Benefits will be paid to you and your beneficiaries without the necessity of formal claims. However, a participant or beneficiary has a right to file a claim, ask if he or she has a right to any benefits or appeal the denial of a claim. A claim request can be made in writing to the plan administrator. If you make a claim and it is denied, a notice will be given to you that will indicate the specific reason for denial, the plan provisions that apply, a description of any additional information needed to perfect or review the claim further and will explain the plan's claim appeal procedure and steps to be taken if you or your beneficiary want to submit your claim for further review. You may appeal the denial of a claim in writing no more than 60 days after you receive notice of denial or, if no written denial of your claim was provided, no later than 60 days after the deemed denial of your claim. The decision of the plan administrator will be given to you in writing no later than 60 days following receipt of appeal.