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Most pension plans require the participant to file a written claim in order for payments to begin.
Within ninety days, the plan administrators must either begin payment to the participant or notify the participant in writing that the claim is denied. If a claim is denied, the participant is entitled to request a review of the decision. If, upon review, the claim is still denied, the participant can appeal that decision. Some plans provide for arbitration as a means of appeal. When arbitration is required, the participant must use the mechanism.