LEGAL ACTIONS FOLLOWING APPEALS After completing all mandatory appeal levels through this Plan, a Covered Person has the right to further appeal an Adverse Benefit Determinations by bringing a civil action under the Employee Retirement Income Security Act (ERISA). Please refer to the Statement of ERISA Rights section of this SPD for more details. No such action may be filed against the Plan later than three years from the date the Plan gives the Covered Person a final determination on his or her appeal. PHYSICAL EXAMINATION AND AUTOPSY The Plan may require that a Covered Person have a physical examination, at the Plan’s expense, as often as is necessary to settle a claim. In the case of death, the Plan may require an autopsy unless forbidden by law. RIGHT TO REQUEST OVERPAYMENTS The Plan reserves the right to recover any payments made by the Plan that were: • Made in error; or • Made after the date the person’s coverage should have been terminated under this Plan; or • Made to any Covered Person or any party on a Covered Person’s behalf where the Plan Sponsor determines the payment to the Covered Person or any party is greater than the amount payable under this Plan. The Plan has the right to recover against Covered Persons if the Plan has paid them or any other party on their behalf. -106- 7670-00-413597