20 Appeals The Claims Administrator shall also provide written or electronic notice of an Adverse Benefit Determination on Appeal. This notice shall contain the informat ion listed i n subsections Initial Claims (a) through (h ) above , as well as: 1) A statement that the c laimant is entitled to receive, upon request and free of charge, reasonable access to and copies of all documents, records and oth er information relevant to the C laim. 2) In the case of a Final Adverse Benefit Determination for a Non - Grandfathered Plan, a discussion of the decision. When a c laimant receives an Adverse Benefit Determination , the c laimant has 180 days following receipt of the notification in which to request a review of the decision, unless a short er time is permitted by law. A c laimant may submit written comments, documents, records, and oth er information relating to the C laim. If the c laimant so requests, they will be provided, free of charge, reasonable access to, and copies of, all documents, records, and oth er information relevant to the C laim. A document, record, or other information sha ll be considered relevant to a C laim if it: a. w as relied upon in making the benefit determination; b. was submitted, considered, or generated in the course of making the benefit determination, without regard to whether it was relied upon in ma king the benefit determination; c. demonstrated compliance with the administrative processes and safeguards designed to ensure and to verify that benefit determinations are made in accordance with Welfare P rogram documents and Welfare P rogram provisi ons have been applied consistently with respe ct to all c laimants; or d. constituted a statement of policy or guidance with respect to the Welfare P rogram concerning the denied treatment option or benefit. For Non - Grandfathered Plans, the Claims Ad ministrator shall provide the cl aimant any new or additional evidence that is relied upon, considered , or generated by or at the direction of the Non - Grandfathered Plan. This new evidence shall be provided free of charge and must be provided to c laimant as soon as possible and sufficiently in advance of the time within which a Final Adverse Benefit Determination is required, to allow the c laimant time to respond. I f a F inal Adverse Benefit Determination will be based on a ne w or additional rationale, the cl aimant must be provided with this rationale as soon as possible and sufficiently in ad vance of the date on which the F inal Adverse Benefit Determination must be provided, in order to give the c laimant a reasonable opportunity to respond prior to that date. The Claims Administrator’s review shall take into account all comments, documents, records, and othe r information submitted b y the claimant relating to the C laim, without regard to whether such information was submitted or considered in the i nitial Adverse Benefit Determination . The review will not afford deference to the initial Adverse Benefit Determination and will be conducted by a