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C. If an extension of time is necessary, the Claimant must be given a written notice to this <br />effect prior to the expiration of the initial ninety (90) day period, and the notice must <br />indicate the special circumstances requiring the extension and the date by which <br />a decision will be made. <br />D. If a claim is denied in whole or in part, the Administrator's notice denying such claim <br />shall set forth, in a manner calculated to be understood by the Claimant, the following: <br />The specific reason or reasons for the denial; <br />2. Specific refierence to pertinent Plan provisions on which the denial is based; <br />3. A description of any additional material or information necessary for the <br />Claimant to perfect the claim and an explanation of why such material <br />information is necessary; and <br />4. An explanation of the Plan's claim review procedures. <br />E. If notice of the granting or denying of a claim is not furnished in accordance with the <br />preceding provisions, the claim shall be deemed denied and the Claimant shall be <br />permitted to exercise the Claimant`s right to review pursuant to the Claims Appeals <br />section, below. <br />12.05. Claims A^pgeals. <br />A. If a Claimant wishes to appeal a denial of a claim, the Claimant or the Claimant's duly <br />authorized representative: <br />May request a review upon written application to the Administrator; <br />2. May submit written comments, documents, records and other information <br />relating to-the claim; and <br />3. May obtain, upon request and free of charge, reasonable access to, and copies <br />of, all documents, records, and other information relevant (determined in <br />accordance with Department of Labor regulations section 2560.503-1(m){8) as <br />if it applied to this Plan) to the Claimant's claim for benefits. <br />B. The written request for review must be received by the Administrator no later than <br />sixty (60) days after the Claimant receives notice that the Claimant's claim for Plan <br />benefits has been denied. <br />C. The decision on the review shall be made by the Administrator, who may, in its <br />discretion, hold a hearing on the denied claim. <br />D. The Administrator shall make its decision promptly, and not later than sixty (60) days <br />after the Administrator's receipt of the request for a review, unless the Administrator <br />determines that special circumstances require an extension of time for processing the <br />claim. If the Administrator determines that an extension of time for processing is <br />required, this period may be extended no more than sixty (60) days from the end of the <br />initial sixty (60) day period, in which case the Administrator shall. give the Claimant a <br />written notice to this effect prior to the expiration of the initial sixty (60) day period and <br />the notice shall indicate the special circumstances requiring the extension of time and <br />the date by which a decision will be made on review. <br />32 <br />