These excerpts taken from the OSG 10-K filed Mar 2, 2009.
A. Claims Procedure
1. Any claim by an Eligible Employee or his or her beneficiary (Claimant) with respect to eligibility, participation, contributions, benefits or other aspects of the operation of the Plan shall be made in writing to a person designated by the Committee from time to time for such purpose. If the designated person receiving a claim believes that the claim should be denied, he or she shall notify the Claimant in writing of the denial of the claim within ninety (90) days after his or her receipt thereof. This period may be extended an additional ninety (90) days in special circumstances and, in such event, the Claimant shall be notified in writing of the extension, the special circumstances requiring the extension of time and the date by which the Committees designee expects to make a determination with respect to the claim. If the extension is required due to the Claimants failure to submit information necessary to decide the claim, the period for making the determination will be tolled from the date on which the extension notice is sent until the date on which the Claimant responds to the Plans request for information.
2. If a claim is denied in whole or in part, or any adverse benefit determination is made with respect to the claim, the Claimant will be provided with a written notice setting forth (a) the specific reason or reasons for the denial making reference to the pertinent provisions of the Plan or of Plan documents on which the denial is based, (b) a description of any additional material or information necessary to perfect or evaluate the claim, and explain why such material or information, if any, is necessary, and (c) inform the Claimant of his or her right, pursuant to Paragraph A(1) of this Exhibit, to request review of the decision. The notice shall also provide an explanation of the Plans claims review procedure and the time limits applicable to such procedure, as well as a statement of the Claimants right to bring a civil action under Section 502(a) of ERISA following an adverse benefit determination on review. If a Claimant is not notified (of the denial or an extension) within ninety (90) days from the date the Claimant notifies the Committees designee, the Claimant may request a review of the application as if the claim had been denied.
3. A Claimant may appeal the denial of a claim by submitting a written request for review to the Committee, within sixty (60) days after written notification of denial is received. Such period may be extended by the Committee for good cause shown. The claim will then be reviewed by the Committee. In connection with this appeal, the Claimant (or his or her duly authorized representative) may (a) be provided, upon written request and free of charge, with reasonable access to (and copies of) all documents, records, and other information relevant to the claim; and (b) submit to the Committee written comments, documents, records, and other