Gwendolyn Whitley v. Standard Insurance Company

LOKEN, Circuit Judge.

In February 2011, Dr. Gwendolyn Whitley was involved in a roll-over car accident, suffering a serious head injury. Board certified in family medicine, Dr. Whitley had worked as an emergency room physician at Lake Region Hospital (“Lake Region”) in Fergus Falls, Minnesota, in the twenty-four months preceding the accident. She returned to work full-time from March 16 through March 24, but fatigue and short-term memory issues forced her to stop. On June 28, she filed a claim for long-term disability (“LTD”) benefits under Lake Region’s Group Long Term Disability Insurance…