Supreme Court of Colorado February 12, 2018, Supreme Court Case Nos. 15SC801; 16SC163 (Burton v. Colo. Access)

JUSTICE HOOD delivered the Opinion of the Court.

¶ 1 Caroline Burton and Brenda Olivar submitted claims for long-term disability benefits to insurance companies under employee-benefits plans set up by their employers ("the Plans"). Both Burton's and Olivar's employers created the Plans by purchasing long-term disability policies from insurance companies.