| Navigation Options | |
 |
|
| Table of Contents | |
|
|
|
Detailed Table of Contents |
|
|
| Index | |
|
|
Introduction
Who Is Eligible
 |
|
|
|
|
| For Employees of New Participating Subsidiaries and/or Participating Employers |
Enrolling for Coverage
|
|
|
 |
|
|
|
|
|
|
|
How the Program Works
|
When Coverage Ends
|
| If You Leave the Company, Retire, or Are No Longer Eligible for Coverage |
|
Special Extensions of Coverage
|
|
| Uniformed Services Employment and Reemployment Rights Act of 1994 |
|
Your Legal Right to Continuation Coverage Under COBRA
|
|
|
|
|
|
|
|
Claims and Appeals Procedures
|
|
|
|
Situations Affecting Your Benefits
|
|
Summary of Vision Plan
Administrative and Contact Information
|
|
|
|
|
|
|
|
|
|
|
|
| Allocation and Delegation of Fiduciary Responsibilities by the Benefits Committee |
|
|
Your ERISA Rights
|
|
|
|
|
|
Claims and Appeals Procedures
Initial Benefit Determination
Manner and Content of Notification of Denied Claim
The claims administrator will provide the claimant with notice of any denial, in accordance with applicable U.S. Department of Labor regulations. The notification of a denial will include:
 | The specific reason or reasons for the denial; |
| Reference to the specific Group Benefits Plan provision(s) on which the determination is based; |
| A description of any additional material or information necessary for the claimant to perfect the claim, and an explanation of why such material or information is necessary; |
| If an internal rule, guideline, protocol, or other similar criterion was relied upon in making the denial, the specific rule, guideline, protocol, or other similar criterion that was relied upon, or a statement that such rule, guideline, protocol, or similar criterion was relied upon and that a copy will be provided free of charge to the claimant upon request; and |
| If the denial is based on medical necessity, experimental treatment, or a similar exclusion or limit, an explanation of the scientific or clinical judgment relied upon for the determination, or a statement that such explanation will be provided free of charge upon request. |
