Claims Procedure

A request for health and security benefits will usually be approved or denied within 90 days from the date the claim is received by the plan. In some situations, the plan may need more information to act on a claim. The plan will request the information and inform the participant about any delay and the reasons for the delay within this initial 90-day period and will then decide on the claim within the following 90-day period.

If a claim is ignored or denied, in whole or in part, the participant will receive a written statement from the plan. It will explain the specific reasons for the denial and the plan provision on which the denial is based. The statement will also explain if there is anything that can be done to help facilitate the claim, such as provide additional information.