Unpaid Premium. When a claim is paid during the grace period, any premium due and unpaid for the Insured Person will be deducted from the claim payment. CLAIMS Notice of Claim. Written notice of claim must be given to the Company within 30 days after the occurrence or commencement of any loss covered by the Policy, or as soon as is reasonably possible. Notice given by or for the Insured Person to the Company at the Company’s home office, to the Company’s authorized administrator or to any of the Company’s authorized agents with sufficient information to identify the Insured Person will be deemed as notice to the Company. Claim Forms. The Company will furnish claim forms to the Insured Person within 15 days after notice of claim is received. If the Company does not provide the forms within that time, the Insured Person may send written proof of the occurrence, character and extent of loss for which the claim is made within the time stated in the Policy for filing proof of loss. Proof of Loss. Written proof of loss must be furnished to the Company at the Company’s home office within 90 days after the date of the loss. Failure to furnish proof within the time required will not invalidate or reduce any claim if it was not reasonably possible to give proof within that time, if the proof is furnished as soon as reasonably possible. In no event, except in the absence of legal capacity, will proof of loss be accepted later than one year from the time proof is required. Time Payment of Claims. Any benefit payable under the Policy will be paid not more than 45 days, after receipt of due written proof of loss for a Clean Claim. If the Company fails to pay or denies a Clean Claim within the 45 days and the Company subsequently pays the claim, the Company will pay interest on the amount of the claim. Interest paid accrues beginning 46 days after the date the claim is filed and will stop accruing on the date the claim is paid. If the claim is filed electronically, any benefit payable under the Policy will be paid not more than 30 days after receipt of due written proof of loss for a Clean Claim. If the Company fails to pay or denies a Clean Claim within the 30 days and the Company subsequently pays the claim, the Company will pay interest on the amount of the claim. Interest paid accrues beginning 31 days after the date the claim is filed and will stop accruing on the date the claim is paid. A “Clean Claim” means a claim submitted for payment that has no defect, impropriety or particular circumstance requiring special treatment preventing payment. Payment of Claims. All claims will be paid to the Insured, unless assigned. Any benefits payable on or after the Insured’s death will be paid to the Insured’s estate. Assignment. Benefits under the Policy may be assigned. Right of Recovery. If payment for claims exceeds the amount for which the Insured Person is eligible under any benefit provision or rider of the Policy, the Company has the right to recover the excess of such payment from the Provider or the Insured. Legal Actions. No Insured Person can bring an action at law or in equity to recover on the Policy until more than 60 days after the date written proof of loss has been furnished according to the Policy. No such action may be brought after the expiration of three years after the time written proof of loss is required to be furnished. If the time limit of the Policy is less than allowed by the laws of the state where the Insured Person resides, the limit is extended to meet the minimum time allowed by such law. C-9184IN 7