When is an ERISA claim timely? 
 
You need to look at: the state statute of limitations, the limitations provisions in the plan, and… when the claim “accrues.”
 
BUT… Is there a difference when the claim involves just the calculation of the benefit, rather than whether the claimant is entitled to a benefit at all? Yes.

Here is a case update on two important ERISA issues:
 
1. Does “conflict of interest” apply to third-party administrators of self-funded plans?  Claimants may argue that de novo review applies to third party claim administrators (TPA) of self-funded plans due to a conflict of interest. 
 
They will claim the TPA is in such a “competitive

So who is a proper defendant in an ERISA benefits case? BIG NEWS: The answer just changed in the Ninth Circuit.

The Ninth Circuit just overruled Everhart v. Allmerica Financial Life Insurance Co., 275 F.3d 751 (9th Cir. 2011) and other cases, which limited proper defendants to plans and plan administrators.

In the Ninth Circuit,

What Plan Language do You Need to Confer Discretionary Review?

Do you get discretionary standard of review if the plan states: “Written or authorized electronic proof of loss SATISFACTORY TO US must be given to Us at Our office, within 90 days of the loss for which claim is made.”

You would likely have discretionary

If you practice in the Ninth Circuit, you’ll want to read this one.

Is it an abuse of discretion if the plan fails to have an Independent Medical Examination which includes a “personal examination”?

Until now there has been no Ninth Circuit case stating that the plan abused discretion by failing to have a physician’s

How important is it to produce an accurate, identical administrative record?

Pretty important. Producing an inconsistent administrative record may result in a court ordering discovery outside the administrative record.

Here’s the case of Pediatric Special Care, Inc. v. United Medical Resources and Darnden Restaurants, 2011 WL 133038 (E.D. Mich. January 14, 2011)(Producing different versions