Demer IBM MetLife "Ninth Circuit" LTD "long term disability" "arbitrary and capricious" "outside medical reviewers"

So the other particularly fascinating item – to me, anyway – that popped up in my twitter feed while I was on vacation was this important decision by the Ninth Circuit, Demer v. IBM and MetLife, addressing whether (and, if so, how) the number of reviews done by, and compensation earned by, outside medical