MEMORANDUM OPINION
CACHERIS, Chief Judge.
Plaintiff James G. Snead ("Snead") filed this action against Defendant UNUM Life Insurance Company of America ("UNUM") pursuant to the Employee Retirement Income Security Act of 1974 ("ERISA"), 29 U.S.C. § 1001 et seq. (1992). Snead claims entitlement to present and future disability benefits under the terms of group long-term disability Policy No. 14133 ("the policy") issued by UNUM to Snead's...
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