GENERAL PROVISIONS (continued) GCERT2000 50 gp 10/04 Physical Exams If a claim is submitted for insurance benefits, We have the right to ask the insured to be examined by a Physician(s) of Our choice as often as is reasonably necessary to process the claim. We will pay the cost of such exam. Autopsy Subject to Your religious practices or beliefs, We have the right to make a reasonable request for an autopsy where permitted by law. Any such request will set forth the reasons We are requesting the autopsy. Overpayments Recovery of Overpayments We have the right to recover any amount that We determine to be an overpayment. An overpayment occurs if We determine that: · the total amount paid by Us on Your claim is more than the total of the benefits due to You under this certificate; or · payment We made should have been made by another group plan. If such overpayment occurs, You have an obligation to reimburse Us. Our rights and Your obligations in this regard are described in the reimbursement agreement that You are required to sign when You submit a claim for benefits under this certificate. This agreement: · confirms that You will reimburse Us for all overpayments; and · authorizes Us to obtain any information relating to sources of Other Income. How We Recover Overpayments We may recover the overpayment from You by: · stopping or reducing any future Disability benefits, including the Minimum Benefit, payable to You or any other payee under the Disability sections of this certificate; · demanding an immediate refund of the overpayment from You; and · taking legal action. If the overpayment results from Our having made a payment to You that should have been made under another group plan, We may recover such overpayment from one or more of the following: · any other insurance company; · any other organization; or · any person to or for whom payment was made.