Code of Federal Regulations Title 20. Employees' Benefits § 20.217.3 Need to file an application

(a) Permit a formal decision on whether the person is entitled to an annuity or lump sum;

(b) Protect a person's entitlement to an annuity for as many as 12 months before the application is filed;  and

(c) Provide the right to appeal if the person is dissatisfied with the decision (see part 260 of this chapter).