(December 1, 2020, 9:15 AM EST) -- HUNTSVILLE, Ala. — An Alabama federal judge on Oct. 13 granted a disability insurer’s motion for judgment on the administrative record after determining that the insurer properly denied a claim for long-term disability (LTD) benefits because the claimant did not exhaust her short-term disability (STD) benefits as required by the plan (Holly Naomi Simmons v. Sun Life Assurance Company of Canada, et al., No. 19-395, N.D. Ala., 2020 U.S. Dist. LEXIS 221534)....