Peralta v. Hispanic Business, Inc., 419 F.3d 1064 (9th Cir. 2005)
Carmen Peralta worked as a special events manager for Hispanic Business, Inc. (HBI). Between January 1, 1999 and July 2000, HBI provided a long-term disability (LTD) insurance policy to its employees, including Peralta. In July 2000, HBI cancelled the LTD policy; in October 2000, Peralta was injured in an automobile accident in which