The Hartford Financial Services Group' logo. The Hartford Financial Services Group’ logo.

A three-judge panel of the U.S. Court of Appeals for the Second Circuit on Tuesday found that a man seeking long-term disability benefits under the Employee Retirement Income Security Act can proceed with his suit because The Hartford Life and Accident Insurance Company failed to provide a final decision on his benefits within 45 days of his administrative appeal, in violation of ERISA regulations.

The appellate ruling reverses the decision of U.S. District Judge Joanna Seybert of the Eastern District of New York, who granted The Hartford’s motion to dismiss on the grounds that the plaintiff, John McQuillin, did not exhaust his administrative remedies.

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