NOTICE FOR RESIDENTS OF MISSISSIPPI GCERT2000 11 notice/ms dis claim FILING A DISABILITY INCOME INSURANCE CLAIM The Policyholder should have a supply of claim forms. Obtain a claim form from the Policyholder and fill it out carefully. Return the completed claim form with the required Proof to the Policyholder. If You are unable to report for Active Work due to a Sickness or accidental injury, and You think that You may be Disabled, You should contact MetLife or Your benefits representative to initiate a claim. We recommend that You do so no later than: · 14 days with respect to Disability Income Insurance: Short Term Benefits; and · 30 days, with respect to Disability Income Insurance: Long Term Benefits after the first day You are unable to report for Active Work so that Your claim can be processed in a timely manner. When a claimant files an initial claim for Disability Income Insurance benefits described in this certificate, the following should be sent to Us: · notice of claim within 30 days of the date of loss; and · the required Proof within 90 days after the end of the Elimination Period. Notice of claim and Proof for Disability Income Insurance may also be given to Us by following the steps set forth below: Step 1 A claimant may give Us notice by calling Us at the toll-free number shown in the Certificate Face Page within 30 days of the date of a loss. Step 2 We will send a claim form to the claimant and explain how to complete it. The claimant should receive the claim form within 15 days of giving Us notice of claim. Step 3 When the claimant receives the claim form the claimant should fill it out as instructed and return it with the required Proof described in the claim form. If the claimant does not receive a claim form within 15 days after giving Us notice of claim, Proof may be sent using any form sufficient to provide Us with the required Proof. Step 4 The claimant must give Us Proof not later than 90 days after the end of the Elimination Period. If notice of claim or Proof is not given within the time limits described in this section, the delay will not cause a claim to be denied or reduced if such notice or Proof are given as soon as is reasonably possible; and, in no event, except in the absence of legal capacity, later than 1 year after the date Proof is otherwise required. Subject to due Written Proof of loss, all accrued benefits for loss for which this certificate provides periodic payment will be paid as follows: · Weekly, with respect to Disability Income Insurance: Short Term Benefits; · Monthly, with respect to Disability Income Insurance: Long Term Benefits. Any balance remaining unpaid upon the termination of liability will be paid within thirty (30) days after receipt of due Written Proof. Any benefit due and not paid within 30 days of our receipt of Proof will accrue interest at the rate of three percent (3%) per month on the amount due, until the claim is finally settled or adjudicated. Subject to the Time Limit on Legal Actions provision, if We do not pay benefits when due and payable You may bring an action to recover such benefits, any interest which has accrued with respect to such benefits, and any other damages which may be allowed by law. If it is determined in such action that We acted in bad faith as evidenced by a repeated or deliberate pattern of failing to pay benefits and/or claims when due, You