When appealing for a specific long-term disability, there needs to be accuracy in both the mode of appeal and the information volunteered.
First, it is vital to understand why the appeal was denied in the first place. This form of insurance is designed to protect one against unforeseen illness or injury, which may leave one unable to work. Denial of such claim may cause detrimental emotional effects on the applicant. However, this may be appealed thus there is need to access specific information that pertains to a letter appealing to long-term disability.
The main issue that leads to a difficulty in compilation of the appeal letter is the documentation. Therefore, one needs to understand why the claim was denied first, work with the time limits set so as not to be overdue. This is mainly because this process is much of a legal process bound by time. Documentation of any and or all contact, which has been performed with the insurer. This should be accurate to avoid misinformation or misrepresentation of facts. As regards to this, follow up any communication made to enhance that the intended recipient has received it. Any new supporting information should be gathered and special emphasis lain on medical records evaluation.
With the documents in place, proceed to draft the appeal letter.
Begin by a brief overview of the position you are in, followed by an explanation of the evidence relates and shows you are disabled. This should pay close reference to the company insurance policy. Avoid personal opinions and remain focused towards getting the appeal approved. Threats are not necessary and should be avoided at all costs.
It is important to indicate your commitment towards getting the appeal approved while at the same time remaining polite and to the point. Conclude the letter with a notch of optimism and ensure that the letter is sent. A carbon copy should also be sent to the state’s department of insurance, on e to your attorney and if deemed necessary, one to the insurance commission. Once delivered, ensure you keep delivery notifications as evidence of delivery. All this should be done with time in mind since it is a law bound process.
First, it is vital to understand why the appeal was denied in the first place. This form of insurance is designed to protect one against unforeseen illness or injury, which may leave one unable to work. Denial of such claim may cause detrimental emotional effects on the applicant. However, this may be appealed thus there is need to access specific information that pertains to a letter appealing to long-term disability.
The main issue that leads to a difficulty in compilation of the appeal letter is the documentation. Therefore, one needs to understand why the claim was denied first, work with the time limits set so as not to be overdue. This is mainly because this process is much of a legal process bound by time. Documentation of any and or all contact, which has been performed with the insurer. This should be accurate to avoid misinformation or misrepresentation of facts. As regards to this, follow up any communication made to enhance that the intended recipient has received it. Any new supporting information should be gathered and special emphasis lain on medical records evaluation.
With the documents in place, proceed to draft the appeal letter.
Begin by a brief overview of the position you are in, followed by an explanation of the evidence relates and shows you are disabled. This should pay close reference to the company insurance policy. Avoid personal opinions and remain focused towards getting the appeal approved. Threats are not necessary and should be avoided at all costs.
It is important to indicate your commitment towards getting the appeal approved while at the same time remaining polite and to the point. Conclude the letter with a notch of optimism and ensure that the letter is sent. A carbon copy should also be sent to the state’s department of insurance, on e to your attorney and if deemed necessary, one to the insurance commission. Once delivered, ensure you keep delivery notifications as evidence of delivery. All this should be done with time in mind since it is a law bound process.
