Michigan Compiled Laws

Mich. Comp. Laws § 500.3422 (2026)

Legal actions; provision required.

✓ current as of July 2026

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THE INSURANCE CODE OF 1956

Act 218 of 1956

500.3422 Legal actions; provision required.

Sec. 3422.

An insurer shall include in a disability insurance policy, other than a health insurance policy, a provision as follows:

LEGAL ACTIONS: An insured must not bring an action at law or in equity to recover on this policy before the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this policy. An insured must not bring an action at law or in equity after the expiration of 3 years after the time written proof of loss is required to be furnished.

History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016

PopularName Notes:

Act 218

Notes of Decisions

Cited in 5 cases, 1981–2013 · leading case: Heimeshoff v. Hartford Life & Accident Ins. Co., 134 S. Ct. 604 (2013).

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Heimeshoff v. Hartford Life & Accident Ins. Co., 134 S. Ct. 604 (2013). “175, § 108(3)(a)(11) (West 2010); Mich. Comp. Laws § 500.3422 (2002) ; Minn.”

Charles Wetzel v. Lou Ehlers Cadillac Grp. Long Term Disability Ins. Prog. Reliance Stand. Life Ins. Co., 222 F.3d 643 (9th Cir. 2000). · cites it 2× “175 § 108(3)(a)(ll); Mich. Comp. Laws § 500.3422 ; Minn.Stat. § 62A.”

Nolan v. Aetna Life Ins., 588 F. Supp. 1375 (E.D. Mich. 1984). · cites it 3× “§ 500.3422, which provides: Sec. 3422. There shall be a provision as follows: LEGAL ACTIONS: No action at law or in equity shall be brought to recover on this policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the…”

Gipson v. Life Ins. Co. of North Am., 529 F. Supp. 224 (E.D. Mich. 1981). · cites it 2× “Further, the controlling section for disability policies, Section 500.3422, along with Section 500.”

Citizens Ins. Co. of Am. v. Am. Cmty. Mut. Ins., 495 N.W.2d 798 (Mich. Ct. App. 1993). “MCL 500.3422, 500.3610; MSA 24.13422, 24.”

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