Donna Ray v. The Prudential Insurance Compa

*235 MEMORANDUM ** Plaintiff-Appellant Donna C. Ray appeals the district court’s decision granting summary judgment on her claims relating to Defendant-Appellee Prudential Insurance Company of America (“Prudential”)’s denial of her claim for long-term disability benefits. Prudential denied Ray’s claim in 1995, but Ray did not file this action until 2009. Ray concedes that her claims are time barred unless the doctrines of equitable estoppel or waiver apply. We review the district court’s decision to grant summary judgment de novo. Michelman v. Lincoln Nat’l Life Ins. Co., 685 F.3d 887, 892 (9th Cir.2012) (citation omitted). We have jurisdiction pursuant to 28 U.S.C. § 1291, and we affirm. 1 Relying on Spray, Gould & Bowers v. Associated International Insurance Co., 71 Cal.App.4th 1260, 1266-74, 84 Cal.Rptr.2d 552 (1999), Ray argues that equitable estoppel should preclude Prudential from asserting the statute of limitations defense because it had a duty to disclose the statute of limitations to her pursuant to Cal.Code Regs. tit. 10, § 2695.4(a) and § 2695.7(f). Section 2695.4(a) does not apply here because by its own terms it applies to “time limits ... of any insurance policy” and not a statutory limitations period. See, e.g., Juarez v. 21st Century Ins. Co., 105 Cal.App.4th 871, 375-76, 129 Cal.Rptr.2d 418 (2003) (stating that “by its plain language the regulation requires disclosure of time limits contained in an insurance policy rather than time limits set forth in a statute ”). Ray raises her argument concerning § 2695.7(f) for the first time on appeal. Although Ray argues that this presents a “purely legal issue,” there was evidence in the record suggesting that Ray was represented by counsel in 1995, which would thereby have relieved Prudential of any obligation under § 2695.7(f). This is a factual issue that is dependent on the factual record developed by the parties before the district court and if we were to consider it, it would necessarily prejudice Prudential. See Dream Palace v. Cnty. of Maricopa, 384 F.3d 990, 1005 (9th Cir.2004). Accordingly, we decline to consider it. Ray also argues that Prudential waived the statute of limitations defense by agreeing to consider her 2008 appeal on the merits. Generally, an insurer’s “denial of coverage on one ground does not, absent clear and convincing evidence to suggest otherwise, impliedly waive grounds not stated in the denial.” Waller v. Truck Ins. Exch., Inc., 11 Cal.4th 1, 31, 44 Cal.Rptr.2d 370, 900 P.2d 619 (1995). Additionally, the Supreme Court of California has previously stated that an insurer’s failure to invoke an applicable limitation when denying a claim “cannot, as a matter of law, amount to a waiver[.]” Prudential-LMI Commercial Ins. v. Superior Court, 51 Cal.3d 674, 690 n. 5, 274 Cal.Rptr. 387, 798 P.2d 1230 (1990). Applying California law, we have previously explained that we are bound by Prudential-LMI. See Aceves v. Allstate Ins. Co., 68 F.3d 1160, 1163-64 (9th Cir.1995). Under the applicable law, Prudential did not waive the statute of limitations defense by considering Ray’s belated appeal on the merits long after the limitations period had expired. AFFIRMED. Footnotes [**] This disposition is not appropriate for publication and is not precedent except as provided by 9 th Cir. R. 36-3. [1] The parties are familiar with the facts, and we repeat them here only as necessary to explain our decision.