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<br />CLAIMS PROCEDURES <br />(continued) <br /> <br />1EVIEW PROCEDURE. Within 60 days after receiving a denial notice, the Insured Employee may request a claim review by <br />sending the Company a written request, along with any written comments or other items to support the claim, The Insured Employee <br />may review certain non-privileged information relating to the request for review, <br /> <br />The Company will review the claim and send the Insured Employee a written notice of their decision within 60 days after receiving <br />the request for review; or within 120 days, if special circumstances require an extension, The notice will state the reasons for the <br />Company's decision under the terms of this Policy, <br /> <br />RIGHT OF RECOVERY. If benefIts have been overpaid on any claim, full reimbursement to the Company is required within 60 <br />days. If reimbursement is not made, the Company has the right to: <br />1. reduce future benefIts until full reimbursement is made; and , <br />2. recover such overpayments from the Insured Employee or his or her estate, <br />Such reimbursement is required whether the overpayment is due to fraud, the Company's error in processing a claim, the Insured <br />Employee's receipt of Other Income BenefIts, or any other reason. <br /> <br />LEGAL ACTIONS. No legal action to recover any benefIts may be brought until sixty days after the required written proof of claim <br />has been given, No legal action may be brought after the expiration of the applicable statute of limitations, from the time written <br />proof of claim must be given. <br /> <br />GL3001-LTD-8 98 FL <br /> <br />12 <br /> <br />01/01/01 <br />