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:� � � • <br /> The Plan Administrator shall then schedule a full and fair review <br /> of the issues within the following sixty (60) days. <br /> 4 . 06 Appeals Decision. Appeals from denials of claims for <br /> benefits which are insured or administered by an insurance <br /> company or third party administrator shall be submitted by the <br /> Plan Administrator to the insurance company or other entity <br /> insuring or administering the Constituent Benefit. The Plan <br /> Administrator may rely on the decision of such insurance company <br /> or third party administrator. Appeals from denial of claims for <br /> benefits which have not been insured or administered by an <br /> insurance company or third party administrator shall be <br /> determined by the Plan Administrator. <br /> The final decision shall be rendered within a reasonable <br /> time following the conclusion of the review, but not later than <br /> 60 days after the Plan Administrator's receipt of a request for <br /> review, unless special circumstances require an extension of <br /> time, in which case a decision shall be made as soon as possible, <br /> but not later than one hundred twenty (120) days after the <br /> receipt of the request for a review. The decision shall be in <br /> writing and shall include specific reasons for the decision, <br /> written in a manner calculated to be understood by the claimant, <br /> with specific references to the pertinent Plan provisions on <br /> which the decision is based. <br /> 4 . 07 Rules and Procedures. Respecting any review held <br /> pursuant to this subsection, the Plan Administrator shall adopt <br /> and shall apply such rules and procedures as shall be uniformly <br /> administered in all appeals heard hereunder. Such rules shall <br /> include provisions that a claimant or his duly authorized <br /> representative may review pertinent documents and submit issues <br /> and comments in writing. <br /> Nothing herein contained shall be deemed to allow the <br /> Employer or Plan Administrator to treat any Participant under the <br /> Plan differently than any other Participant under the Plan in <br /> similar circumstances, it being the intention that this Plan be <br /> administered uniformly with respect to all Participants. ' <br /> 4.08 Exhaustion of Administrative Procedures. No denial of <br /> benefits with respect to a claimant shall be deemed to be <br /> effective from a legal standpoint until the claimant has <br /> exhausted the claims procedures provided under the Plan. <br /> FSA-21-192 ; <br /> -6- ' <br />