SECTION 7 - GENERAL PROVISIONS (Continued)
What are Lincoln's Examination Rights? Lincoln, at its own expense, has the right and opportunity to have a Covered Person, whose Injury or Sickness is the basis of a claim, examined or evaluated at reasonable intervals deemed necessary by Lincoln. This right may be used as often as reasonably required. Lincoln may also require an autopsy unless prohibited by law. Who are Claims Paid To? If a beneficiary or Covered Person is a minor or is physically or mentally incapable of giving a valid release for payment, Lincoln, at its option, may make payment not to exceed $2,000.00 to a party who appears to have assumed responsibility for the care and support of such person. Lincoln will only make such payment until claim is made by a guardian of the estate of the beneficiary or the Covered Person. Such payment will release Lincoln of all further liability to the extent of payment. When May This Plan be Contested? This plan will not be contested, except for nonpayment of premium, after it has been in force for two years from the date of issue. The coverage of any Covered Person shall not be contested, except for nonpayment of premium, on the basis of a statement made relating to insurability of the Covered Person after such coverage has been in force for two years during the Covered Person's lifetime. In the absence of fraud, any statements in any application will be deemed representations and not warranties. No representation made by: 1. the Sponsor in applying for this plan will make it void unless the representation is contained in the Sponsor's signed application; or 2. any Covered Person in enrolling for insurance under this plan will be used to reduce or deny a claim unless the representation is contained in an application signed by him and such application is given to him or his beneficiary. Who has the Authority for Interpretation of this Plan? Lincoln shall possess the authority, in its sole discretion, to construe the terms of this plan and to determine benefit eligibility hereunder. Lincoln's decisions regarding construction of the terms of this plan and benefit eligibility shall be conclusive and binding. When can Legal Proceedings Begin? A claimant or the claimant's authorized representative cannot start any legal action: 1. until 60 days after Proof of claim has been given; or 2. more than five years after the time Proof of claim is required. Legal actions are contingent upon first having followed the Claims and Appeals procedure outlined in this plan.
GLC-GNP-2.4
General Provisions
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