A decision on review of a denied claim shall be made not later than 60 days after receipt of a request for review, unless special circumstances require an extension of time for processing, in which case a decision shall be rendered within a reasonable period of time, but not later than 120 days after receipt of a request for review.

The decision on the review of athe denied claim shall be made not later than 60rendered by the Committee within sixty (60) days after the receipt of athe request for review, unlessreview (if no hearing is held) or within sixty (60) days after the hearing if one is held. However, if special circumstances require an extension of the period of time for processing, in which caseconsidering an appeal, the 60-day period can be extended for an additional 60 days by giving the claimant written notice of the extension, the reason why the extension is necessary, and the date a decision is expected. The decision shall be rendered within a reasonable periodwritten and shall state the specific reasons for the decision including references to the specific provisions of time, but not later than 120 days after receipt of a request for review.this Plan on which the decision is based.

The Committee’s decision on review of a denied claim shallwill be made not later than 60sixty (60) days after his or her receipt of athe request for review, unless special circumstances require an extension of time for processing, in which case a decision shallwill be rendered within a reasonable period of time,as soon as possible, but not later than 120one-hundred-twenty (120) days after receipt of athe request for review. This notice to the claimant will indicate the special circumstances requiring the extension and the date by which the Committee expects to render a decision and will be provided to the claimant prior to the expiration of the initial period.

The Committee shall render its decision on review of a denied claim shall be madepromptly, and not later than 60sixty (60) days after receiptthe filing of a written request for review,review of the denial, unless a hearing is held or other special circumstances require an extension of time for processing,additional time, in which case athe Committee’s decision shallmust be rendered within a reasonable period of time, but not later than 120one hundred twenty (120) days after receipt ofsuch date. The Claimant will receive written notification if any extension beyond the original sixty (60) days is necessary. Such decision must be written in a request for review.manner calculated to be understood by the Claimant, and it must contain:

The Committee shall render its decision on review of a denied claim shall be madepromptly, and not later than 60 days after receiptthe filing of a written request for review,review of the denial, unless a hearing is held or other special circumstances require an extension of time for processing,additional time, in which case athe Committee’s decision shallmust be rendered within a reasonable period of time, but not later than 120 days after receipt ofsuch date. Such decision must be written in a request for review.manner calculated to be understood by the Claimant, and it must contain:

The claimant will have sixty days to request a review of the denial by the Committee, which will provide a denied claim shallfull and fair review. The request for review must be made not later than 60in writing delivered to the Committee. The claimant may review pertinent documents, and he may submit issues and comments in writing. The decision by the Committee with respect to the review must be given within sixty days after receipt of a request for review,the request, unless special circumstances require an extension of time(such as for processing, in which case a hearing). In no event shall the decision shall be rendered within a reasonable period of time, but not later thandelayed beyond 120 days after receipt of athe request for review. The decision shall be written in a manner calculated to be understood by the claimant, and it shall include specific reasons and refer to specific Plan provisions as to its effect.

A decision on review of a denied claim shallwill be made not laterrendered no more than 60 days after the Committee’s receipt of athe request for review, unlessexcept that such period may be extended for an additional 60 days if the Committee determines that special circumstances (such as for a hearing) require such extension. If an extension of time for processing, in which case a decision shallis required, written notice of the extension will be rendered within a reasonable periodfurnished to the claimant before the end of time, but not later than 120 days after receipt of a request for review.the initial 60-day period.

The claimant may request a review of a deniedany denial of his or her claim shall be made not later thanby written application to the Committee within 60 days after receipt of a request for review, unlessthe notice of denial of such claim. Within 60 days (or, if special circumstances require an extension of time for processing, 120 days, in which case a decision shallnotice of such special circumstances should be renderedprovided within a reasonable period of time, but not later than 120 daysthe initial 60-day period) after receipt of a requestwritten application for review.review, the Committee will provide the claimant with its decision in writing, including, if the claimant's claim is not approved, specific reasons for the decision and specific references to the Plan provisions on which the decision is based.