(1) If:
(a) a written application for an invalidity determination is made in accordance with section 22DF by, or on behalf of, a deferring member; and
(b) the Trust is satisfied that the deferring member would be unable, because of physical or mental impairment, to perform the duties of a member if he or she were still a member;
then the Trust may make a written determination to that effect.
(2) An invalidity determination takes effect on the day it is made, or on an earlier day specified in the determination (not being earlier than the day on which the application was made).
(3) If the Trust makes a decision refusing to make an invalidity determination, the Trust must give the applicant a written notice of the refusal.