BOSTON - Because a short-term disability (STD) benefits recipient did not pursue the review process available after her insurer terminated benefits payments, a Massachusetts federal judge on Dec. 9 found that her claims against her insurer and employer must be dismissed per the Employee Retirement Income Security Act (Linda Pingiaro v. Standard Insurance Co., et al., No. 1:13-cv-10094, D. Mass.; 2013 U.S. Dist. LEXIS 172690).