LOKEN, Circuit Judge.
Pamela Wilkins terminated her employ as a Wal-Mart Stores supervisor and applied for disability benefits under a group disability plan covering Wal-Mart employees (the "Plan"). The Plan grants its administrator, Hartford Life and Accident Insurance Company, "full discretion" to determine eligibility for benefits. Hartford initially granted Mrs. Wilkins weekly benefits but then denied her claim for long-term benefits. Nearly five years later,...
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