(August 16, 2019, 10:52 AM EDT) -- CHICAGO — An Illinois federal judge on Aug. 15 determined that an arbitrary and capricious standard of review must be applied to a disability dispute because the plan’s discretionary clause is valid and enforceable (Kathleen A. Brubaker v. The Hartford Life and Accident Insurance Co., No. 18-4995, N.D. Ill., 2019 U.S. Dist. LEXIS 137777)....