdisability.com/erisa-watch-february-8-2016/</loc>
		<lastmod>2024-09-19T16:25:50+00:00</lastmod>
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		<loc>https://robertsdisability.com/erisa-watch-november-16-2015/</loc>
		<lastmod>2023-08-24T16:11:37+00:00</lastmod>
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		<loc>https://robertsdisability.com/erisa-watch-february-22-2016/</loc>
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		<loc>https://robertsdisability.com/ERISA-watch-january-11-2016/</loc>
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		<loc>https://robertsdisability.com/ERISA-watch-may-31-2016/</loc>
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		<lastmod>2019-02-08T12:22:59+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-may-8-2014/</loc>
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		<loc>https://robertsdisability.com/ERISA-watch-may-29-2014/</loc>
		<lastmod>2019-02-01T13:07:05+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-july-31-2014/</loc>
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		<loc>https://robertsdisability.com/ERISA-watch-august-14-2014/</loc>
		<lastmod>2019-01-31T09:48:58+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-august-21-2014/</loc>
		<lastmod>2019-01-31T09:46:52+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-march-26-2015/</loc>
		<lastmod>2018-08-02T19:07:44+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-april-16-2015/</loc>
		<lastmod>2018-08-02T19:07:17+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-march-5-2015/</loc>
		<lastmod>2018-08-02T19:06:28+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-february-12-2015/</loc>
		<lastmod>2017-10-03T16:09:44+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-february-26-2015/</loc>
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		<loc>https://robertsdisability.com/ERISA-watch-june-25-2015/</loc>
		<lastmod>2017-09-29T16:12:10+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-august-20-2015/</loc>
		<lastmod>2017-09-29T15:43:23+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-july-9-2015/</loc>
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		<loc>https://robertsdisability.com/ERISA-watch-march-29-2016/</loc>
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		<loc>https://robertsdisability.com/ERISA-watch-april-26-2016/</loc>
		<lastmod>2017-09-29T00:41:49+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-july-17-2014/</loc>
		<lastmod>2017-07-25T16:40:09+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-october-16-2014/</loc>
		<lastmod>2017-07-25T16:39:16+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-november-6-2014/</loc>
		<lastmod>2017-07-25T16:38:55+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-july-16-2015/</loc>
		<lastmod>2017-07-25T16:38:04+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-october-19-2015/</loc>
		<lastmod>2017-07-25T16:37:30+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-november-2-2015/</loc>
		<lastmod>2017-07-25T16:36:30+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-february-1-2016/</loc>
		<lastmod>2017-07-25T16:35:20+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-december-4-2014/</loc>
		<lastmod>2017-02-01T12:17:37+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-february-15-2016/</loc>
		<lastmod>2017-01-07T10:06:25+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-august-7-2014/</loc>
		<lastmod>2016-06-28T06:06:17+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-december-20-2014/</loc>
		<lastmod>2016-06-28T05:59:05+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-december-11-2014/</loc>
		<lastmod>2016-06-28T05:44:59+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-november-26-2014/</loc>
		<lastmod>2016-06-28T05:43:35+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-november-13-2014/</loc>
		<lastmod>2016-06-28T05:42:26+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-october-30-2014/</loc>
		<lastmod>2016-06-28T05:40:41+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-october-23-2014/</loc>
		<lastmod>2016-06-28T05:39:55+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-october-9-2014/</loc>
		<lastmod>2016-06-28T05:38:32+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-october-4-2014/</loc>
		<lastmod>2016-06-28T05:37:49+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-october-2-2014/</loc>
		<lastmod>2016-06-28T05:31:23+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-september-25-2014/</loc>
		<lastmod>2016-06-28T05:27:44+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-september-18-2014/</loc>
		<lastmod>2016-06-28T05:25:36+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-september-11-2014/</loc>
		<lastmod>2016-06-28T05:25:18+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-august-28-2014/</loc>
		<lastmod>2016-06-28T05:24:29+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-july-24-2014/</loc>
		<lastmod>2016-06-28T05:17:05+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-december-24-2014/</loc>
		<lastmod>2016-06-24T16:04:58+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-december-31-2014/</loc>
		<lastmod>2016-06-24T16:04:51+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-january-22-2015/</loc>
		<lastmod>2016-06-24T16:03:51+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-january-29-2015/</loc>
		<lastmod>2016-06-24T16:03:45+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-february-5-2015/</loc>
		<lastmod>2016-06-24T16:03:37+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-february-19-2015/</loc>
		<lastmod>2016-06-24T16:02:51+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-march-12-2015/</loc>
		<lastmod>2016-06-24T16:02:31+00:00</lastmod>
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		<loc>https://robertsdisability.com/ERISA-watch-march-19-2015/</loc>
		<lastmod>2016-06-24T16:02:21+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-april-23-2015/</loc>
		<lastmod>2016-06-24T16:02:00+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-april-9-2015/</loc>
		<lastmod>2016-06-24T16:01:03+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-may-21-2015/</loc>
		<lastmod>2016-06-24T16:00:19+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-may-28-2015/</loc>
		<lastmod>2016-06-24T16:00:14+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-may-7-2015/</loc>
		<lastmod>2016-06-24T15:59:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-june-4-2015/</loc>
		<lastmod>2016-06-24T15:58:06+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-june-18-2015/</loc>
		<lastmod>2016-06-24T15:57:35+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-july-2-2015/</loc>
		<lastmod>2016-06-24T15:56:57+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-january-8-2015/</loc>
		<lastmod>2016-06-24T15:17:25+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-january-15-2015/</loc>
		<lastmod>2016-06-24T15:17:09+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-july-23-2015/</loc>
		<lastmod>2016-06-24T15:15:57+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-july-30-2015/</loc>
		<lastmod>2016-06-24T15:15:50+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-november-30-2015/</loc>
		<lastmod>2016-06-24T15:15:04+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-december-7-2015/</loc>
		<lastmod>2016-06-24T15:14:57+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-december-28-2015/</loc>
		<lastmod>2016-06-24T15:14:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-january-4-2016/</loc>
		<lastmod>2016-06-24T15:14:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-january-18-2016/</loc>
		<lastmod>2016-06-24T15:13:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-january-25-2016/</loc>
		<lastmod>2016-06-24T15:13:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-march-14-2016/</loc>
		<lastmod>2016-06-24T15:12:56+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-december-18-2014/</loc>
		<lastmod>2016-06-24T04:13:27+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-may-14-2015/</loc>
		<lastmod>2016-06-24T04:13:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-april-30-2015/</loc>
		<lastmod>2016-06-24T04:13:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-june-5-2014/</loc>
		<lastmod>2016-06-24T00:33:49+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-june-26-2014/</loc>
		<lastmod>2016-06-24T00:33:35+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-may-15-2014/</loc>
		<lastmod>2016-06-24T00:32:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-july-10-2014/</loc>
		<lastmod>2016-06-24T00:30:45+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-june-12-2014/</loc>
		<lastmod>2016-06-24T00:25:51+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-june-19-2014/</loc>
		<lastmod>2016-06-24T00:25:31+00:00</lastmod>
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	<url>
		<loc>https://robertsdisability.com/ERISA-watch-july-3-2014/</loc>
		<lastmod>2016-06-24T00:25:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-august-6-2015/</loc>
		<lastmod>2016-06-22T15:52:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-august-13-2015/</loc>
		<lastmod>2016-06-22T15:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-august-27-2015/</loc>
		<lastmod>2016-06-22T15:22:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-september-3-2015/</loc>
		<lastmod>2016-06-22T15:20:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-september-7-2015/</loc>
		<lastmod>2016-06-22T15:11:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-september-28-2015/</loc>
		<lastmod>2016-06-22T15:10:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-september-14-2015/</loc>
		<lastmod>2016-06-22T15:09:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-september-21-2015/</loc>
		<lastmod>2016-06-22T15:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-october-5-2015/</loc>
		<lastmod>2016-06-22T03:15:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-october-12-2015/</loc>
		<lastmod>2016-06-22T03:14:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-october-26-2015/</loc>
		<lastmod>2016-06-22T02:36:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-november-9-2015/</loc>
		<lastmod>2016-06-22T02:34:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-february-29-2016/</loc>
		<lastmod>2016-06-22T02:11:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-march-7-2016/</loc>
		<lastmod>2016-06-22T02:03:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-march-22-2016/</loc>
		<lastmod>2016-06-22T02:01:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-april-5-2016/</loc>
		<lastmod>2016-06-22T01:43:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-may-3-2016/</loc>
		<lastmod>2016-06-22T01:27:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-may-10-2016/</loc>
		<lastmod>2016-06-22T01:25:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-may-17-2016/</loc>
		<lastmod>2016-06-22T01:19:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-may-24-2016/</loc>
		<lastmod>2016-06-22T01:09:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-june-7-2016/</loc>
		<lastmod>2016-06-22T01:04:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-november-23-2015/</loc>
		<lastmod>2016-06-18T07:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://robertsdisability.com/ERISA-watch-december-14-2015/</loc>
		<lastmod>2016-06-18T06:58:29+00:00</lastmod>
	</url>
</urlset>
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