GC 3100.18B SECTION 7A - CLAIM PROCEDURES 2005 SECTION 7A - CLAIM PROCEDURES RIGHT OF RECOVERY: If benefits have been received for which the Person was not entitled to receive under the Group Policy, then full reimbursement to AUL is required. Such reimbursement is required whether the overpayment is due to intentional or innocent misrepresentations by the Person, intentional or innocent misrepresentations by an entity supplying AUL with information, a claims processing error or miscalculation by AUL or for any other reason. If reimbursement is not made, then AUL has the right, as allowed under law to: 1) reduce future benefits or any amounts payable under the Group Policy until full reimbursement is made, and 2) recover such overpayments from the Person, from his beneficiary, or estate. If AUL chooses not to use benefit payments towards the reimbursement, this will not constitute a waiver of AUL's rights to reimbursement. This provision will be in addition to, and not in lieu of, any other compensation available to AUL by law. SUBROGATION RIGHTS: AUL has the right to be subrogated to any rights a Person may have against a Third Party. AUL may, at its option, bring legal action to recover benefits it paid in connection with a Person’s Disability. AUL may do this if a Person: 1) suffers a Disability and, because of any act or omission of a Third Party, becomes entitled to and is paid benefits under the Group Policy; and 2) does not initiate legal action for the recovery of such benefits from the Third Party within a reasonable period of time.