her family, friends, and child that she had the disease. (Pl.’s Mem. in Opp’n at App. I). Plaintiff failed to relay, however, any of this information to the UNUM appeals board. Therefore, Plaintiff has not demonstrated that it would have been futile to appeal the term , 1990. A. Validity of Contractual Limitations Period The Plan contains an enforceable three year limitations period. ERISA does not provide a statute of limitations in the Act itself. Thus, courts often borrow analogous statutes of limitations from state law. Courts have found, however, that reasonable contractual limitations of a party’s right to bring suit are enforceable and supersede the statute of limitations under state law. Thomas v. Allstate Ins. Co., 974 F.2d 706, 709-10 (6th Cir.1992) (applying Ohio law) (<HOLDING>); Doe v. Blue Cross & Blue Shield United, 112
holding that one year limitations period in insurance policy was reasonable and therefore enforceable to shorten the fifteen year statute of limitations for breach of contract holding that insurance plans thirtynine 39 month contractual limitations period shorter than statute of limitations was reasonable and thus enforceable holding that under such unique circumstances the five 5 year statute of limitations controls holding that a reasonable contractedfor limitations period that is not contrary to public policy is generally enforceable holding that kentuckys one year statute of limitations period applies to  1983 actions