Opinion for the Court filed by Circuit Judge TATEL.
TATEL, Circuit Judge:
Suffering from severe arthritis and unable to perform her job as a nurse, appellant applied for long-term disability benefits pursuant to a plan funded and administered by appellee Aetna Life Insurance Company. Through a computer-generated form letter, Aetna informed appellant that it had denied her claim because of a "lack of sufficient clinical information." The denial notice also...
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