Mealey's (April 4, 2023, 8:46 AM EDT) -- WASHINGTON, D.C. — A disability insurer properly denied a claim for long-term disability (LTD) benefits because the policy’s preexisting condition exclusion applied even if the effective date of the policy was the date on which the claimant argued that the policy was effective, a District of Columbia federal judge said in granting judgment in favor of the disability insurer....