ICC18 LR14GP-ADD-2 10 ADD-12995 (11/25) NOTICE OF CLAIM AND PROOF OF LOSS You or the Beneficiary must send us Written notice of claim within 90 days after the date of loss. Failure to give notice within 90 days will not invalidate or reduce any claim if it is shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably possible. Notice of claim includes proof of loss. Proof of loss for a death claim consists of a certified copy of the Covered Person’s death certificate or other lawful evidence providing equivalent information, and proof of the claimant’s interest in the proceeds. Proof of loss for any other claim consists of information from the Covered Person’s Doctor, at your expense, regarding the Covered Person’s loss that is covered under this rider. We may require additional information from the Employer in order to verify eligibility. Proof of loss, including any attachments indicated on the claim form(s) as required, should be sent directly to us at the address indicated on the form(s). A claim form is available from the Employer or us. We will review proof of loss we receive in order to determine our liability and the correct payee(s). PHYSICAL EXAMINATION We may require the Covered Person to be examined, at our expense, by one or more Doctors or other medical practitioners of our choice. We can require an examination as often as it is reasonable to do so for the duration of a claim. PAYMENT OF PROCEEDS If the Beneficiary is not living on the date payment is made, benefits are payable to the Beneficiary’s estate. We will pay the death benefit to the Beneficiary in one sum or in a method comparable to one sum. Other methods of payment may be made available to the Beneficiary at the time of claim. Any payment we make in good faith will discharge our liability to the extent of such payment. DENIALS AND APPEALS FOR PLANS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 (ERISA) - APPLICABLE TO ALL OTHER CLAIMS Refer to the Certificate provision.