GC 3100.16B SECTION 7A - CLAIM PROCEDURES 2005 SECTION 7A - CLAIM PROCEDURES INITIAL NOTICE OF DISABILITY: Written notice of Disability must be given to AUL during the Elimination Period. If written notice cannot be made due to no fault by the claimant, AUL must be notified as soon as it is reasonably possible to do so. Written notice should contain sufficient information to identify the Person. Notices are not considered given until received by AUL at its Home Office in Indianapolis, Indiana, or by one of its Claims offices. CLAIM FORMS FOR PROOF OF LOSS: Upon receipt of the Initial Notice of Disability, AUL will furnish the Participating Unit with any necessary claim forms to be given to the Person. These forms must be properly, accurately and truthfully completed and returned to AUL. If, for any reason, a Person does not receive a claim form within 15 days of request, the Person should submit written proof of Disability. The initial claim form or proof of Disability must show: 1) claimant’s name; 2) Employer’s name and address; 3) Group number; 4) the date Disability started; 5) the cause of Disability; and 6) the nature and extent of the Disability. The initial claim form or proof of Disability must be signed by a Physician and sent to AUL within 90 calendar days following the Elimination Period. If it is not possible to give proof within these limits, it must be given as soon as reasonably possible thereafter. Proof of claim may not be given later than one year after the time proof is otherwise required. AUL will also periodically send the Person additional claim forms or requests for information necessary to determine eligibility for benefits under the Group Policy. These subsequent claim forms or requests for additional information must be returned to AUL within 30 days after the Person receives them. PHYSICAL EXAMINATION: AUL, at its own expense, has the right to have a Person examined to determine the existence of any Disability that is the basis for a claim. This right may be exercised as often as is reasonably necessary, as determined by AUL, and must be performed by a Physician of AUL's choice. LEGAL ACTION: No legal action may be brought to obtain benefits under the Group Policy: 1) for at least 60 days after proof of loss has been furnished; or 2) before any denial or reduction of benefits by AUL has been appealed properly in writing; or 3) beyond the expiration of the applicable statute of limitations from the time proof of loss is required to be given. TIME OF PAYMENT OF CLAIMS: When AUL receives a claim form or proof of Disability, benefits payable under the Group Policy will be paid monthly during any period for which AUL is liable. PAYMENT OF CLAIMS: All benefits, other than survivor benefits, are payable to the Person. If a Person dies before a benefit to which he was entitled is paid, AUL has the right to pay up to $1,000 to any of the Person's relatives to whom AUL considers entitled to such benefits. If AUL pays benefits in good faith to a person who it considers entitled to such benefits, then AUL will have no obligation to pay such benefits again. The Monthly Benefit will be calculated and paid in United States dollars, and when necessary, it will be based on the exchange rate effective on the first day of the Elimination Period.