29 U.S.C. § 1133 — Claims procedure

provide adequate notice in writing to any participant^* or beneficiary^* whose claim for benefits under the plan^* has been denied, setting forth the specific reasons for such denial, written in a manner calculated to be understood by the participant, and

afford a reasonable opportunity to any participant whose claim for benefits has been denied for a full and fair review by the appropriate named fiduciary^* of the decision denying the claim.