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t-,. . CLAIMS PROCEDURES FOR LIFE OR ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS ~OTE: If this Policy Includes an Extension of Death Benefit or a Living Benefit (also called an Accelerated Death Benefit), please refer to that section for special claim procedures. NOTICE OF CLAIM. Written notice of claim must be given within 20 days after the loss occurs. The notice must be sent to the Company's Home Office, It should include: (1) the Insured Person's name and address; and (2) the number of this Policy. If this is not possible, written notice must be given as soon as it is reasonably possible. CLAIM FORMS. When notice of claim is received, the Company will send claim forms for filing the required proof. If the Company does not send the forms within 15 days; then the Insured Person or Beneficiary may send the Company written proof of claim in a letter stating the nature, date and cause of the loss. PROOF OF CLAIM, The Company must be given written proof of claim within 90 days after the date of the loss. If it was not reasonably possible to give written proof in the time required, the claim will not be reduced or denied solely for this reason; provided the proof is filed as soon as reasonably possible. In any event, proof of claim must be given no later than one year from such time. These time limits will not apply while the Insured Person or Beneficiary lacks legal capacity, however. Proof of claim must be provided at the Insured Person's or Beneficiary's own expense. It must show the nature, date and cause of the loss. Documentation must include: (1) a certified copy of the death certificate, for proof of death; (2) a copy of any police report, for proof of accidental death or dismemberment; (3) a signed authorization for the Company to obtain more information; and (4) any other items the Company may reasonably require in support of the claim, EXAM OR AUTOPSY. At anytime while a claim is pending, the Company may: (1) have the Insured Person examined by a Physician of the Company's choice, as often as reasonably required; and (2) deny or suspend benefits if the Insured Person fails to attend an exam, without good cause; or fails to cooperate with the examiner. In case of death, the Company may also have an autopsy done, where it is not forbidden by law. Any such exam or autopsy will be at the Company's expense, TIME OF PAYMENT OF CLAIMS. Death or dismemberment benefits payable under this Policy will be paid as soon as the Company receives acceptable proof of claim. In any event, the Company shall payor deny any claim within 120 days after receiving it. If payment is not sent by the 120th day, any overdue payment of accidental death or dismemberment benefits will accrue simple interest at the rate of 10% per year. TO WHOM PAYABLE. Any benefits payable for the Insured Person's death will be paid in accord with the Beneficiary, Facility of Payment and Settlement Options sections of this Policy. If this Policy includes Dependent Life Insurance, any benefits payable for an insured Dependent's death will be paid to: (1) the Insured Person, if he or she survives that Dependent; or (2) the Insured Person's Beneficiary, or in accord with the Facility of Payment section; if the Insured Person does not survive that Dependent. If this Policy includes Accidental Death and Dismemberment Benefits; then any benefit, other than the Insured Person's death benefit, will be paid to the Insured Person, NOTICE OF CLAIM DECISION. Within a reasonable time after receiving proof of claim, the Company will send the Insured Person or Beneficiary a written notice of their claim decision. If the Company denies any part of the claim, the written notice will: (1) explain the reason for the denial under the terms of this Policy; and (2) inform the Insured Person or Beneficiary of the right to a review of the Company's decision, If the Insured Person or Beneficiary does not receive a written decision within 90 days after the Company receives the ;Iaim; then there is a right to an immediate review, as if the claim was denied, 18 LlADD 05101/01 GL1101-13A FL