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When Claims Should be Filed Benefits are based on the Plan provisions at the time the charges are incurred. Charges are considered incurred when a treatment or care is given or a procedure performed. Claims should be filed with the Claims Supervisor within ninety (90) days of the date charges for the service were incurred. Claims filed later than that date may be declined unless: (1) It's not reasonably possible to submit the claim in that time; and (2) the submission was made as soon as possible under the circumstances. (3) Except in the absence of legal capacity, in no event will an expense be considered if proof of the expenses and/or charges is submitted more than one (1) year after the date the expenses/charges were incurred. The Claims Supervisor will determine if enough information has been submitted to enable proper consideration of the claim. If not, more information may be requested.