ORDER
Appellee's request for publication, Ninth Cir. R. 36-4, is granted and the memorandum filed October 31, 1996, is redesignated as an authored opinion by Judge Tashima.
OPINION
TASHIMA, Circuit Judge:
I
Plaintiff Jalal Sarraf ("Sarraf") initiated this action to recover long-term disability benefits under a group insurance policy ("LTD policy" or "LTD plan") issued by defendant Standard Insurance Company ("Standard") to the...
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