FILING A CLAIM CLAIMS FOR ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS When there has been a Covered Loss, notify Us by calling 1-866-548-7139. This notice should be given to Us as soon as is reasonably possible but in any case within 20 days of the Covered Loss. The claim form will be sent to You or the beneficiary or beneficiaries of record. The claim form should be completed and sent along with Proof of the Covered Loss to Us as instructed on the claim form. If You or the beneficiary have not received a claim form within 15 days of giving notice of the claim, Proof may be sent using any form sufficient to provide Us with the required Proof. The claimant must give us Proof no later than 90 days after the date of the Covered Loss. 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. When We receive the claim form and Proof, We will review the claim and, if We approve it, We will immediately pay benefits subject to the terms and provisions of this certificate and the Group Policy. The benefit amount may be reduced by the amount of any due and unpaid premiums outstanding at the time We make payment. Time Limit on Legal Actions. A legal action on a claim may only be brought against Us during a certain period. This period begins 60 days after the date Proof is filed and ends 3 years after the date such Proof is required. GCERT2024-WSHCA-WA-LIFE-EMPLOYEE1 83