($1600-$250 = $1350 balance.). . It is guaranteed in writing the Provider will receive the same reimbursement as under the old TI Plan. The history of Nokia goes back to 1865 when it was founded at a Finnish multinational telecommunications, information technology, and consumer electronics company. Step 2 - Please send a copy of the annuitant's death certificate showing cause of death to: DFAS U.S. Military Annuitant Pay 8899 E 56th Street Indianapolis IN 46249- 1300 FAX: 800-982-8459 You may also visit the link(s) provided below for more information and verification.. To report the death of a person who is receiving or due a pension benefit from PBGC, please call us at 1-800-400-7242 . Welfare plans provide "medical, surgical, or hospital care or benefits, or benefits in the event of sickness, accident, disability, death or unemployment" 29 U.S.C. If you are eligible to receive payments as the beneficiary of a pension plan participant, it is important that you also designate a beneficiary. Be sure to check whether you can receive a subsidy to lower your premiums and deductible costs. You can find important information for you and for your . Your Beneficiaries It is mandatory to procure user consent prior to running these cookies on your website. You may have read Bill Kadereit s NRLN Presidents Forum email on Tuesday that announced the three NRLN lobbying issues that are included in Congress omnibus bill. While the program will not go bankrupt due to payroll taxes, benefits would be cut by about one-fourth. Call Center openMonday through Friday, 8:30 a.m. - 4:30 p.m. The Union negotiated so you can see any approved Medicare Provider in the entire United States. 2. You'll also indicate your relationship to the policyholder and how you would like to be paid once the insurance company processes your claim. Remember to have the participant's social security number, plan name and case number, as well as your social security number ready for the customer service representative so that they are better able to help you. The former managers are still covered by Lucent's group life insurance, and no change has been made to their health care coverage at this point. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. In the article below, Arto Sirvio, Nokias director of pensions, tells Carlo Svaluto Moreolo how the communication and information technology company manages a large portfolio of pension plans. Note: Some retirees may be eligible for Medicaid or other employers coverage.Consumers Report has an explanatory document on health care exchanges enrollment. There are multiple survivor options to choose from for the monthly pension, but all are only available for a . We wrote in the last paragraph of the letter: , In striving to become globally competitive, U.S. companies have aggressively reduced or eliminated welfare benefits of retired single-payer defined benefit plan participants. Copyright Lucent Nokia All Rights Reserved. Reprinted from January 2018. Please email CA.ITHelpDesk@lucenthealth.com if you have forgotten your username or need to have your password reset. Go to the blue login box in the upper right hand corner and log in to Member Benefits, where you can check your eligibility and claim status. Concept of financial investment, economy growth and bank savings. Click for Nokia information available at Your Benefits Resources Changes and costs for 2022 are, How to Guide This Page Helps You Find Health Care Plans to Meet Your Needs, State Health Insurance Help Programs Provide Individual Assistance. To search for a combination of terms, use quotations and the & symbol. PHONE. The NRLN has developed awhitepaperand is lobbying Congress for legislation to protect retirees in corporate mergers, acquisitions and spin-off. You can find detailed instructions for naming a beneficiary or changing a previously named beneficiary with our online serviceMy Pension Benefit Access (MyPBA). Bill, Joe and Alyson Parker, NRLN Executive Director met with Nokias Vice President for Human Resources, Nokias lobby firm and members of the American Benefits Council (ABC) in 2018 to discuss a Nokia proposal for changing the pension funding threshold from 125% to 110%, how it could help Nokia afford funding for life insurance and yet assure continued pension benefits for Lucent/Nokia retirees, and how best to make a case Congress might accept. TTY/ASCII users may call 711. www.uhc.com Any interest earned on the death benefit before it's paid out is considered taxable income. Members Retirees Use our retirement estimate calculator to estimate your future retirement benefits and benefits to your loved ones upon your death. 1-800-872-7136 For retirees, let me suggest that the most important resolution you can make for the year 2023 is STAY ON YOUR FEET! (NOTE: Not all employers under the Local Governmental Employees' Retirement System have elected to . You must be the surviving spouse, legal partner, child, parent, or executor/administrator of the veteran's estate. Phone: (800) 296-3993 BIs Article search uses Boolean search capabilities. Their results have been driven by consistent innovation and strong execution, and their people are the cornerstone of their continued success. TTY/ASCII users may call 711. If you are eligible for Basic Life Insurance, you will automatically receive coverage at no cost. Last week retirees received the first official notice of the lump sum offering. Management/Non-Represented Plan Design Retirees, Learn how to access the online beneficiary designation process here. The spouse may be eligible for the Basic Employee Death Benefit, which is equal to 50% of the employee's final salary (average salary, if higher), plus $15,000 (increased by Civil Service Retirement System cost-of-living adjustments beginning 12 . Secure .gov websites use HTTPS To this end, Nokias business grows through a combination of organic growth, acquisitions and strategic investments, and through the work of their people. Please go to PBGC.gov'sSpanish home page for more information available in Spanish. B. In an effort to restore profitability, struggling telecommunications equipment maker Lucent Technologies Inc. is discontinuing a special death benefit for its management retirees and has. The lobbying on Capitol Hill continued during NRLN Fly-Ins in the fall of 2019 and the spring of 2020. . The unions have until Feb. 7 to approve the new 20-month contract. Your Beneficiaries If you're eligible, you'll need to name one or more primary beneficiaries for your retiree life insurance. It was in 1967 that three companies, Nokia, Kaapelitehdas and Finnish Rubber Works, merged together to create a new Nokia Corporation. Washington, DC 20004-2601, Phone: 202-220-3172 | Toll-Free: 1-866-360-719 company continues to cut costs, according to a report by the Nokia also produces mapping, navigation and real-time guidance applications, and has a wide variety of other business segments, including security, location-based services, and licensing. This option is only available to spouses. NOTE: You must designate at least one beneficiary, and that beneficiary cannot be the same person named as your Survivor Beneficiary. Not Quite, GE Workers Threaten Strike over Health Care The death benefit provides a qualified mandatory beneficiary, i.e. Those emails from you were particularly important. The official website that provides answers to your questions and your needs is. Copyright 2023 Asset International, Inc. All Rights Reserved. The Nokia/UHC appeals page, NOKIA PLANS Read all the mailings you receive from Nokia, UHC PPO & Other Plans from BenefitAnswers Plus |. A death benefit today is unusual among our U.S. Military Retired Pay. To receive a survivor benefit, you must complete a beneficiary application for pension payments. This page has not been translated. Staff Representative Up to Until 1/1/2022, the beneficiary of . If you are not married and die before receiving your first pension payment, PBGC may owe you money at the time of your death. You may designate a beneficiary by completing an Contributory Designation / Change of Beneficiary (BEN-1) form. M-F: 8:00 a.m. 11:00 p.m. If you have mistakenly unsubscribed to one of our emails, you will no longer hear from us unless you re-subscribe. For detailed information on death benefits and options, visit the CalPERS website or CalPERS state safety member p ublication . Past 'o/P=H?33fcr:/hK-qka8kdZqc\XT_EDx' ^Ta]cy/=$i\?=d?([j2[T46h=PJ?+>$#}rD^DH$vd&acH`/hVOvm3"#FC>S[2p@.zDFO\h9STu+|#fP!7sp 5p%]X_8 Oql,Z&Zt{ESHlVE#UP:v{irRfX2D-vh`zt82d~(uSyfil 3&\\fO6\o83gsj%:k?=\{%x42? . Depending on your years of service, your retirement date and other criteria including but not limited to your employment legacy organization (e.g., Lucent, Alcatel, Nokia, etc. The NRLN is also advocating that original Medicare participants have access to the special benefits being offered in MA plans. Death Benefit #2: A lump-sum amount may be payable to the retiree's designated beneficiaries if the deceased was in Tier II, III, IV, or VI. The death of the covered employee, divorce, separation, or . The death benefit has been eliminated before. Adopting this nonpartisan pension legislation will help restore the faith of retirees, Joe Sciulli, PresidentLucent/Nokia Retirees Chapter NRLN. You may also use our online form to report a member death. 202-434-1301, (Submitted by Steve Brumbelow, our Healthcare Coordinator). In re Unisys Corp. Retiree Med. We receive frequent requests for dealing with the passing of a retiree or surviving spouse. Click here to make your contribution by credit card. Claim form Also known as a "request for benefits," this is where you fill out information about the policyholder, including their policy number and cause of death. You can speak to a Social Security representative between 8:00 a.m. - 7:00 p.m. Monday through Friday. The Evidence of Coverage (EOC) provides a complete list of services we cover. This coverage is funded by the life insurance trust. PPO has more benefits including Silver Sneakers gym membership, and free access to hearing aids at affordable rates. 1VA'vU83KH29m?7'fz 7lGxND7XShM=D3:p6am?FW(.8Ya?H'2VBZ3/rv Subject Matter Expert: Jill Musser, 814-865-1473, jmm60@psu.edu . Additional benefits In-network Out-of-network In-home non-medical care CareLinx $0 copay; Coverage includes 8 hours of in-home, non-medical care per month through provider CareLinx. ET For example, hurricane & loss. However, life insurance, paid for by the company, and If you are receiving a joint-and-survivor annuity, you cannot change the beneficiary designation you made at the time you applied for benefits. Glassdoor is your resource for information about the Accidental Death & Dismemberment Insurance benefits at Nokia. Legacy Alcatel -Lucent Pension and Cash Account Program (CAP) Nokia Benefits Resource Center (NBRC) 1-888-232-4111, 9:00 AM - 5:00 PM ET - Monday through Friday Legacy Nokia Pension - Siemens NSN Retirement Benefit Center 1-866-726-6646, 9:00 AM - 5:00 PM ET - Monday through Friday Ensuring they are financially secure in retirement is not something that can be overlooked by management boards. retirement and will apply to Lucent managers who retired If you have any questions about Policy HR 0307 Benefit in the Event of an Employee Death, contact Human Resources at 865-974-6642. January 8, 2003 (PLANSPONSOR.com) - As many as This takes a tremendous burden off the shoulders of our retirees and their families. If a Guaranteed Refund or monthly benefit is payable to a survivor, we must be provided with current address, telephone number, and a social security number before any payments are made. Recently Nokia announced it plans to transfer $316 million of the excess pension assets to pay for Group Life coverage for eligible Lucent / Nokia retirees. You may use these funds to pay for the cost of insurance during retirement. We have to take those steps that we believe will You can also name one or more contingent (secondary) beneficiaries, wholl receive benefits if all primary beneficiaries die before you. 445 12th Street SW We'll also need an original, certified death certificate. ), you may be eligible for Retiree Life Insurance coverage. Visit. Welcome to the National Retiree Legislative Network (NRLN) Podcast produced by and for Americas Retirees and those over age 50. Pension Recoupment: Until now, a company could recoup or recover pension overpayments made to a retiree when it discovered them, no matter how long it had been. Please Note: Currently, the Call Center takes a lunch break from 11:30 am to 12:30 pm. Social Security:Beginning in 2020, Social Security will pay more in benefits than it takes in from taxes and interest. Please allow 24 48 hours response time. . Skalko said the death benefit was first instituted in But for a company such as Nokia, which has about 100,000 staff and more than 200,000 retired employees, pensions can become a great challenge. children under age 23 and dependent parents. See the[Drug Plans]link. Benefits payable upon the death of an active member depend on: Date of separation from employment Eligible beneficiary Employer's contract with CalPERS Report a Member Death . In December of 2018, the NRLN forwarded its endorsement of changing Section 420 rules to members of congress and met with the Communications Workers of America Washington D.C staff. These cookies track visitors across websites and collect information to provide customized ads. If you do not enroll within your first 31 days of hire, you will need to wait to enroll until the next annual open enrollment, unless you experience a qualified coverage change event (new baby, marriage, divorce, etc.). Do not forget the Prescription Plan is totally separate from the Medical Plan. pension benefits are not affected, Lucent spokesman John Nokia Retirement Plan 220 employees reported this benefit 3.9 16 Ratings Available to US-based employees Change location Employee Comments Showing 1-10 of 16 Jan 18, 2023 5.0 Former Communications Specialist in nullnull well funded. We'll assume you're ok with this, but you can opt-out if you wish. Our goal is to reach a common understanding regarding this important issue so that when we are ready to resume bargaining several components of an overall agreement will have been reached. These cookies do not store any personal information. The Retirement System death benefit to which you were entitled as an employee, equal to the highest 12 months of salary in a row during the 24 months of service prior to your death, is payable to the eligible living beneficiary(ies) named by you for this purpose, if you die within 180 days of your last day of service. For questions and technical assistance with the eForm submission and ESS, contact the IRIS Help Desk at irishelpdesk@tennessee.edu. Unused hours do not roll over. Lucents life insurance policy pays a death benefit of one You can change your beneficiary at any time by completing the carriers online beneficiary designation process. Lucent/Nokia Benefits. Also, if you are entitled to or are receiving a survivor benefit when your plan ends, PBGC will continue to pay this benefit to you (adjusted for any guarantee limits) for the period provided by your plan. The Company is still trying to do away with the union. Medicare & Medicare Advantage:Original Medicares Hospital Insurance program (Medicare Part A) is pointed toward insolvency by 2026. It must be understood that the explanation in this website cannot alter, modify, or otherwise change the controlling legal documents or N.C. General Statutes in any way, nor can any right accrue by reason of any statement or omission of any statement in this website. Learn about your retirement benefits . PBGC makes two distinct types of payments that your beneficiary could become eligible to receive. To search specifically for more than one word, put the search term in quotation marks. In October, the company said it would lay off available 24 hours a day, 7 days a week, United Healthcare (Medical Benefits (65)) You will also have an opportunity to elect coverage under the $10,000. The CWA, IBEW and Alcatel-Lucent have signed an agreement that extends 2004 Postretirement Medical and Dental Benefits and the Group Life Insurance Pan for Retired Employees from its current December 31, 2014 date through to December 31, 2016! This penalty is substantial and will only get bigger each and every year. House Votes to Overturn Rule Allowing ESG Investing in Retirement Plans, SS&C Hires Nelson From Tata Consultancy as Retirement Business COO, Senate Follows House in Rejecting DOL ESG Rule, End Of The Road For Defined Benefit Plans? Choosing where to invest money savings. Learn More . The existing HRA is in place for Medicare retirees until 2023. layoffs. Management retirees may select the health and prescription drug plans offered by Nokia - a Medicare Advantage PPO plan from United Healthcare that uses a network of providers, with options to use doctors and hospitals out-of-network. ATT-Exchange Communication 1 2014 (90.7 KiB) CWA/AT&T Health Benefits Coordinator Kim Wilburn Phone: (614) 868-2215 Email: kwilburn@ems.att.com Many retirees have Nokia life insurance administered by Met Life Health insurance Many retirees have insurance through Nokia-sponsored plans Some survivors may have continuation rights Prescription Drug Plans Many retirees have Medicare Drug Plans through Nokia-sponsored plans Dental Plans Retirees may have opted for a Dental Plan by Aetna What are your Medicare option in Addition to Medicare Part B? Also, the AFN will be simplified by moving all relevant data to a table on the front page. A lock icon or https:// means youve safely connected to the official website. If, for example, after a participant's death PBGC discovers that we had been paying too little each month, we will pay the balance owed plus interest to a beneficiary. webmaster@nrln.org. Individual appointments are available to retirees who desire a one-on-one review of their supplemental benefit reimbursement. Beneficiaries have the option to receive death benefit proceeds as a lump-sum payment or a continuation of regular payments. Find the right resources to contact with your questions. The PPO as of today, is the best plan we have had in the 22 years of my doing this job, based on the number of complaints and the number of appeals I am having to deal with. In the article below, Arto Sirvio, Nokia's director of pensions, tells Carlo Svaluto Moreolo how the communication and information technology company manages a large portfolio of pension plans. shareowners.. To report a death: Phone 1-800-729-7526, press option 3 to report a death. benefits, and retirement during 2012 for other to read and share back. Appointments are available virtually with the Retiree Division staff online and by telephone. American reserves the right to amend or terminate the retiree medical plan at any time. She and her Committee staff were very influential in getting the NRLNs proposals into a Senate bill on pensions that were included in the omnibus bill. Those emails from you were particularly important. You can revoke your consent to receive emails at any time by using the Unsubscribe link, found at the bottom of every email. At the February 2019 NRLN Fly-in to Washington, DC, NRLN members lobbied for the Section 420 transfer amendment in Congressional offices. We will keep monitoring the pension trust numbers in 2023. Several of you have written me asking about a cost of living raise in the pension. Their Web Sites List All Medicare Supplement, OPEN ENROLLMENT FOR 2022 IS CLOSED Use links below to help learn more about your Nokia or Medicare Health Benefits Help for Your, State Health Insurance Help Programs Provide Individual Assistance. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. Welcome to the assistance page for Nokia Employee Benefits Center | Alight | Retiree | Resource | digital.alight.com/nokia: Company Benefits Center Phone Number: 1-888-232-4111 or Call: 1-212-444-0994 if calling from outside the United States, Puerto Rico, or Canada, Added Benefits Customer Service: 1-800-622-6045, EAP Counselor Contact Line: 1-800-327-7348. Based in Washington, D.C., the National Retiree Legislative Network (NRLN) is the only nationwide organization solely dedicated to representing the interests of retirees and future retirees. y$DV]vvl^og~7gc8,6MLQ2 = a+O/>+f_R>|Y.^Dma\`_L9|cydex,bxRQ*WgV]*0p(Rs(-BS'ISE.+oEy|YaY[{42Q(]l`ey#wwwo%+s-Z3"d . With the new law, the company does not have an obligation to recoup; But if it does recoup: Section 420 Transfers: This IRS provision was about to expire, but this legislation has extended it. assist us in returning to profitability as soon as Pension Annual Funding Notice: Before this new law, pensioners received their AFN and it failed to provide a clear picture of how well their pension plan was funded. They point out that retirees prior to 3/1/90 do not pay for healthcare and life insurance. Argentina Australia Belgi (Nederlands) 1998. Pension plans provide retirement income to employees or result in a . Press Release Nov 25, 2022, Nokia launches Core Software-as-a-Service for 5G Via News Wire Feed; Light Reading ~ Nov 09, 2022, Entering the Fiber for Everything era with Nokia Lightspan MF-14Light Reading ~ Oct 27, 2022, Nokia optical transport to upgrade Chinas power gridVia News Wire Feed; Light Reading ~ Oct 26, 2022, Nokia hails 5G growth but shares dip on uncertain outlookBy Iain Morris; Light Reading ~ Oct 21, 2022, Nokia sees improved 3Q profit, sales on strong demand for 5GtodayThe Associated Press ~ Oct 20, 2022, Nokia IP platforms to enable 400GE and 800GE access and interconnection servicesVia News Wire Feed; Light Reading ~ Oct 19, 2022, Nokia introduces SDN virtualization for fiber broadband deploymentVia News Wire Feed; Light Reading ~ Oct 19, 2022, Nokia to build ICT and cyber security R&D hub in OttawaVia News Wire Feed; Light Reading ~ Oct 17, 2022, Nokia announces worlds most advanced fiber broadband platformVia News Wire Feed; Light Reading ~ Oct 17, 2022, Nokia partners with ESnet to launch terabit next-gen IP networkVia News Wire Feed; Light Reading ~ Oct 13, 2022, Nokia expands private wireless capabilities in North AmericaVia News Wire Feed; Light Reading ~ Sep 08, 2022. When you call, you will need the following information: Once you call PBGC with this information, we will send you a letter requesting a copy of the death certificate. By using this form, you acknowledge that you have read and agree to the Privacy Policy and Terms & Conditions. Through the Council, CWA retirees have input into key retiree programs as they are shaped through contract negotiations and or legislation. We're here to help. The risk doubles or triples in the presence of cognitive impairment or history of previous falls. PBGC makes three distinct types of payments to beneficiaries. The Kaiser Foundation has a calculator that provides an estimate of your subsidy if you sign up for healthcare exchange insurance. Over 98% of all Medicare eligible Retirees are in the PPO plan. Named one of the worlds most reputable companies for corporate responsibility in 2019 by Forbes, Named one of the Worlds Most Ethical Companies in the telecommunications category in 2018 by Ethisphere, 2016 Frost & Sullivan Excellence in Best Practices Awards, Nokia gets the Gold recognition in CSR by EcoVadis in 2016. All Rights Reserved. GE Workers Threaten Strike over Health Care 1 Beneficiaries receive the death benefit payment free of ordinary. Retirees can use the YBR website for benefit-related activities such as: Enrolling in Nokia's health and welfare plans (e.g., medical and dental); Making and/or changing Nokia Savings/401 (k) Plan elections; Updating dependent or beneficiary information Projecting pension benefits and/or electing to commence pension benefits. Asbury (NJ) Park Press. Lucent is now looking to cut costs anywhere Nokia and Global Connect demonstrate record 1.2Tb/s coherent transmission over a single wavelength in live network, Nokia launches next gen coherent optics to reduce network power consumption by 60 percent, Nokia, DOCOMO and NTT make two key 6G advances #MWC23, Nokia expands Lab-as-a-Service solution to accelerate the digital transformation of enterprises, Nokia to publish fourth-quarter and full-year 2022 financial report and provide Group Progress Update on 26 January 2023, Nokia Corporation: Repurchase of own shares on 18.01.2023, Nokia AVA PDDR solution deployed by KDDI to boost network quality, TVA Releases 2022 Annual Report Spotlighting a Stronger Future. Their answer is that there are no plans for a cost-of-living raise. You can enroll in retiree medical coverage any time after retirement, up to the age of 65. Adopting this nonpartisan pension legislation will help restore the faith of retirees, LUCENT RETIREE ISSUES BEING PURSUED BY THE NRLN. CWA Telecommunications and Technologies Further, the move to eliminate the benefits was What You Need to Know When You Get Retirement or Survivors Benefits; Benefits for same-sex couples; Amount of survivors benefit; Schedule of . Lucent/Nokia Retirees Chapter members had a significant role in this accomplishment because you are often #1 or #2 in sending the largest number of NRLN Action Alert emails to your members of Congress. This simple phrase has two meanings and they are both relevant. Another article from the Mayo Clinic outlines some simple tips for avoiding falls. Survivors can report the death of a retiree by using our online death report form, or they can call 866-805-0990 and press 3 and then 1. management employees who retired on or after January 1, Suggestions and comments about this website should be addressed to webmaster@nrln.org. https://www.rentalperks.com/employee-discounts/nokia-corporation. If you die and dont have a beneficiary on file, or if your primary and contingent beneficiaries have died before you, the benefit will be paid according to the Plans rules. made to the retiree. before January 1, 1998. Lucent also has negotiated a new contract with members of the Communications Workers of America and the International Brotherhood of Electrical Workers that would increase copayments on their health plans from $10 to $20, a Lucent spokesman said. If you are married and die before you receive your first pension payment, PBGC will pay your surviving spouse a survivor benefit. However, the most prominent issue is Section 420 Transfers. Retirees of AT&T AT&T Retiree Health Care Legacy AT&T - CWA Legacy T ratified a four-year agreement, covering 14,000 workers. the number is:1-888-232-4111, toll free. When you call, you will need the following information: Once you call PBGC with this information, we will send you a letter requesting a copy of the death certificate. The NRLN opposes the use of MA plans to privatize Medicare. If your benefit does not provide survivor benefits, you may still name someone to receive any money that may be owed to you at the time of your death. Quick Links. Projecting pension benefits and/or electing to commence pension benefits. Welcome to Benefits Info for Lucent Retirees The pages are provided for your information and guidance by the Lucent Chapter Benefits Team. Welcome to Benefits Info for Lucent Retirees. 2. In 2017, Joe Dombrowski, president of the LRO, and the LRO board requested that Nokia restore funding of the life insurance trust, which was in danger of being insolvent in a few years. Consequently, we have created a document that focuses on communicating with Nokia benefits and pensions, along with links to websites with checklists for other family issues. Click for Nokia information available at Your Benefits Resources Changes and costs for 2022 are. Death Benefit decision. Recoupment is when a pension plan sponsor finds an error in the pension payment calculation and forces a retiree (some Lucent retirees have experienced this) to pay back thousands of dollars and suffer a cut in his/her pension benefit. you may be eligible for COBRA coverage for up to 36 months. The lump sum death benefit credit under CSRS paid to survivor (s) of a deceased CSRS or CSRS Offset employee or annuitant consists of the unrefunded amount the following: (1) CSRS contributions that were withheld from the deceased employee's salary through all the years the employee was a full time or part time permanent employee; Advertisement. Visit our Contact Us page for more information. You may need to consider a commercial Medicare prescription drug plan. Life insurance has become more pervasive, and more necessary in Lucents continued quest for profitability, Appeals: If your dealings with your Medicare plan are unsatisfactory on coverage or reimbursement, you are entitled to file an appeal.

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