(February 9, 2017, 1:06 PM EST) -- KALAMAZOO, Mich. — A Michigan federal judge on Feb. 8 reversed a disability insurer’s denial of benefits after determining that the insurer failed to provide any reasonable explanation for disregarding the only assessment, made by the claimant’s treating physician, of the claimant’s functionality (Mary Beth Tobin v. Hartford Life and Accident Insurance Co., No. 14-187, W.D. Mich., 2017 U.S. Dist. LEXIS 17455)....