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CISNEROS v. UNUM LIFE INS. CO. OF AMERICA

No. 95-56179.

115 F.3d 669 (1997)

Michelle CISNEROS, Plaintiff-Appellant, v. UNUM LIFE INSURANCE COMPANY OF AMERICA and 1 through 50, inclusive, Defendants-Appellees.

United States Court of Appeals, Ninth Circuit.

Decided May 30, 1997.

Attorney(s) appearing for the Case

Jeffrey C. Metzger, Law Offices of Jeffrey C. Metzger, Laguna Hills, California, for the plaintiff-appellant.

Russell G. Petti, Bannan, Green, Smith & Frank, Los Angeles, California (argued), and Margaret Levy and Allison B. Gruettner, Adams, Duque & Hazeltine, Los Angeles, California (on the briefs), for the defendant-appellee.

Before: FLETCHER and TROTT, Circuit Judges, and JENKINS, Senior District Judge.

OPINION

TROTT, Circuit Judge:

OVERVIEW

Michelle Cisneros brought this action to recover long-term disability benefits under an ERISA-governed insurance policy (the "Policy") issued by UNUM Life Insurance Company ("UNUM"). The district court entered summary judgment in favor of UNUM on the ground that Cisneros's proof-of-claim was untimely under the Policy terms. We agree with the district court's conclusion that Cisneros failed to comply with the...

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