ICC19 RL-STD-CERT-19 20 D12972 (11/25) If any amount for which we are liable remains unpaid when you die, we will pay that amount to your Eligible Survivor. If, however, it is necessary for the establishment of a guardianship or conservatorship, or appointment of a trustee, executor or administrator, we may withhold further benefits until sufficient evidence is provided to us that any such establishment or appointment has been finalized. If the Eligible Survivor has a special needs trust, we will pay that person’s trust upon receipt of trust documents. We will pay benefits within 30 days of receiving sufficient evidence of guardianship, conservatorship or trust. If we pay benefits on or after the 31st day of receiving sufficient evidence, the delayed payment will be subject to a simple 10% interest rate per year, beginning with the 31st day and ending on the day benefits are paid. If you have no Eligible Survivors, payment will be made to your estate, unless there is none. In this case, no payment will be made. PHYSICAL EXAMINATION We may require you to be examined by one or more Doctors or other medical practitioners of our choice. We will pay for this examination. We can require an examination as often as it is reasonable to do so while your claim is pending. We may also require you to be interviewed by our authorized representative. Failure to comply with this request may result in denial or termination of benefits. REVIEW OF DENIAL OF CLAIMS If your claim is denied, you have the right to notify us in Writing within 180 days of receiving notice of the denial that you would like us to review the denial. Upon request, you have the right to review copies of all documents, records, and other information relevant to your claim free of charge. You may submit Written comments, documents, records and other information relating to your claim that you would like us to consider in reviewing your denial. We will review the denial of your claim and send you notice of our decision within 45 days of receiving your request. If we require an extension of the deadline to obtain more information, we will give you notice of our decision within 45 days after the end of the extension period. Our decision will state the reasons for our decision, refer to the relevant portions of your Certificate and advise you of any further appeal rights. AUTHORITY The Policyholder has delegated to the insurance company or its designee certain rights and discretion. These include the right and discretion to make determinations regarding the eligibility for participation or benefits and to interpret the terms of the Policy and Certificate. This delegation is made for the purpose of administering the terms of the Policy and Certificate. LEGAL ACTION You can start legal action regarding a claim no earlier than 60 days after initial Written proof of claim has been given to us. You may not start legal action after the date the applicable statute of limitations has expired. However, for new claims, in no case may you start legal action more than three years after initial proof of claim was required; and for claims where benefit payments have been paid, in no case may you start legal action more than three years after continuing proof of claim was required. RIGHT TO REIMBURSEMENT We have the right to recover any overpayments due to any of the following:  Fraud.  Any administrative error we make in processing a claim.  Your receipt of Deductible Sources of Income. You must reimburse us in full. If we find that we should have paid a benefit amount different from the amount actually paid, we will adjust the benefit accordingly. If we underpaid your benefit, we will adjust the benefit to make up the underpayment. If we overpaid your benefit, you shall reimburse us. Any future benefits that are determined to be due, including any applicable Minimum Payment, will be applied to the overpayment until we are reimbursed in full. If future benefits are not due, we will determine the method by which the repayment is to be made.