In a decision that could potentially have wide-reaching effects, the U.S. Court of Appeals for the Third Circuit has ruled that ERISA plan administrators must specifically state contractual time limits for seeking judicial review in their benefit denial letters or forfeit the ability to fend off claimants’ suits as time-barred.
In Mirza v. Insurance Administrator of America, the court followed both the First and Sixth circuit appeals courts in determining that the notice provisions of the Employee Retirement Income Security Act of 1974 require plan administrators to include litigation time limits in their denial letters.
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