The Claim Appeal Procedure is to provide a claimant a reasonable opportunity to appeal the denial of a claim.

1. If a claim is denied, appeals must be done in writing. You may submit documents, records or other information for consideration in the review. You are entitled to recive reasonable access to and copies of all information used to determine benefits upon request and free of charge. You reserve the right to civil action under ERISA 502(a) if your request for benefits is denied following review of your appeal.  

2. Your appeal must be submitted during the Plan year in which the claim was incurred, but no later than the end of the plan's runout period.

     a. For the Medical Reimbursement Account - If your appeal is submitted during the ninety (90) or the one hundred and twenty (120) day runout period (after the end of the plan year), the final decision must be reached before the ninetieth (90th) or the one hundred twentieth (120th) day. This is an extremely important point to consider if you wait until the end of the plan year to file your claims. To determine your plan's runout period, pease contact your Benefits Manager or see your Plan's Summary Benefit Description:

     b. For the Dependent Care Account - If your appeal is submitted during the ninety (90) or the one hundred and twenty (120) day runout period (after the end of the plan year), the final decision must be reached before the ninetieth (90th) or the one hundred and twentieth (120th) day. This is an extremely important point to consider if you wait until the end of the plan year to file your claims. To determine your plan's runout period, please contact your Benefits Manager or see your Plan's Summary Benefit Description.

     c. For the Supplemental Medical Indemnity Account - If your appeal is submitted d the one year (365 day) runout period (after end of plan year), the final decision must be reached before the 365th day. This is extremely important point to consider if you wait until the end of the plan year to file your claims.

3. All appeals are addressed to the attention of the Claims Manager and mailed to Ameritas Life Insurance Corp., P.O. Box 786010, San Antonio, TX 78278-6010. Para asistencia, llame el Departmento de Servicio (210) 357-1010, o (800)229-1024.