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7.02 Requirement for Written Notice of Claim Denial <br />The Plan Administrator shall provide, to every claimant who is denied a claim for benefits, written notice setting forth in a <br />manner calculated to be understood by the claimant: <br />a) The specific reason or reasons for the denial; <br />b) Specific reference to pertinent Plan provisions on which the denial is based; <br />c) A description of any additional material of information necessary for the claimant to perfect the claim and an explanation <br />of why such material is necessary, and <br />d) An explanation of the Plan's claim review procedure. <br />7.03 Right to Request Hearing on Benefit Denial <br />Within one -hundred eighty (180) days after the receipt by the claimant of written notification of the denial (in whole or in <br />part) of his claim, the claimant or his duly authorized representative, upon written application to the Plan Administrator, in <br />person or by certified mail, postage prepaid, may request a review of such denial, may review pertinent documents, and may <br />submit issues and comments in writing. <br />7.04 Disposition of Disputed Claims <br />Upon its receipt of notice of a request for review, the Plan Administrator shall make a prompt decision on the review. The decision <br />on review shall be written in a manner calculated to be understood by the claimant and shall include specific reasons for the decision <br />and specific references to the pertinent plan provisions on which the decision is based. The decision on review shall be made not later <br />than sixty (60) days after the Plan Administrator's receipt of a request for a review, unless special circumstances require an extension <br />of time for processing, in which case a decision shall be rendered not later than one hundred -twenty (120) days after receipt of a <br />request for review. If an extension is necessary, the claimant shall be given written notice of the extension prior to the expiration of <br />the initial sixty (60) day period. If notice of the decision on the review is not furnished in accordance with this Section, the claim <br />shall be deemed denied and the claimant shall be permitted to exercise his right to legal remedy pursuant to Section 7.05. <br />7.05 Preservation of Other Remedies <br />After exhaustion of the claims procedures provided under this Plan, nothing shall prevent any person from pursuing any other <br />legal or equitable remedy otherwise available. <br />ARTICLE VIII <br />Amendment or Termination of Plan <br />8.01 Permanency <br />While the Employer fully expects that this Plan will continue indefinitely, due to unforeseen, future business contingencies, <br />permanency of the Plan will be subject to the Employer's right to amend or terminate the Plan, as provided in Sections 8.02 <br />and 8.03, below. <br />- r� <br />