LAY, Circuit Judge.
Carol Knight Jackson worked for the Minnesota State Employees Union AFSCME Council No. 6 from 1986 until mid-1995. As an AFSCME employee, she participated in a qualified ERISA long-term disability plan, which was underwritten by Fortis Benefits Insurance Company ("Fortis").
The plan requires Fortis to pay disability benefits upon receipt of "proof that [the claimant] is totally disabled due to sickness or injury and requires the regular...
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