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Sample Short Term Disability Appeal Letter
A Short-Term Disability Appeal Letter is a written document prepared by an employee who was denied proper insurance coverage to protect their financial standing during a temporary inability to do their job as a result of injury or illness. In case the insurance company refuses to protect the employee and the company and sends the former a letter that informs them there will be no compensation or its amount will be limited, it is the employee's right to fight for their insurance, often with the help of the employer.
Alternate Name:
- Short-Term Disability Denial Appeal Letter.
If you believe you have not received enough insurance benefits, the coverage was terminated too soon, the amount of benefits cannot cover your reasonable expenses, or you were denied insurance coverage altogether, you have the right to file an appeal as long as you manage to respect the deadline established by the insurer. You can download a Short-Term Disability Appeal Letter sample through the link below.
How to Write a Short-Term Disability Appeal Letter?
Follow these steps to compose a Short-Term Disability Appeal Letter:
- Indicate your full name, refer to the letter or notification you have received from your insurance company, and mention the reason you consider their decision incorrect.
- Briefly describe your disability - include several sentences, the rest of the information should be available to the insurer already or you can share it via supplemental documentation. Whether you have had an accidental injury in the workplace, became pregnant, or needed urgent surgery, your short-term disability can often be disputed and doubted by the insurer that may want to avoid awarding the benefits you are entitled to, so it is your duty to prove you have the need to receive compensation that replaces the earnings you are losing.
- Depending on the content of the denial you were sent in the first place, you may politely highlight the errors and oversights of the insurer, clarify the facts that were vaguely described in your first application, or tell the insurance provider about new test results or treatment that may make them reconsider the decision.
- Ask for a particular solution from the insurance company - they may have to award you benefits, extend the coverage, or compensate you for the expenses you had to bear paying out of your own pocket. If you think there is a good chance to collect benefits after the appeal, you can also add your bank account details.
- Whether you prepare your own statement from scratch or decide to customize a sample Appeal Letter for Short-Term Disability Denial, this document alone may not be enough to change the opinion of the insurance provider. You should attach medical records you have requested from your physician, statements from other doctors that have examined you and people that have witnessed the impact of a short-term disability on your physical and mental health, and police reports if the injury or illness was caused by the accident or criminal offense.
Still looking for a particular sample? Take a look at the related templates and samples below:
Download Sample Short Term Disability Appeal Letter
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