Opinion by Judge WIGGINS; Dissent by Judge GRABER.
WIGGINS, Circuit Judge:
Charles Wetzel appeals from the district court's summary judgment in favor of Defendants in Wetzel's ERISA claim for long-term disability insurance benefits. The district court determined that Wetzel's claim was time-barred. In doing so, the district court fell prey to an ambiguity that resulted from our opinions in Nikaido
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