- Obtain a Summary Plan Description (SPD), and identify your claim.
- File your claim with person designated by the plan to receive claims.
-
 Wait
for a reasonable amount of time, up to 90 days, for outcome of your claim.
If no decision is made, and you were not notified of an extension of the
period based on special circumstances, you may consider your claim denied.
- Appeal by requesting a review of your claim, and an explanation for why the claim was
denied. Be sure and include all related information, especially any
new evidence or information.
-
 If your appeal review will take longer than 60 days you must be notified.
Generally, a decision must be made within 120 days of your appeal.
- If you have not received notice within the time set, you can assume your
appeal denied.
- You may seek legal assistance, or you may wish to get in touch with the
U. S. Department of Labor
- Employee Benefits Security Administration concerning your rights under
ERISA.
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