Moreover, "pre-judgment interest on a participant's claim must . . . accrue upon the denial of benefits." Gower v. AIG Claim Servs., Inc., 06-154, 2007 U.S. Dist. LEXIS 59136, at *13-14 (N.D. W. Va. Aug. 10, 2007). In accordance with the practice of other courts in this circuit, the Court awards pre-judgment interest at the rate of 7.00% per annum — the applicable rate under W. Va. Code § 56-6-31.