23 additional information needed to resolve those issues. You will be given at least 45 days within which to provide the specified information. 4. If we deny any part of your claim, you will receive a written notice of denial containing the following: a) the reasons for our decision; b) reference to the provisions of the Group Policy on which our decision is based; c) a description of any additional information needed to support your claim; d) information concerning your right to a review of our decision. F. Review Procedure 1. If all or part of a claim is denied, you may request a review. A request for a review must be in writing and received by us within 120 days after you receive notice of the denial. 2. You may send us written comments or other items to support the claim and may review any non- privileged information that relates to the request for review. 3. We will review the claim promptly after we receive the request. We will send you a notice of our decision within 45 days after we receive the request, unless special circumstances require an extension. If we determine that an extension of time for processing is required, written notice of the extension will be furnished to you prior to the expiration of the initial 45 day period. In no event will such extension exceed a period of 60 days from the end of the initial period. G. Assignment. The rights and benefits under the Group Policy are not assignable. GLDI-C2500-(12/06)- IN XXI. RIGHT TO REIMBURSEMENT A. If we make benefit payments to you in excess of the amounts required by the provisions of this Group Policy or, if you receive retroactive benefits from any Deductible Income source for periods of time during which we paid benefits to you, you must reimburse us for any such excess, duplicate, or erroneous payments. B. Before any LTD Benefits are paid to you, you must execute and deliver to us a Reimbursement Agreement, provided by us, setting forth specific terms of reimbursement. C. Upon request, you must execute and deliver to us such documents as may be required, and do whatever else may be necessary, to secure our rights to recover any excess, duplicate, or erroneous payments. D. You must reimburse us in a satisfactory and timely manner for any payments made to which you were not entitled under the terms of this Policy. Such reimbursement will be due and payable immediately upon our notification to you. At our option, subsequent payment of benefits or the refund of any premium owed to you by us may be reduced or applied by us directly toward such reimbursement obligation. If you delay in notifying us of your receipt of Deductible Income or in making reimbursement to us, we will have the right to charge interest at a reasonable rate on the delinquent amount owed to us. E. Our acceptance of premium or other fees, or our providing or paying of benefits, does not constitute a waiver of our rights to enforce the provisions of this section in the future. The provisions of this section are in addition to, and not in lieu of, any other rights or remedies available to us at law or in equity. F. The Minimum Monthly Benefit may be applied to recover an outstanding overpayment. GLDI-C2600-(12/06)