United States Supreme Court

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Heimeshoff v. Hartford Life & Accident Insurance Co., 12-729

Dismissal of a petition for review of an ERISA plan administrator's denial of long-term disability benefits claim is affirmed, where: 1) the plan required any suit to recover benefits to be filed within three years after "proof of loss" was due; 2) petitioner filed the petition more than three years after proof of loss was due but less than three years after the final denial; and 3) the plan's limitations provision is enforceable because absent a controlling statute to the contrary, a participant and a plan may agree by contract to a particular limitations period, even one that starts to run before the cause of action accrues, as long as the period is reasonable.

Appellate Information

  • Decided 12/16/2013
  • Published 12/16/2013




  • United States Supreme Court