(February 10, 2016, 1:08 PM EST) -- GREENVILLE, S.C. — Because substantial evidence did not exist to support a disability insurer’s denial of long-term benefits, the insurer should have conducted a complete functional capacity evaluation (FCE) or an independent medical examination (IME) of the disability claimant, a South Carolina federal judge said Feb. 8 in remanding the claimant’s suit for a full review (Ralph J. Tortora v. Hartford Life and Accident Insurance Co., No. 15-2471, D. S.C.; 2016 U.S. Dist. LEXIS 14884)....