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Ninth Circuit: Disability Insurer's 3-Year Limit on Lawsuits Waived Because Denial Did Not Use Contractual Terms (PDF)
U.S. Court of Appeals for the Ninth Circuit, via FindlawLink to more items from this source
[Opinion]
June 17, 2002

7 pages. Mogck v. UNUM Life Insurance Co. of America, No. 00-56797 (9th Cir. Jun. 10, 2002). Excerpt: [B]ecause Unum drafted certain terms regarding the time limits on legal actions, but did not utilize those terms at all in its correspondence with [plaintiff] Mogck, the policy's time limitation provision was never rendered operative.

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