SCOTUSblog: Heimeshoff v. Hartford Life & Accident Insurance Co. and Wal-Mart Stores, Inc.
Argument: Oct 15 2013 (Aud.)
Background: Heimeshoff filed for long-term disability benefits under Employee Retirement Income Security Act (ERISA), but the insurance company denied her claim. The District Court then dismissed her complaint because it fell outside of the insurance policy's three-year statute of limitations period. Heimeshoff alleged that the statute of limitations should not have run until her claim was denied by the insurance company; on the other hand the insurance company's plan provided that its three-year limitations period ran from the time that proof of loss was due under the plan (an earlier period). The Second Circuit affirmed.
Issue: The question before the Court is when should a statute of limitations accrue for judicial review of an disability adverse benefit determination under the Employee Retirement Income Security Act?