ERISA Statute of Limitations by State

 

Federal ERISA Cases

Redman v. Sud Chemie, Inc. Retirement Plan for Union Emps., 547 F.3d 531 (6th Cir. 2008); Withrow v. Halsey, 655 F.3d 1032 (9th Cir. 2011)– courts borrow the most closely analogous statute of limitations from the forum state, which in most cases is the limitations period that governs written contracts.

Miller v. Fortis Benefits Co., 475 F.3d 516, 520 (3d Cir. 2007)– federal law determines when the limitations period begins to accrue.

Carey v. Intern’l Bd. of Elec. Workers Local 363 Pension Plan, 201 F.3d 44 (2d Cir. 1999); Miller v. Fortis Benefits Ins. Co., 475 F.3d 516 (3d Cir. 2007); Kingsbury v. Marsh & McLennan Co., Inc., 2011 U.S. Dist. LEXIS 9525 (D. Mass. Feb. 1, 2011)– a cause of action accrues when a plan clearly and unequivocally repudiates a plaintiff’s claim for benefits and that repudiation is known, or should be known, to the plaintiff.

Wang Laboratories, Inc. v. Kagan, 990 F.2d 1126, 1129 (9th Cir.1993)–However, courts will enforce choice of law provisions in ERISA plans if they are not “unreasonable or fundamentally unfair … viewed from the time when the contract was made, when a particular individual could not know whether he would be a litigant.”

ERISA Statute of Limitations by State

1. Alabama—6 years per Ala. Code § 6-2-2 et seq.
McCall ex rel. McCall v Household Finance Corp. WL 765590 (Ala. Civ. App 2013).
2. Alaska—3 years per Alaska Stat. § 09.10.010 et seq.
Brannon v Continental Cas. Co. 137 P.3d. 280, (Alaska 2006).
3. Arizona—6 years per Ariz. Rev. Stat. Ann. § 12-541 et seq.
La Canada Hills LTD Partnership v Kite 217 Ariz 126, 171 P.3d. 195 (Ariz App. Div. 2, 2007)
4. Arkansas—5 years per Ark. Code Ann. § 16-56-101 et seq.
Kassees v Satterfield 2009 Ark 91, 303 S.W. 3d. 42, (Ark 2009)
5. California—4 years per Cal. Civ. Proc. Code § 312 et seq.
Zamora v Lehman 214 Cal. App. 4th 193, 154 Cal. Rptr. 3d. 724 (Cal. App. 2 Dist. 2013)
6. Colorado—6 years per Colo. Rev. Stat. § 13-80-102 et seq.
Goeddel v Aircraft Finance, Inc. 152 Colo. 419, 382 P.2d. 812 (Colo. 1963)
7. Connecticut—6 years per Conn. Gen. Stat. Ann. § 52-575 et seq.
Amoco Oil Co. v Liberty Auto & Elec. Co. 262 Conn. 142, 810 A.2D. 259 (Conn. 2002)
8. Delaware—3 years per Del. Code Ann. tit. 10, § 8101 et seq.
Eden v Oblates of St. Francis de Sales 2006 WL 3512482 (Del. Super. 2006)
9. District of Columbia—3 years per D.C. Code § 12-301 et seq.
Fowler v A&A Co. 262 A. 2d. 344 (D.C. App. 1970)
10. Florida—5 years per Fla. Stat. Ann. § 95.011 et seq.
Delco Oil Inc. v Pannu 856 So. 2d. 1070 (Fl. App. 5 Dist. 2003)
11. Georgia—6 years per Ga. Code Ann. § 9-3-20 et seq.
Scully v First Magnolia Homes 279 Ga. 336, 614 S.E. 2d. 43 (Ga. 2005)
12. Hawaii—6 years per Haw. Rev. Stat. § 657-1 et seq.
Gomez v American Airlines, Inc. 111 Hawaii 67, 137 P.3d. 381 (Hawaii App. 2006)
13. Idaho—5 years per Idaho Code § 5-201 et seq.
Farber v Idaho State Ins. Fund 152 Idaho 495, 272 P.3d. 467 (Idaho 2012)
14. Illinois—10 years per 735 Ill. Comp. Stat. 5/13-201 et seq.
Newell v Newell 406 Ill. App. 3d. 1046, 942 N.E. 2d. 776 (Ill. App. 3 Dist. 2011)
15. Indiana—10 years per Ind. Code Ann. § 34-11-2-1 et seq.
Meisenhelder v Zipp Exp,Inc. 788 N.E. 2d. 924 (Ind. App. 2003)
16. Iowa—10 years per Iowa Code Ann. § 614.1 et seq.
Local Union No. 90 v White 333 N.W. 2d. 839 (Iowa 1983)
17. Kansas—5 years per Kan. Stat. Ann. § 60-501 et seq.
Dunn v Dunn 47 Kan App 2d. 619, 281 P. 3d. 540 (Kan. App. 2012)
18. Kentucky—15 years per Ky. Rev. Stat. Ann. § 413.080 et seq.
Metro Louisville/Jefferson County Government v Abma 326 S.W.3d. 1 (Ky App. 2009)
19. Louisiana—10 years per La. civil code § 3492 et seq
Roche v Jefferson Davis Elec Co-op, Inc. 922 So. 2d. 759 (LA App. 3 Cir. 2006)
20. Maine—6 years per Me. Rev. Stat. Ann. tit. 14, § 751 et seq.
Tornesello v Tisdale 948 A.2d. 1244 (ME 2008)
21. Maryland—3 years per Md. Courts & Jud. Proc. Code Ann. § 5-101 et seq.
Singer Co Link Simulation Systems Div. v Baltimore Gas & Elect. Co. 79 Md. App. 461, 558 A.2d. 419 (Md. App. 1989)
22. Massachusetts—6 years per Mass. Ann. Laws ch. 260, § 1 et seq.
Massachusetts Housing Opportunities Corp. v Whitman & Bingham 83 Mass App. Ct. 325, 983 N.E. 2d. 734 (Mass. App. Ct. 2013)
23. Michigan—6 years per Mich. Comp. Laws § 600.5801 et seq.
Family Fare LLC v Universal Land Co. 2012 WL 206403 (Mich. App. 2012)
24. Minnesota—6 years per Minn. Stat. Ann. § 541.01 et seq.
Estate of Riedel by Mirick v Lifecare Retirement Communities Inc. 505 N.W. 2d. 78 (Minn. App. 1993)
25. Mississippi—6 years per Miss. Code. Ann. § 15-1-1 et seq.
Townes v Rusty Ellis Builder, Inc. 98 So. 3d. 1046 (Miss 2012)
26. Missouri—5 years per Mo. Rev. Stat. § 516.097 et seq.
Hughes Development Co. v Omega Realty Co. 951 S.W. 2d. 615 (Mo. 1997)
27. Montana—8 years per Mont. Code Ann. § 27-2-2021 et seq.
Tin Cup County Water &/or Sewer Dist. V Garden City Plumbing & Heating Inc. 347 Mont 468, 200 P. 3d. 60 (Mont. 2008)
28. Nebraska—5 years per Neb. Rev. Stat. § 25-201 et seq.
Anderson v AMW, Inc. 266 Neb 238, 665 N.W. 2d. 1 (Neb. 2003)
29. Nevada—6 years per Nev. Rev. Stat. Ann. § 11.010 et seq.
Grayson v State Farm Mut. Auto Ins. 114 Nev. 1379, 971 P. 2d. 798 (Nev. 1998)
30. New Hampshire—3 years per N.H. Rev. Stat. Ann. § 508:1 et seq.
Coyle v Battles 147 N.H. 98, 782 A. 2d. 902 (N.H. 2001)
31. New Jersey—6 years per N.J. Stat. Ann. § 2a:14-1 et seq.
Raskin v Shulton Inc. 92 N.J. Super. 315, 223 A 2d. 284 (N.J. Super. AD 1966)
32. New Mexico—6 years per N.M. Stat. Ann. § 37-1-1 et seq.
Brooks v State Farms Ins. Co., 141 N.M. 322, 154 P.3d. 697 (N.M. App. 2007)
33. New York—6 years per N.Y. Civ. Prac. Laws & Rules § 201 et seq.
Novita LLC v 307 West Restaurant Corp. 35 A.D. 3d. 234, 828 N.Y.S. 2d.5 (N.Y. A.D. 1 Dept. 2006)
34. North Carolina—3 years per N.C. Gen. Stat. § 1-46 et seq.
Hardin v York Memorial Park 730 S.E. 2d. 768 N.C. App. 2012
35. North Dakota—6 years per N.D. Cent. Code § 28-01-01 et seq.
Dimond v State ex rel. State Bd. Of Higher Educ. 637 N.W. 2d. 692, 160 Ed. Law Rep. 583, 2001 N.D. 208
36. Ohio—8 years per Ohio Rev. Code Ann. § 2305.03 et seq.
Schafer v Newman Ins. Agency 2013 WL 967793 (Ohio App. 2013)
37. Oklahoma—5 years per Okla. Stat. Ann. tit. 12, § 91 et seq.
Britt v Promise Redeemer, LLC. 268 P. 3d. 542, 2011 Ok. Civ. App. 120
38. Oregon—6 years per Or. Rev. Stat. § 12.010 et seq.
CACV of Colorado, LLC v Stevens 248 Or. App. 2024, 274 P. 3d. 859 (Or. App. 2012)
39. Pennsylvania—4 years per 42 Pa. Cons. Stat. Ann. § 5501 et seq.
Millan v Petsmart Store No. 580 WL 2065405 (Pa Com Pl 2006)
40. Rhode Island—10 years per R. I. Gen. Laws § 9-1-12 et seq.
Harodite Industries, Inc. v Warren Elec. Corp. 24 A. 3d. 514 (R.I. 2011)
41. South Carolina—3 years per S.C. Code Ann. § 15-3-510 et seq.
Carolina Marine Handling Inc. v Lasch 363 S.C. 169, 609 S.E. 2d. 548 (S.C. App. 2005)
42. South Dakota—6 years per S.D. Codified Laws Ann. § 15-2-1 et seq.
Green v Siegel, Barnett, & Schutz 557 N.W. 2d. 396 (S.D. 1996)
43. Tennessee—6 years per Tenn. Code Ann. § 28-3-101 et seq.
House v Edmondson 2006 WL 1328810 (Tenn. Ct. App. 2006)
44. Texas—4 years per Tex. Civ. Prac. & Rem. Code § 16.001 et seq.
Alter v Gaither WL 671253 (Tex. App. Hous. 14 Dist. 1996)
45. Utah—6 years per Utah Code Ann. § 78-12-22 et seq.
Clarke v Living Scriptures, Inc. 114 P.3d. 602 (Utah App. 2005)
46. Vermont—6 years per Vt. Stat. Ann. tit. 12, § 461 et seq.
Lamell Lumber Corp. v New Stress Intern, Inc. 182 Vt 282, 938 A. 2d. 1215, 63 UCC Rep Serv 2d. 889, 2007 Vt 83
47. Virginia—5 years per Va. Code Ann. § 8.01-228 et seq.
Richmond Metropolitan Auth. V McDeritt St. Bouis, Inc. 42 Va Cir. 243, 1997 WL 1070588 (Va Cir Ct 1997)
48. Washington—6 years per Wash. Rev. Code Ann. § 4.16.005 et seq.
Schwindt v Common Wealth Ins. Co. 140 Wash. 2d. 348, 997 P.2d. 353 (Wash. 2000)
49. West Virginia—10 years per W. Va. Code § 55-2-1 et seq.
Vorholt v One Valley Bank 201 W.Va. 480, 498 S.E. 2d. 241 (W.Va. 1997)
50. Wisconsin—6 years per Wis. Stat. Ann. § 893.01 et seq.
Lovett v Mt. Senario College Ins. 154 Wis. 2d. 831, 454 N.W. 2d. 356 (Wis. App. 1990)
51. Wyoming—10 years per Wyo. Stat. § 1-3-102 et seq.
Swinney v Jones 199 P. 3d.512 (Wyo. 2008)