What Do I Do If My Claim Is Denied? Property of Bind Benefits, Inc., d/b/a Surest. All rights reserved © 2026. 66 initial notice the assigned IRO will provide written confirmation of the decision to you and to Surest. You may contact Surest Member Services for more information regarding external review rights, or if you are making a verbal request for an expedited external review. Limitation of Action You cannot bring any legal action against the Plan Administrator or Claim Administrator to recover reimbursement until 90 days after you have properly submitted a request for reimbursement as described in this section and all required reviews of your Claim have been completed.