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If we decide we cannot backdate your claim we will explain the reasons for our decision in a letter.

You will then have the right of appeal against our decision not to backdate your claim.

The practice of allowing a mutual fund shareholder to use previous purchases of the fund's shares so as to qualify for reduced commission charges on subsequent purchases.

Corporations, however, have defended the practice of stock option backdating with their legal right to issue options that are already in the money as they see fit, as well as the frequent occurrence in which a lengthy approval process is required.Cases of backdating employee stock options have drawn public and media attention.According to a study by Erik Lie, a finance professor at the University of Iowa, more than 2,000 companies used options backdating in some form to reward their senior executives between 19.A claim may be backdated for a maximum of one month from the date of your claim (if you are working age), or three months (if you are of pensionable age).Your claim will be considered by a benefits officer.

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