ERISA requires that plans contain a reasonable claims procedure. Courts have generally required claimants to exhaust that claims procedure before filing a lawsuit.
http://www.jdsupra.com/legalnews/it-pays-to-add-a-statute-of-limitations-02352/
http://www.jdsupra.com/legalnews/it-pays-to-add-a-statute-of-limitations-02352/
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