Final Decision. The Administrator’s review will take into account all comments, documents, records, and other information submitted, without regard to whether such information was submitted or considered in the initial benefit determination. The Administrator will render a decision within 60 days after receipt of written request for review, unless the Administrator determines that special circumstances require an extension of time for processing the claim, in which case the Administrator will provide the Participant with written notice of the extension before the expiration of the initial 60-day period. The notice will indicate the special circumstances requiring an extension of time and the date by which the Administrator expects to render a decision. The extension will not exceed 120 days from receipt of a request for review by the Administrator.

Final Decision. The Administrator’s review will take into account all comments, documents, records, and other information submitted, without regard to whether such information was submitted or considered in the initial benefit determination. The Administrator will render a decision within 60 days after receipt of written request for review, unless the Administrator determines that special circumstances require an extension of time for processing the claim, in which case the Administrator will provide the Participant with written notice of its decision within 60 days after the extension before the expirationAdministrator’s receipt of the initial 60-day period. The notice will indicate theParticipant’s written claim for review. There may be special circumstances requiringwhich require an extension of timethis 60-day period. In any such case, the Administrator will notify the Participant in writing within the 60-day period and the date by which the Administrator expects to render a decision. The extensionfinal decision will not exceedbe made no later than 120 days fromafter the Administrator’s receipt of a requestthe Participant’s written claim for review. The Plan Administrator’s decision on the Participant’s claim for review bywill be communicated to the Administrator. Participant in writing and will clearly state:

Final Decision. The Administrator’s review will take into account all comments, documents, records, and other information submitted, without regard to whether such information was submitted or considered in the initial benefit determination.Denial of Claim. The Administrator will rendershall provide a decisionwritten explanation of any Adverse Benefit Determination within 60 days after receipt of written request for review,90 days, unless the Administrator determines that special circumstances require an extension of time for processing the claim, in which case the Administrator will provide the Participant recipient with written notice of the extension before the expiration of the initial 60-90-day period. The notice of the extension will indicate the special circumstances requiring an extension of time and the date by which the Administrator expects to render a decision. The extension will not exceed 12090 days from receiptthe end of a request for review by the Administrator. initial period.

Final Decision. The Administrator’s reviewA decision will take into account all comments, documents, records, and other information submitted, without regard to whether such information was submitted or considered in the initial benefit determination. The Administrator will render a decision withinbe rendered no more than 60 days after the Plan Administrator’s receipt of writtenthe request for review, unlessexcept that such period may be extended for an additional 60 days if the Plan Administrator determines that special circumstances (such as for a hearing) require such extension. If an extension of time for processing the claim, in which case the Administrator will provide the Participant withis required, written notice of the extension will be furnished to the claimant before the expirationend of the initial 60-day period. The notice will indicate the special circumstances requiring an extension of time and the date by which the Administrator expects to render a decision. The extension will not exceed 120 days from receipt of a request for review by the Administrator.

Final Decision. The Administrator’s review will take into account all comments, documents, records, and other information submitted, without regard to whether such information was submitted or considered in the initial benefit determination.Timing of Administrator Response. The Administrator will render a decisionshall respond in writing to such Claimant within 60sixty (60) days after receipt of writtenreceiving the request for review, unlessreview. If the Administrator determines that special circumstances require an extension ofadditional time for processing the claim, in which case the Administrator will providecan extend the Participant with written notice ofresponse period by an additional sixty (60) days by notifying the extension beforeClaimant in writing, prior to the expirationend of the initial 60-sixty (60) day period.period, that an additional period is required. The notice will indicateof extension must set forth the special circumstances requiring an extension of time and the date by which the Administrator expects to render aits decision. The extension will not exceed 120 days from receipt of a request for review by the Administrator.

Final Decision. The Administrator’sReview Procedure. If a Participant is determined by the Administrator not to be eligible for benefits, or if the Participant believes that he or she is entitled to greater or different benefits, the Participant shall have the opportunity to have such claim reviewed by the Administrator by filing a petition for review will take into account all comments, documents, records, and other information submitted, without regard to whether such information was submitted or considered inwith the initial benefit determination. The Administrator will render a decision within 60sixty (60) days after receipt of written request for review, unless the Administrator determines that special circumstances require an extension of time for processing the claim, in which case the Administrator will provide the Participant with written notice of the extension before the expiration of the initial 60-day period. The notice will indicate the special circumstances requiring an extension of time and the date by which the Administrator expects to render a decision. The extension will not exceed 120 days from receipt of a request for reviewissued by the Administrator. The petition shall state the specific reasons which the Participant believes entitle him or her to benefits or to greater or different benefits. Within sixty (60) days after receipt by the Administrator of the petition, the Administrator shall afford the Participant (and counsel, if any) an opportunity to present his or her position to the Administrator in writing, and the Participant (or counsel) shall have the right to review the pertinent documents. The Administrator shall notify the Participant of its decision in writing within the sixty-day period, stating specifically the basis of its decision, written in a manner calculated to be understood by the Participant and the specific provisions of the Program on which the decision is based. If the sixty-day period is not sufficient, the decision may be deferred for up to another sixty-day period at the election of the

Final Decision. The Administrator’s review will take into account all comments, documents, records, and other information submitted, without regard to whether such information was submitted or considered in the initial benefit determination. The Administrator will rendershall provide the claimant with written or electronic notice of its approval or Denial of a decisionproperly filed Benefit Claim within 6090 days after receipt of written request for review,receiving the claim, unless the Administrator determines that special circumstances require an extension of the decision period. If special circumstances require an extension of the time for processing the claim, in which casethe initial 90-day period may be extended for up to an additional 90 days. If an extension is required, the Administrator willshall provide the Participant with written notice of the required extension before the expirationend of the initial 60-90-day period. Theperiod, which notice will indicateshall # specify the special circumstances requiring an extension of time and # the date by which the Administrator expects to rendermake a decision. The extension will not exceed 120 days from receipt of a request for review by the Administrator.

Final Decision.Decision on Review. The Administrator’s review will take into account all comments, documents, records, and other information submitted, without regard to whether such information was submitted or considered in the initial benefit determination. ThePlan Administrator will render a decisionact on each request for review within 60sixty (60) days after receipt of written request for review,the request, unless the Administrator determines that special circumstances require an extension of time (not to exceed an additional sixty (60) days), for processing the claim, in which case the Administrator will provide the Participant withrequest for a review. If an extension for review is required, written notice of the extension beforewill be furnished to the expiration ofapplicant within the initial 60-sixty (60) day period. TheThis notice of extension will indicatedescribe the special circumstances requiring an extension ofnecessitating the additional time and the date by which the Plan Administrator expectsis to render its decision on the review. The Plan Administrator will give prompt, written or electronic notice of its decision to the applicant. Any electronic notice will comply with the regulations of the U.S. Department of Labor. In the event that the Plan Administrator confirms the denial of the application for benefits in whole or in part, the notice will set forth, in a decision. The extension will not exceed 120 days from receipt of a request for reviewmanner calculated to be understood by the Administrator. applicant, the following: