"[T]he Tenth Circuit ... construed the ambiguous term ... to mean a 'current employee' rather than endorsing Reliance's proposed definition of an employee 'actually working' 'full time.' Because there was no dispute that Carlile was currently employed as of the date of his disability, which was prior to the effective date of his termination, the court affirmed the judgment of LTD benefits in Carlile's favor." [Carlile v. Reliance Standard Life Ins. Co., Nos. 19-4123, 20-4005 (10th Cir. Feb. 22, 2021)]  MORE >>