11 Application processing occurs in compliance with any relevant laws, regulations and Plan rules and is completed as soon as administratively feasible following receipt by the Fund’s recordkeeper, John Hancock. If your application is denied (in whole or in part), a timely notification letter will be sent to you.The letter will include specific reason or reasons for the denial; reference to the specific Plan provision(s) on which the determination is based; a description of any additional material or information necessary to perfect the claim and an explanation of why such material is necessary; and a description of the procedures for an appeal and the time limits applicable to such procedures, including a statement of your right to bring a civil action under Section 502(a) of ERISA following an adverse benefit determination on review. What Can I Do If I Am Denied a Benefit? If your request for a benefit is denied in whole or in part, you have the right to file a written appeal with the Board of Trustees. Your written appeal must be submitted within 180 days of the mailing of the final notice of your eligibility or ineligibility. You have the opportunity to submit written comments, documents, records, and other information relating to your claim for benefits. You will be provided, upon request and free of charge, reasonable access to, and copies of, all documents, records, and other information relevant (as defined in applicable ERISA regulations) to your claim for benefits. Your appeal should be submitted to: Board of Trustees IAM National 401(k) Plan 99 M Street, SE, Suite 600 Washington, DC 20003-4595 In making any application or appeal, you may be represented by any authorized representative. If the representative is not an attorney or a court appointed guardian, you must designate the representative in writing. The Board of Trustees will review your appeal at one of its Board meetings.The review of a denied claim shall take into account all comments, documents, records, and other information submitted by you relating to the claim, without regard to whether such information was submitted or considered in the initial benefit determination by the Fund Office. However, neither you nor your representative may make an appearance before the Board. When Will a Decision Be Made on My Appeal? Normally, the Board of Trustees or a committee of the Trustees will review your appeal at its first regularly scheduled quarterly meeting after it receives your appeal. However, if the appeal is received less than 30 days before a meeting, the appeal will be reviewed following the next regularly scheduled meeting of the Board or committee. If special Please note that designation of a beneficiary with another Plan does not designate your beneficiary under this Plan. Does My Spouse Have Any Additional Rights to My Account Balance? Yes, your spouse or former spouse may be entitled to receive some or all of your benefits from the Plan to the extent awarded in a court decree, which qualifies as a Qualified Domestic Relations Order (QDRO). You may obtain, without charge, from the Fund Office, a copy of the Plan’s procedures for processing these orders. How Are Applications for Benefits Processed?