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In Kim v. The Guardian Life Insurance Company of America, No. 823CV01579DOCADS, 2024 WL 2106240 (C.D. Cal. May 9, 2024), California Central District Judge David O. Carter granted judgment to Plaintiff finding that Guardian had improperly determined that Plaintiff’s long-term disability (“LTD”) claim was excluded from coverage based on the LTD policy’s pre-existing condition