This is the second of a two-part column. The first part was published on Wednesday. In Part 1 of this column, we discussed a disability income insurance claim filed by Dr. Kevin McCann and the ruling issued by the 3rd U.S. Circuit Court of Appeals, focusing on the ERISA aspects of the case. In Part 2, we turn to the merits of the dispute.The court explained there were three questions presented:What was McCann’s &ldquo …