After an insurance company makes a decision to deny your disability claim, they will send you a letter informing you of their decision. The letter should tell you why your claim was denied, as well as how long you have to let them know that you intend to appeal their decision, and how long you have to provide any new evidence you may wish to submit.
After a careful review of your case file and insurance policy, you may feel the insurance company made a mistake in denying your claim. You may also have new evidence that further supports your claim. Whatever the reason, federal law gives you the right to appeal the insurance company’s decision.
Tips On How to Write A LTD Denial Appeal Letter
The first step in this process is to notify the insurance company that you intend to appeal their decision by sending them a letter of appeal. Here are some tips on how to write a long term disability appeal letter:
To begin with, state your name, contact information, policy number, and case or claim number.
Begin your letter by stating that you disagree with the insurance company’s decision and intend to appeal their decision.
Next, you need to provide a detailed response (with supporting evidence) as to where the insurance company made a mistake in denying your claim and why they need to reconsider their original decisions. The more information you provide, the better. This appeal letter is your final opportunity to submit additional evidence for consideration.
The letter should be written in a business letter format, using clear and concise language. Be as truthful as possible. Your arguments for disagreeing with the insurance company’s decision should be conveyed in a logical and persuasive manner without being rude or threatening. Review the letter carefully to ensure it doesn’t contain any errors and you touch on all the points you have an issue with.
In most cases, you only have 180 days in which to submit your long term disability appeal letter. Use certified mail or fax to ensure you have a record of when your letter was sent. Follow up with the insurance company to confirm they’ve received your letter.
If you want to know how to format your letter, there are many online examples to help. Try searching “sample disability appeal letter long term” or, even better, contact an experienced LTD benefits attorney. They’ll know how to write a long term disability appeal letter that lets the insurance company know you mean business.
We Know How to Write A Long Term Disability Appeal Letter That Gets Results
Federal law gives you the right to appeal an insurance company’s decision to deny your claim for long term disability benefits, but you only have a limited time to act. Don’t waste this period on trying to figure out where you went wrong the first time — get professional help from an experienced disability benefits lawyer.
The ERISA appeals process starts with your appeal letter. If you don’t know how to write a long term disability appeal letter, Marc Whitehead & Associates can help. The Houston LTD benefits attorneys at Marc Whitehead & Associates have helped clients all over the U.S. who have had their claims for disability benefits unfairly denied or delayed by an insurance company. We are prepared to represent you through every phase of the appeal process — all the way to Federal Court, if necessary. We’ve prevailed against Prudential, the Hartford, Aetna, Liberty Mutual, Humana, and other major insurance companies.
If your claim for disability benefits has been denied, don’t hesitate to call Marc Whitehead & Associates to schedule a free, no-obligation initial consultation to discuss your claim.