The plan administrator has delegated to some claims administrators, the exclusive right to interpret and administer the provisions of the plan and to determine benefit payments under the plan. Apart from the right to appeal claim decisions described in this summary plan description, the claims administrator's decisions are final and binding. In reviewing your claim, the claims administrator and/or recordkeeper will apply the plan terms and use its discretion in interpreting and applying plan terms. Benefits will be paid only if you've met the eligibility and participation requirements and the claims administrator determines that you're entitled to plan benefits.

The plan administrator has delegated claims administration authority for the plans as follows.