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Benefit Denial Letters: Include the Time Limit for Judicial Review or Lose Contractual Limitations Defense
Lane Powell PC Link to more items from this source
Aug. 14, 2014
"If your denial letter fails to expressly state the contractual limitations timeframe, it might not preserve that defense.... [A federal district court dismissed the complaint] because the plan contained a three-year limitations period for filing suit. The Plan provided constructive notice of the time limit.... [On appeal, the 6th Circuit held that the] 'failure to include the judicial review time limits in the adverse benefit determination letter renders the letter not in substantial compliance with [ERISA] Section 1133.'" [Moyer v. Metropolitan Life Ins. Co., No. 13-1396 (6th Cir. Aug. 7, 2014)]

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