CUDAHY, Circuit Judge.
For nearly two years, Faith Wilczynski collected long-term disability benefits from Kemper Insurance, her former employer, because her medical condition rendered her unable to work. When her benefits were terminated on the ground that she was no longer disabled, Wilczynski failed to return to work and in due course was discharged from Kemper's employ. Wilczynski filed suit under the Employee Retirement Income Security Act (ERISA), see
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