In a dispute involving long-term disability benefits under a plan governed by the Employee Retirement Income Security Act of 1974 (ERISA), the US Court of Appeals for the Second Circuit concluded that a benefit determination on administrative review under the Department of Labor's (DOL) claims regulations must decide with finality whether a claimant is entitled to benefits. The court rejected the insurer's argument that the DOL's regulations afforded the insurer flexibility and additional time to remand the matter for further internal consideration.

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