1. Section 19 of the World War Veterans' Act of 1924, a amended,
bars suits on yearly renewable term insurance unless brought within
six years after the right accrued or within one year after the date
of approval (July 3, 1930) of the amending Act, but suspends the
limitation "for the period elapsing between the filing in the
bureau of the claim sued upon and the denial of said claim by the
director."
Held, where a claim was filed July 3, 1931, and
notice of denial was received by claimant through the mail on
November 16, 1932, suspension of the limitation ended not later
than the latter date and a suit brought on November 17, 1932,
alleging disability existing from time of discharge in 1918, was
barred. P.
297 U. S.
122.
2. Whether denial of the claim occurred prior to the date when
notice was received by the claimant not decided. P.
297 U. S.
123.
76 F.2d 533 affirmed.
Certiorari, 296 U.S. 554, to review a judgment affirming a
judgment dismissing an action on a policy of War Risk
Insurance.
MR. JUSTICE McREYNOLDS delivered the opinion of the Court.
Petitioner, Tyson, sued to recover total permanent disability
benefits under a war risk term insurance contract,
Page 297 U. S. 122
kept in force by premium payments while the insured remained in
service. The petition, filed November 17, 1932, alleged that
disability had existed ever since the claimant's discharge from the
Army, December 18, 1918.
The trial court dismissed the cause for want of jurisdiction,
being of opinion that it was not instituted within the prescribed
time. The Circuit Court of Appeals affirmed the judgment.
July 3, 1931, Tyson filed his claim with the Veterans'
Administration. November 16, 1932, he received from it a letter,
dated November 12, 1932, and mailed at Washington November 14,
1932, which stated that this had been denied. Also:
"You may consider such denial final for the purposes of
instituting suit under § 19 of the World War Veterans' Act, 1924,
as amended. If you accept the denial of the claim by the Council as
final, the suspension of the statute of limitations provided by §
19 shall cease from and after the date of this letter plus the
number of days usually required by the Post Office Department for
the transmission of regular mail from Washington, to your last
address of record."
The question for decision is whether the petitioner brought suit
within the time permitted by § 19, Act of 1924, as amended, § 445,
Title 38, United States Code, c. 849, § 4, 46 Stat. 992, 1016,
approved July 3, 1930.
"No suit on yearly renewable term insurance shall be allowed
under this section unless the same shall have been brought within
six years after the right accrued for which the claim is made or
within one year after the date of approval of this amendatory Act,
whichever is the later date; . . . :
Provided, That, for
the purposes of this section, it shall be deemed that the right
accrued on the happening of the contingency on which the claim is
founded:
Provided further, That this limitation is
suspended
Page 297 U. S. 123
for the period elapsing between the filing in the bureau of the
claim sued upon and the denial of said claim by the director."
Manifestly suit was not begun within six years after the right
accrued, or within one year after July 3, 1930. Permission to sue
had expired unless the limitation was suspended between the filing
on July 3, 1931, and November 17, 1932, when proceedings began in
the trial court.
Whether the denial occurred November 12th, the date given the
letter of advice, or November 14th, when this was mailed, or
November 14th, when the claimant actually received it, although
much debated by counsel, we need not consider.
The statute provides:
"No suit . . . shall be allowed . . . unless . . . brought
within six years after the right accrued . . . or within one year
after July 3, 1930, whichever is the later date."
But this limitation was suspended by the proviso for the period
between the filing and denial of the claim.
In any view, the denial occurred not later than November 16,
1932. And, with that day, the suspension of the statute ended,
certainly the period between July 3, 1931, and November 16, 1932,
did not extend beyond the latter day. The plain words employed by
Congress require this conclusion. Suit was not begun until the
17th, and that was too late.
Affirmed.