File claim for benefits with person designated by plan to receive claim. Check your benefits with your plan administrator. Wait for reasonable time, usually 90 days, for outcome of claim. If no decision and the plan did not extend the period based on special circumstances, you may consider claim denied. Request review of your claim.
Explanation is required for a denied claim.
You may file claim for full and fair review. Be sure and include all related information, especially new evidence or information. If appeal review will take longer than 60 days you must be notified. A decision must be made within 120 days of your appeal. If you have not received notice within time set, you can assume appeal denied.