SEATTLE - The State of Washington's discretionary clause ban applies to any final denial of benefits that occurs after the ban's effective date, even if the plan under which the denial was issued took effect before the ban's effective date, a federal judge in Washington ruled Jan. 29 in ruling that de novo review applied to a denial of disability benefits under a plan governed by the Employee Retirement Income Security Act (Korri Marie Treves, et al. v. Union Security Insurance Company, LLC, et al., No. 12-1337, W.D. Wash.; 2014 U.S. Dist. LEXIS 11905).