Claims and Appeals       Making a Claim   Approval or Denial of a Claim by the Administrative Office   Making an Appeal to The Benefits Committee   Approval or Denial of an Appeal by The Benefits Committee   Legal Action
Making a Claim	A Claim may be made by a Participant, Authorized Third Party, Alternate Payee, or Beneficiary. A Claim must be in writing to the Administrative Office and clearly state the Claim that is being made to the Plan. In addition, a Claim must be made to the Administrative Office prior to any Appeal made to The Benefits Committee. A Claim is generally made for retirement benefits, death benefits, and other benefits. In other cases, a claimant may make a Claim for the Plan to operate in a manner that is against current Plan rules. For example, a Retirement Application would constitute a Claim for retirement benefits and a Death Benefit Application would constitute a Claim for death benefits.