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Claim Denial and Notification A request for Plan benefits will be considered a claim for Plan benefits, and it will be subject to a full and fair review. If a claim is wholly or partially denied, the Claims Supervisor will furnish the Plan Participant with a written notice of the denial. This written notice will be provided within ninety (90) days after receipt of all information required to process the claim. The written notice will contain the following information: (1) the specific reason or reasons for the denial; (2) the specific reference to those Plan provisions on which the denial is based; (3) description of any additional information or material necessary to correct the claim and an explanation of why such material or information is necessary; and (4) appropriate information as to the steps to be taken if a Plan Participant wishes to submit the claim for review. If special circumstances require an extension of time for processing the claim, the Claims Supervisor, shall send written notice of the extension to the Plan Participant. The extension notice will indicate the circumstances requiring the extension of an additional ninety (90) days at which time this Plan expects to render a decision on the claim.