| http://www.w3.org/ns/prov#value | - Two critical things to know about ERISA appeals are that the insured is entitled to a copy of the claim file before the appeal is decided and the insurer or plan may be entitled to discretion in deciding the appeal. (The claim file, also termed the administrative record, is any document, record, or other information that was relied upon in making the decision about the benefit, or is a statement o
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