In addition to meeting other requirements, a person must file an application to become entitled to an annuity or lump sum. Filing an application will—
Permit a formal decision on whether the person is entitled to an annuity or lump sum;
Protect a person's entitlement to an annuity for as many as 12 months before the application is filed; and
Provide the right to appeal if the person is dissatisfied with the decision (see part 260 of this chapter).
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