select   lcpedseq, dtbeneff, dtbenexp, dtclaimfrmyr, dtclaimtoyr, nstatus
FROM     cl
WHERE    strpolnbr = :b
AND      (   dtbeneff <= :b1
          OR :b1 IS NULL 
		  )
AND      nstatus <> 2
ORDER BY dtbeneff DESC,
         dtbenexp DESC,
         dtcreated DESC


Execution Plan
----------------------------------------------------------
   0      SELECT STATEMENT Optimizer=CHOOSE (Cost=14 Card=3 Bytes=174)
   1    0   SORT (ORDER BY) (Cost=14 Card=3 Bytes=174)
   2    1     TABLE ACCESS (BY INDEX ROWID) OF C
          L' (Cost=13 Card=3 Bytes=174)

   3    2       INDEX (RANGE SCAN) OF 'INDX_POLNBR_CPED_IDX' (NON-UNIQ
          UE) (Cost=4 Card=36)