ask for it. In some cases, we will require the Insured to give us authorization to obtain additional medical and non-medical information as part of the Insured’s proof of claim. We have the right to terminate our payments to the Insured if the Insured does not cooperate with our requests for information or does not submit the information requested by us. APPLYING FOR OTHER INCOME BENEFITS: We will require the Insured to apply for any Other Income Benefits that the Insured may be eligible for during the period of Disability for which the Insured is claiming benefits under the Policy. We may also require that the Insured appeal a denial of the Insured’s claim for these Other Income Benefits. We will also require the Insured to apply for disability benefits that may be available to the Insured under the Social Security Act. If we disagree with the Social Security Administration’s denial of the Insured’s application, the Insured will be required to follow the Social Security Administration’s appeal process and to continue in that process to the highest level of appeals. We will provide the Insured with assistance during the application process for Social Security Disability benefits. We are unable to provide assistance during other Social Security application process. PAYMENT OF CLAIMS: When we receive satisfactory written proof of the Insured’s loss, we will pay any benefits due. Benefits that provide for periodic payment will be paid not less frequently than monthly for each period as we become liable. We will pay benefits to the Insured, if living. Benefit payments that become due, or if any amount for which we are liable remains unpaid after the Insured’s death, will be made to the Insured’s estate as soon as possible upon receipt of satisfactory written proof of the Insured’s loss. If there are legal impediments to payment of benefits that depend on the actions of parties other than us, we may hold further benefits due until such impediments are resolved and sufficient evidence of the same is provided. Legal impediments to payment may include, but are not limited to, the establishment of guardianships and conservatorships, or the appointment and qualification of trustees, executors and administrators, as applicable. If the Insured has died and we have not paid all benefits due, we may pay up to $1,000.00 to any relative by blood or marriage, or to the executor or administrator of the Insured’s estate. The payment will only be made to persons entitled to it. An expense incurred as a result of the Insured’s last illness, death or burial will entitle a person to this payment. The payments will cease when a valid claim is made for the benefit. We will not be liable for any payment we have made in good faith. To the extent that the Insured is entitled to an award of pre-judgment interest by a court, the interest rate to be applied will be no higher than the rate for post-judgment interest pursuant to U.S.C. Section 1961. AUTHORITY TO MAKE BENEFIT DETERMINATIONS: When the interpretation of the Policy is governed by the Employee Retirement Income Security Act of 1974 (ERISA) and any amendments, Reliance Standard Life Insurance Company shall serve as the claims review fiduciary with respect to the insurance Policy and certificate. The claims review fiduciary has the discretionary authority to interpret the Policy and the certificate and to determine eligibility for benefits and the amount of any benefits payable. Decisions by the claims review fiduciary shall be complete, final and binding on all parties. RECOVERY OF OVERPAYMENTS: We have the right to recover overpayments that occur due to: (1) Fraud; (2) An error we make in processing the Insured’s claim; (3) Payment we made that should have been made under another group plan; or (4) The Insured’s receipt of Other Income Benefits for periods during which the Insured has already received disability benefits under the Policy. If we determine that we should have paid the Insured a different benefit amount from the amount actually paid on the Insured’s claim, we will adjust the benefit accordingly. If we determine that we overpaid the Insured’s claim, then we require that the Insured repay us in full. We will determine the method by which the Insured will repay us. The Insured will reimburse us for all overpayments. We have the right to obtain any information relating to sources of Other Income Benefits. We reserve the right to demand an immediate refund from the Insured of any overpayment, to take legal action, or to apply any future payments that are determined to be due to the Insured under the Policy, including any applicable minimum benefits, toward any outstanding overpayment balances until we are reimbursed in full. We have the right to recover overpayments from the Insured’s eligible survivors or estate. We reserve the right to deduct from the Insured’s LRS-6564-6-0719-IN Page 6.1