Within a reasonable period of time after the denial of the claim, but in any event, not to be more than sixty (60) days, the claimant or his/her duly authorized representative may make written application to the Committee for a review of such denial. The claimant or his/her representative, may, upon request and free of charge, review or receive copies of documents, records and other information relevant to the claimant’s claim for benefits, and may submit written comments, documents, records and other information relating to the claim for benefits.

Within a reasonable periodReview of time after theDenial. Upon denial of thea claim, but in any event, not to be more than sixty (60) days, thewhole or in part, a claimant or his/herhis duly authorized representative may makewill have the right to submit a written applicationrequest to the Committee for a full and fair review of such denial. Thethe denied claim by filing a written notice of appeal with the Committee within 60 days of the receipt by the claimant of written notice of the denial of the claim. A claimant or his/her representative, may,the claimant’s authorized representative will have, upon request and free of charge, review or receivereasonable access to, and copies ofof, all documents, recordsrecords, and other information relevant to the claimant’claimant’s claim for benefits,benefits and may submit writtenissues and comments in writing. The review will take into account all comments, documents, recordsrecords, and other information submitted by the claimant relating to the claim for benefits.claim, without regard to whether such information was submitted or considered in the initial benefit determination.

Within a reasonable periodReview of time after theDenial. Upon denial of a claim, in whole or in part, the claim, but in any event, not to be more than sixty (60) days, the claimantClaimant or his/herhis duly authorized representative may makewill have the right to submit a written applicationrequest to the Committee for a full and fair review of such denial. The claimantthe denied claim by filing a written notice of appeal with the Committee within 60 days of the receipt by the Claimant of written notice of the denial of the claim. A Claimant or his/her representative, may,the Claimant’s authorized representative will have, upon request and free of charge, review or receivereasonable access to, and copies ofof, all documents, recordsrecords, and other information relevant to the claimant’Claimant’s claim for benefits,benefits and may submit writtenissues and comments in writing.. The review will take into account all comments, documents, recordsrecords, and other information submitted by the Claimant relating to the claim for benefits.claim, without regard to whether such information was submitted or considered in the initial benefit determination.

Within a reasonable period of time after the denial of the claim, but in any event, not to be more than sixty (60) days, theThe claimant (or his or his/her duly authorized representative may makerepresentative) shall have 60 days (or in the case of a disability claim, 180 days) after receipt of notification of the claim denial to request a review of the denial by making written applicationrequest to the Committee for a review of such denial. The claimant or his/her representative, may, upon request(the “Appeals Committee”), and free of charge, review or receivemay have reasonable access to and copies of documents, records and other information relevant to the claimant’s claim for benefits,upon request and mayfree of charge, and submit written comments, documents, records and other information relatingrelated to the claim for benefits.in writing within such period. The claimant shall receive a review of all submitted comments, documents, records and other information related to the claim, regardless of whether the information was submitted or considered in the initial benefit determination.

Within sixty (60) days after receiving a reasonable periodnotice from the Committee that a claim has been denied, in whole or in part, a Claimant (or the Claimant’s duly authorized representative) may file with the Committee a written request for a review of time after the denial of the claim,claim. Thereafter, but in any event, not to be morelater than sixty (60) days,thirty (30) days after the claimant or his/herreview procedure began, the Claimant (or the Claimant’s duly authorized representative may make written application to the Committee for a review of such denial. The claimant or his/her representative, may, upon request and free of charge, review or receive copies of documents, records and other information relevant to the claimant’s claim for benefits, and may submit written comments, documents, records and other information relating to the claim for benefits.representative):

Within 60 days after receiving a reasonable periodnotice from the Committee that a claim has been denied, in whole or in part, a Claimant (or the Claimant’s duly authorized representative) may file with the Committee a written request for a review of time after the denial of the claim,claim. Thereafter, but in any event, not to be morelater than sixty (60) days,30 days after the claimant or his/herreview procedure began, the Claimant (or the Claimant’s duly authorized representative may make written application to the Committee for a review of such denial. The claimant or his/her representative, may, upon request and free of charge, review or receive copies of documents, records and other information relevant to the claimant’s claim for benefits, and may submit written comments, documents, records and other information relating to the claim for benefits.representative):

Within a reasonable period of timesixty days after the denial of the claim, but in any event, not to be more than sixty (60) days,receipt by the claimant or his/her duly authorized representativeof an adverse benefit determination, the claimant may makeappeal such denial by filing with the Committee a written application to the Committeerequest for a review of the claim. If such denial. The claimantan appeal is filed within the sixty day period, the Committee, or his/her representative, may, upon requesta duly appointed representative of the Committee, shall conduct a full and freefair review of charge, review or receive copies ofsuch claim that takes into account all comments, documents, records and other information relevantsubmitted by the claimant relating to the claimant’s claim for benefits, and mayclaim, without regard to whether such information was submitted or considered in the initial benefit determination. The claimant shall be entitled to submit written comments, documents, records and other information relating to the claim for benefits and shall be provided, upon request and free of charge, reasonable access to, and copies of all documents, records and other information relevant to the claimant’s claim for benefits. If the claimant requests a hearing on the claim and the Committee concludes such a hearing is advisable and schedules such a hearing, the claimant shall have the opportunity to present the claimant’s case in person or by an authorized representative at such hearing.

Within sixty (60) days after receiving a reasonable periodnotice from the Committee that a claim has been denied, in whole or in part, a Claimant (or the Claimant’s duly authorized representative) may file with the Committee a written request for a review of time after the denial of the claim, but in any event, not to be more than sixty (60) days,claim. Thereafter, the claimant or his/herClaimant (or the Claimant’s duly authorized representative may make written application to the Committee for a review of such denial. The claimant or his/her representative, may, upon request and free of charge, review or receive copies of documents, records and other information relevant to the claimant’s claim for benefits, and may submit written comments, documents, records and other information relating to the claim for benefits.representative):

WithinUpon request, a Participant or his or her beneficiary will be provided without charge, reasonable period of time after theaccess to, and copies of, all non-confidential documents that are relevant to any denial of benefits. A claimant has 60 days from the claim, butday he or she receives the original denial to request a review. Such request must be made in any event, not to be more than sixty (60) days, the claimant or his/her duly authorized representative may make written applicationwriting and sent to the Committee for a review of such denial.Committee. The claimantrequest should state the reasons why the claim should be reviewed and may also include evidence or his/her representative, may, upon request and free of charge, review or receive copies of documents, records and other information relevantdocumentation to support the claimant’s claim for benefits, and may submit written comments, documents, records and other information relating to the claim for benefits.position.

WithinThe claimant may request a reasonable periodreview of time after theany denial of the claim, but in any event, not to be more than sixty (60) days, the claimanthis or his/her duly authorized representative may makeclaim by written application to the Committee for a reviewwithin 60 days after receipt of the notice of denial of such denial. Theclaim. Within 60 days (or, if special circumstances require an extension of time for processing, 120 days, in which case notice of such special circumstances should be provided within the initial 60-day period) after receipt of written application for review, the Committee will provide the claimant or his/her representative, may, upon requestwith its decision in writing, including, if the claimant's claim is not approved, specific reasons for the decision and free of charge, review or receive copies of documents, records and other information relevantspecific references to the claimant’s claim for benefits, and may submit written comments, documents, records and other information relating toPlan provisions on which the claim for benefits.decision is based.