Notice of Decision. If the Administrator denies part or all of the claim, the Administrator shall notify the Claimant in writing of such denial. The Administrator shall write the notification in a manner calculated to be understood by the Claimant. The notification shall set forth: # the specific reasons for the denial; # a reference to the specific provisions of this Agreement on which the denial is based; # a description of any additional information or material necessary for the Claimant to perfect the claim and an explanation of why it is needed; # an explanation of this Agreement’s review procedures and the time limits applicable to such procedures; and # a statement of the Claimant’s right to bring a civil action under ERISA [Section 502(a)] following an adverse benefit determination on review.

Notice of Decision. If the Administrator denies part or all of the claim, theThe Administrator shall notify the Claimant in writing of such denial.its decision on review. The Administrator shall write the notification in a manner calculated to be understood by the Claimant. The notification shall set forth: # the specific reasons for the denial; # a reference to the specific provisions of this Agreement on which the denial is based; # a description of any additional information or material necessary forstatement that the Claimant is entitled to perfectreceive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the Claimant’s claim and an explanation of why it is needed; # an explanation of this Agreement’s review procedures and the time limits applicable to such procedures;for benefits; and # a statement of the Claimant’s right to bring a civil action under ERISA [Section 502(a)] following an adverse benefit determination on review..

#Notice of Decision. If the Plan Administrator deniesaffirms the denial of part or all of the entire claim, the Plan Administrator shall notify the Claimantclaimant in writing of such denial. The Plan Administrator shall write the notification in a manner calculated to be understood by the Claimant.claimant. The notification shall set forth: #forth the specific reasonsreason for the denial; #denial and a reference to the specific provisions of this Agreementthe Plan on which the denial is based; # a description of any additional information or material necessary for the Claimant to perfect the claim and an explanation of why it is needed; # an explanation of this Agreement’s review procedures and the time limits applicable to such procedures; and # a statement of the Claimant’s right to bring a civil action under ERISA [Section 502(a)] following an adverse benefit determination on review.based.

The Administrator denies part or all of the claim, the Administrator shallwill notify the Claimant in writingParticipant of such denial. The Administrator shall writeits benefit determination on review. In the notification in a manner calculated to be understood bycase of an Adverse Benefit Determination, the Claimant. The notification shall set forth: #notice will include the specific reason or reasons for the denial; # aAdverse Benefit Determination, reference to the specific Plan provisions of this Agreement on which the denialdetermination is based; #based, and a descriptionstatement that the Participant or alternate recipient 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 claim. The notice will also include a statement that the Plan does not have any additional information or material necessary for the Claimant to perfect the claim and an explanation of why it is needed; # an explanation of this Agreement’s reviewmandatory appeal procedures and that the time limits applicable to such procedures; and # a statement ofParticipant has the Claimant’s right to bring a civil action under ERISA [SectionSection 502(a)] following an adverse benefit determination of the Employee Retirement Income Security Act (ERISA). All decisions on review.review shall be final and bind all parties concerned.

#Notice of Decision. If the Plan Administrator denies part or all of the claim, the Plan Administrator shall notify the Claimantclaimant in writing of such denial. The Plan Administrator shall write the notification in a manner calculated to be understood by the Claimant.claimant. The notification shall set forth: # the specific reasons for the denial; # a reference to the specific provisions of this Agreement on which the denial is based; # a description of any additional information or material necessary for the Claimant to perfect the claim and an explanation of why it is needed; # an explanation of this Agreement’s review procedures and the time limits applicable to such procedures; and # a statement of the Claimant’s right to bring a civil action under ERISA [Section 502(a)] following an adverse benefit determination on review.