affectappealappellantarguesattorneybasedbenbenefitscircuitclaimclaimantclaimscompaniescompanyconditionscourtdecisiondenialsdenieddisableddistrictdoctorevidenceglasshappenshartfordlawsuitlincolnlongmedicalmonthpoliciesrecordreinstatingreliancereviewseverestandardstatussyndrometermterminateterminationtreatingworkyears