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specifically explain the standards on which entitlement to a benefit is based, the unresolved issues that prevent a decision on the claim, and the additional information needed to resolve those issues, and the <strong>Claimant</strong> will be afforded at least 45 days within which to provide the specified information.", "In the case of a claim for disability benefits, if disability is determined by a physician chosen by the Administrator (rather than relying upon a determination of disability for Social Security purposes), then instead of the above, the Administrator will provide the <strong>Claimant</strong> with written or electronic notification of the Plan\u2019s adverse benefit determination within a reasonable period of time, but not later than 45 days after receipt of the claim by the Plan.", "If the claim has been denied or deemed denied, and the <strong>Claimant</strong> wants to submit the claim for review, the <strong>Claimant</strong> must follow the Claims Review 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