claim decision. We must receive this proof no later than 45 calendar days from the date we ask for it. In some cases, we will require you to give us authorization to obtain additional medical and non-medical information as part of your proof of claim. We have the right to terminate our payments to you if you do not cooperate with our requests for information or do not submit the information requested by us. APPLYING FOR OTHER INCOME BENEFITS: We will require you to apply for any Other Income Benefits that you may be eligible for during the period of Disability for which you are claiming benefits under the Policy. We may also require that you appeal a denial of your claim for these Other Income Benefits. We will also require you to apply for disability benefits that may be available to you under the Social Security Act. If we disagree with the Social Security Administration’s denial of your application, you will be required to follow the Social Security Administration’s appeal process and to continue in that process to the highest level of appeals. We will provide you with assistance during the application process for Social Security Disability benefits. We are unable to provide assistance during other Social Security application process. PAYMENT OF CLAIMS: When we receive satisfactory written proof of your loss, we will pay any benefits due. Benefits that provide for periodic payment will be paid not less frequently than monthly for each period as we become liable. We will pay benefits to you, if living. Benefit payments that become due, or if any amount for which we are liable remains unpaid after your death, will be made to your estate as soon as possible upon receipt of satisfactory written proof of your loss. If there are legal impediments to payment of benefits that depend on the actions of parties other than us, we may hold further benefits due until such impediments are resolved and sufficient evidence of the same is provided. Legal impediments to payment may include, but are not limited to, the establishment of guardianships and conservatorships, or the appointment and qualification of trustees, executors and administrators, as applicable. If you have died and we have not paid all benefits due, we may pay up to $1,000.00 to any relative by blood or marriage, or to the executor or administrator of your estate. The payment will only be made to persons entitled to it. An expense incurred as a result of your last illness, death or burial will entitle a person to this payment. The payments will cease when a valid claim is made for the benefit. We will not be liable for any payment we have made in good faith. To the extent that you are entitled to an award of pre-judgment interest by a court, the interest rate to be applied will be no higher than the rate for post-judgment interest pursuant to U.S.C. Section 1961. AUTHORITY TO MAKE BENEFIT DETERMINATIONS: When the interpretation of the Policy is governed by the Employee Retirement Income Security Act of 1974 (ERISA) and any amendments, Reliance Standard Life Insurance Company shall serve as the claims review fiduciary with respect to the insurance Policy and certificate. The claims review fiduciary has the discretionary authority to interpret the Policy and the certificate and to determine eligibility for benefits and the amount of any benefits payable. Decisions by the claims review fiduciary shall be complete, final and binding on all parties. RECOVERY OF OVERPAYMENTS: We have the right to recover overpayments that occur due to: (1) Fraud; (2) An error we make in processing your claim; (3) Payment we made that should have been made under another group plan; or (4) Your receipt of Other Income Benefits for periods during which you have already received disability benefits under the Policy. If we determine that we should have paid you a different benefit amount from the amount actually paid on your claim, we will adjust the benefit accordingly. If we determine that we overpaid your claim, then we require that you repay us in full. We will determine the method by which you will repay us. You will reimburse us for all overpayments. We have the right to obtain any information relating to sources of Other Income Benefits. We reserve the right to demand an immediate refund from you of any overpayment, to take legal action, or to apply any future payments that are determined to be due to you under the Policy, including any applicable minimum benefits, toward any outstanding overpayment balances until we are reimbursed in full. We have the right to recover overpayments from your eligible survivors or estate. We reserve the right to deduct from your claim payment any unpaid premium due for your coverage. We will not recover more money from you than the benefit amounts we paid to you. LRS-6570-4-0719-IN Page 5.1