The US Court of Appeals for the First Circuit has held that the insurer for an employer's long-term disability (LTD) plan was required, under the Department of Labor's (DOL's) claims procedure regulations, to furnish a claimant (on request) a doctor's report generated after the insurer's initial denial of LTD benefits. The court concluded that the insurer needed to furnish the report to the claimant before making its final benefits decision, give the claimant an opportunity to respond to the report, and consider the claimant's response in making its final benefits decision.