Administrative Information

Discretionary Authority

The plan administrator has discretionary authority to grant or deny benefits under this contract and plan, to interpret the plan language and to determine eligibility. The plan administrator has delegated full discretionary authority involving any benefit determination to the claims administrator. Benefits under the contract and plan will be paid only if the claims administrator decides in its discretion that you, the applicant, are entitled to them. The decision of the claims administrator shall not be overturned unless determined by a court of law to be arbitrary and capricious.

While this Summary Plan Description summarizes the major provisions of this plan, it does not provide you with every plan detail. The plan documents, which govern this plan, provide full details. If there are any discrepancies between this Summary Plan Description and the legal plan documents, the legal plan documents control.