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E. The decision on review must be written in a manner calculated to be understood by the <br />Claimant. In the case of an adverse benefit determination, the notification to the <br />Claimant shall set forth, in a manner calculated to be understood by the Claimant, the <br />following: <br />1. The specific reason or reasons for the denial; <br />2. Specific reference to pertinent Plan provisions on which the denial is based; <br />and <br />3. A statement that the Claimant is entitled to receive, upon request and free of <br />charge, reasonable access to, and copies of, all documents, records, and other <br />information relevant (determined in accordance with Department of Labor <br />regulations section 2560.503-1(m)(8) as if it applied to this Plan) to the <br />Claimant's claim for benefits. <br />F. If the decision on review is not furnished to the Claimant within the time required in this <br />section, the claim shall be deemed denied on review and the Claimant shall be <br />permitted to exercise the Claimant's right to legal remedy pursuant to the remaining <br />sections of this Claims Procedures article. <br />12.06. Legal Actions. <br />A. A Claimant must submit a written claim and exhaust the preceding claims procedures <br />before legal recourse of any type is sought. Except as explicitly permitted by statute, <br />the Administrator and the Employer are the only necessary parties to any action or <br />proceeding that involves the Plan or the administration of the Pfan. No Participants or <br />their Beneficiaries or any person having or claiming to have an interest under the Plan <br />is entitled to notice of process. Any final judgment that is not appealable for any <br />reason (including the passage of time) and that is entered in an action or proceeding <br />involving the Plan is binding and conclusive on the parties to this Plan and all persons <br />having or claiming to have any interest under the Plan. <br />B. Judicial review of a Claimant's denied claim shall be limited to a determination of <br />whether there was an abuse of discretion. A Claimant may commence no legal action <br />more than three (3) years after the final decision denying the claim. <br />12.07. Administration Pending Resolution Of Disautes. <br />If a dispute arises with respect to any matter under this Plan, the Administrator may refrain <br />from taking any other or further action in connection with the matter involved in the <br />controversy until the dispute has been resolved under the Plan. if a dispute arises as to the <br />proper amount or recipient of any payment of benefits, the Administrator, in the <br />Administrator's sole and absolute discretion, may withhold. or cause to be withheld such <br />payment until the dispute has been settled by the parties concerned, or the Administrator may <br />deposit such funds or property with the court in an interpleader action brought under the law of <br />the State having jurisdiction. <br />12.08. Time. <br />The filing of claims or receipt of notices of rulings and any event starting a time period shall be <br />deemed to commence with personal delivery signed for by the Claimant or by affidavit of <br />personal service, or the date of actual receipt of certified mail or date returned if delivery is <br />refused or a Claimant has moved without giving the Administrator a forwarding address. <br />33 <br />