The Appeal Process. The Claims Administrator will submit the appeal to the Claims Appeal Administrator for review of the denial or partial denial of the claim. Within sixty (60) days after the receipt of claimant's appeal, the claimant will be notified of the final decision of the Claims Appeal Administrator, unless, in the Claims Appeal Administrator's sole discretion, circumstances require an extension of this period for up to an additional sixty (60) days. If such an extension is required, the Claims Appeal Administrator shall notify claimant of this extension in writing before the expiration of the initial sixty-day period. During the appeal, the Claims Appeal Administrator, in its sole discretion, reserves the right to request specific information from the claimant, and reserves the right to have the claimant examined or tested by person(s) employed or compensated by the Employer. The final decision of the Claims Appeal Administrator shall set forth in writing the facts and plan provisions upon which the decision is based. All decisions of the Claims Appeal Administrator are final and binding on all employees, Participants, their Beneficiaries, or other claimants.

Appeal of Claims That Are Denied or Partially Denied. The Appeal Process. The Claims Administrator will submit the appeal toclaimant may request review of the Claims Appeal Administrator for review of theAdministrator's denial or partial denial of the claim. Withina claim for Plan benefits. Such request must be made in writing within sixty (60) days after the receipt of claimant's appeal, the claimant will be notified of the final decisionhas received notice of the Claims AppealAdministrator's decision and shall include with the written request for an appeal any and all documents, materials, or other evidence which claimant believes supports his claim for benefits. The written request for an appeal, together with all documents, materials, or other evidence which claimant believes supports his claim for benefits should be addressed to the Claims Administrator, unless, inwho will be responsible for submitting the appeal for review to the Claims Appeal Administrator's sole discretion, circumstances require an extension of this period for up to an additional sixty (60) days. If such an extension is required, the Claims Appeal Administrator shall notify claimant of this extension in writing before the expiration of the initial sixty-day period. During the appeal, the Claims Appeal Administrator, in its sole discretion, reserves the right to request specific information from the claimant, and reserves the right to have the claimant examined or tested by person(s) employed or compensated by the Employer. The final decision of the Claims Appeal Administrator shall set forth in writing the facts and plan provisions upon which the decision is based. All decisions of the Claims Appeal Administrator are final and binding on all employees, Participants, their Beneficiaries, or other claimants.Administrator.

The Appeal Process. The Claims Administrator will submitshall provide the claimant with written or electronic notice of its decision on appeal to the Claims Appeal Administrator for reviewwithin 60 days after receipt of the denial or partial denial of the claim. Within sixty (60) days after the receipt of claimant'claimant’s appeal, the claimant will be notified of the final decision of the Claims Appeal Administrator, unless, in the Claims Appeal Administrator's sole discretion,appeal request, unless special circumstances require an extension of this time period. If special circumstances require an extension of the time to process the appeal, the processing period may be extended for up to an additional sixty (60)60 days. If such an extension is required, the Claims Appeal Administrator shall notifyprovide written notice of the required extension to the claimant of this extension in writing before the expirationend of the initial sixty-original 60-day period. Duringperiod, which shall specify the circumstances requiring an extension and the date by which the Administrator expects to make a decision. If the Benefit Claim is Denied on appeal, the Claims Appeal Administrator, in its sole discretion, reserves the right to request specific information from the claimant, and reserves the right to haveAdministrator shall provide the claimant examinedwith written or tested by person(s) employed or compensated byelectronic notice containing a statement that the Employer. The final decisionclaimant is entitled to receive, upon request and free of charge, reasonable access to and copies of all documents, records, and other information relevant to the Claims Appeal Administrator shall set forth in writingBenefit Claim, as well as the factsspecific reasons for the Denial on appeal and planreferences to the applicable Plan provisions uponon which the decisionDenial is based. All decisions of the Claims Appeal Administrator are finalThe Administrator’s decision on appeal shall be final, conclusive, and binding on all employees, Participants, their Beneficiaries, or other claimants.persons.

The Appeal Process. TheDenial or Partial Denial of Benefit Claims. If the Claims Administrator will submit the appeal todenies a claim for benefits in whole or part, the Claims Appeal Administrator for reviewshall notify the claimant in writing of the denial or partial denial of the claim. Within sixty (60)decision within ninety (90) days after the receipt of claimant's appeal, the claimant will be notified of the final decision ofclaim has been received by the Claims Appeal Administrator, unless, inAdministrator. In the Claims AppealClaim Administrator's sole discretion, circumstances require an extension of this periodthe Claims Administrator may extend the time to decide the claim for up to an additional sixty (60) days. Ifninety (90) days, by giving written notice of the need for such an extension is required, the Claims Appeal Administrator shall notify claimant of this extension in writing beforeany time prior to the expiration of the initial sixty-ninety (90) day period. During the appeal, theThe Claims Appeal Administrator, in its sole discretion, reserves the right to request specific information from the claimant, and reserves the right to have the claimant examined or tested by person(s) employed or compensated by the Employer. The final decision ofIf the claim is denied or partially denied, the Claims Appeal Administrator shall set forth in writingprovide the facts and plan provisions upon which the decision is based. All decisions of the Claims Appeal Administrator are final and binding on all employees, Participants, their Beneficiaries, or other claimants.claimant with written notice stating:

The Appeal Process. The ClaimsIf the Claimant does not agree with the Administrator’s decision, the Claimant can request that the Administrator will submit the appeal to the Claims Appeal Administratorreconsider his or her decision by filing a written request for review ofwithin sixty (60) days after receiving notice that the denialclaim has been denied. The Claimant or partial denial of the claim. WithinClaimant’s representative can also present written statements which explain why the Claimant believes that the benefit claimed should be paid and may review all pertinent plan documents. Generally, the appealed decision will be reviewed within sixty (60) days after the receipt of claimant's appeal,Administrator receives a request for reconsideration. However, if special circumstances require a delay, the claimantreview may take up to one hundred twenty (120) days. (If a decision cannot be made within the 60-day period, the Claimant will be notified of the final decisionthis fact in writing.) The Claimant will receive a written notice of the Claims Appeal Administrator, unless, indecision which will explain the Claims Appeal Administrator's sole discretion, circumstances require an extension of this periodreasons for upthe decision by making specific reference to an additional sixty (60) days. If such an extension is required, the Claims Appeal Administrator shall notify claimant of this extension in writing before the expiration of the initial sixty-day period. During the appeal, the Claims Appeal Administrator, in its sole discretion, reserves the right to request specific information from the claimant, and reserves the right to have the claimant examined or tested by person(s) employed or compensated by the Employer. The final decision of the Claims Appeal Administrator shall set forth in writing the facts and planPlan provisions uponon which the decision is based. All decisions of the Claims Appeal Administrator are final and binding on all employees, Participants, their Beneficiaries, or other claimants.