Notices of Claim Denials

If your benefit application is denied, the Fund Office will send you a written notice of the denial which shall contain the following information:

• The specific reasons for the denial
• Specific reference as to the Plan provisions on which the denial is based
• A description of any additional material or information which would be needed to have your benefit application approved and an explanation of why such material or information is needed
• An explanation of the appeal review procedures
• A statement of your right to bring a civil action under ERISA Section 502(a) following your exhaustion of the Plan’s Appeal Procedures

A notice of denial, if any, generally will be sent to you within 90 days after your benefit application is filed. If, because of special circumstances, more time is needed to process your application, the Fund Office will send you a notice which will describe the special circumstances and how much time is needed.