The Claims Administrator or Plan Administrator, as applicable, and any reviewing committee have full discretion and authority to determine all claims for benefits under the plan. Claims not involving specific benefits, but concerning eligibility or enrollment should be addressed to the Plan Administrator. Any action or determination in this review procedure will be final, conclusive, and binding on the Claims and Plan Administrators, the Company, the plan participant and his or her legal representative, and the participant's family members and their legal representatives. The Claims Administrator's decision is based only on whether or not benefits are available under the plan for the proposed treatment or procedure. The determination as to whether the pending health service is necessary and appropriate is determined by you and your physician.

No action for benefits may be brought by any participant or beneficiary unless the plan's claim review procedure has been exhausted (that is, all appeals of adverse decisions have been made). Any such action must be commenced within three years of the first date by which all essential facts and circumstances which support your claim had arisen, provided that the three year period will never begin later than the date on which the claim arose or a final determination denying your claim, in whole or in part, has been issued under the procedures described below.

The Claims Administrator of the retirement and savings plans uses the claims procedure described in this section of the Benefits Handbook to make determinations on claims for benefits under a retirement or savings plan. The Claims Administrator has been delegated full discretion and the maximum authority to interpret the applicable plan and make all initial claims/benefits determinations permitted by law.

No action for benefits may be brought by any participant or beneficiary unless the plan's claim review procedure has been exhausted (that is, all appeals of adverse decisions have been made). Any such action must be commenced within three years of the first date by which all essential facts and circumstances which support your claim had arisen, provided that the three year period will never begin later than the date on which the claim arose or a final determination denying your claim, in whole or in part, has been issued under the procedures described below.