You must pursue all the claim and appeal procedures referenced in "Claims Review and Appeals Procedures" applicable to the plan from which you are seeking a benefit in a timely manner before you pursue any other legal recourse regarding claims for benefits. You may not bring any action at law or in equity to recover benefits unless and until the appeal rights referenced in "Claims Review and Appeals Procedures" have been exhausted and the benefits requested in the appeal have been denied in whole or in part (or there is some other adverse benefit determination). If you wish to seek judicial review of any adverse benefit determination, you must file a civil action under Section 502(a) of ERISA within one (1) year after the date on which all administrative remedies are exhausted—that is, by the later of the date on which an adverse determination on review is issued or the last day on which a final decision should have been issued—or you'll be forever prohibited from bringing such action.