18 1. The death benefit will be paid in a single sum or by any other method agreeable to Us and the beneficiary. Payment of the benefit will extinguish Our liability under the Group Policy for which the death benefit has been paid. 2. No Surviving Beneficiary. If You do not name a beneficiary, or if You are not survived by any named beneficiary, benefits will be paid to Your estate. 3. Dependent Benefits. Dependent Life Insurance benefits that are payable, but unpaid at the Insured Person’s death, will be paid in equal shares to the first surviving class of the following, if the Eligible Employee is dead: a. The children of the Dependent. b. The parents of the Dependent. c. The Insured Person’s estate. The following Dependent benefits, payable under the Group Policy, will be paid to the Eligible Employee if he or she is living: a. AD&D Insurance benefits; b. Life Insurance benefits; c. Supplemental Life Insurance benefits payable because of the death of Your insured Spouse or Child; d. Living Benefit. 4. Facility of Payment. If the benefits provided by the Group Policy are payable to the Insured Person’s estate or to a beneficiary who is a minor or otherwise not legally competent to give a valid release, We may pay up to $500 to any person related to the Insured Person by blood or marriage. Any payment made in good faith will fully release Us to the limit of the payment. If a beneficiary is a minor, or is not able to give a valid release for any payment of benefits made, We will pay the life proceeds to the legally appointed guardian. The guardian must provide Us with adequate written proof of such appointment. This provision does not prevent Us from making payment to or for the benefit of a minor beneficiary in accordance with the applicable state law. Payment made before We have received written notice at Our home office of a valid claim by some other person releases Us from further obligation. D. Review Procedure. 1. If all or part of a claim is denied, the claimant may request a review. The claimant must request a review in writing within 60 days after receiving notice of the denial. 2. The claimant may send Us written comments or other items to support the claim. The claimant may review and receive copies of any non-privileged information that is relevant to the request for review. There will be no charge for such copies. Our review will include any written comments or other items the claimant submits to support the claim. 3. We will review the claim promptly after We receive the request. Within 60 days after We receive the request for review We will send the claimant: a. a written decision on review; or b. a notice that We are extending the review period for 60 days. If the extension is due to the claimant's failure to provide information necessary to decide the claim on review, the extended time period for review of the claim will not begin until the claimant provides the information or otherwise responds. 4. If We extend the review period, We will notify the claimant of the following: a. the reasons for the extension; b. when We expect to decide the claim on review; and c. any additional information We require to decide the claim. 5. If We request additional information, the claimant will have 45 days to provide the information. If the claimant does not provide the requested information within 45 days, We may conclude Our review of the claim based on the information We have received. 6. If We deny any part of the claim on review, the claimant will receive a written notice of denial containing: a. the reasons for Our decision. b. references to the provisions of the Group Policy on which Our decision is based. c. information concerning the claimant's right to receive, free of charge, copies of non-privileged documents and records relevant to the claim.