EVANS, Circuit Judge.
In 1989, when he was 27 years old, Charles Jenkins started working as a "Senior Account Consultant" for PricewaterhouseCoopers LLP (PwC). His tenure with the company was cut short four years later when he ceased working due to HIV. In 1994, he started receiving long-term disability benefits under a PwC plan governed by the Employee Retirement Income Security Act (ERISA), 29 U.S.C. § 1001 et seq. After making payments for a decade...
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