29 U.S.C. § 1133 - U.S. Code - Unannotated Title 29. Labor § 1133. Claims procedure
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In accordance with regulations of the Secretary, every employee benefit plan shall--
provide adequate notice in writing to any participant or beneficiary whose claim for benefits under the plan has been denied, setting forth the specific reasons for such denial, written in a manner calculated to be understood by the participant, and
afford a reasonable opportunity to any participant whose claim for benefits has been denied for a full and fair review by the appropriate named fiduciary of the decision denying the claim.
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