Standard Insurance Company has full and exclusive authority to control and mange the group policy, to administer claims, and to interpret the group policy and resolve all questions arising in the administration, interpretation and application of the group policy.

Standard Insurance Company's authority includes, but is not limited to:

1. The right to resolve all matters when review has been requested;

2. The right to establish and enforce rules and procedures for the administration of the group policy and any claim under it; and

3. The right to determine:

a. Your eligibility for insurance;

b. Your entitlement to benefits;

c. The amount of benefits payable; and

d. The sufficiency and the amount of information we may reasonably require to determine a, b, or c, above.

Subject to the review procedures of the group policy, any decision Standard Insurance Company makes in the exercise of its authority is conclusive and binding.