Write a winning longterm disability (erisa) appeal letter.

Filing an LTD (Erisa) appeal may seem like an overwhelming amount work. But, unless you submit a comprehensive appeal, you are unlikely to be successful. You need to convince the appeal specialist her co-worker in the claims department, who she may eat lunch with, made an error. To succeed, your appeal must be strategically developed to thoroughly address the insurance
company’s concerns and reasons for denial. Take the time needed to parse through all the information and documentation.
Start thinking about how to address the insurance company’s reasons for denial with counter arguments. Carefully develop
your arguments and support them with new evidence – these are the keys to success.
Write a winning Longterm Disability (ERISA) Appeal Letter.
Your letter should be written precise and concise, drafted in a persuasive and well-written manner with proper formatting. It
should be non-argumentative and contain clear language. Make it personal to your situation, detailed, and honest. Insurance
companies are suspicious of everyone who files a claim. They are paid to find exaggerations, inconsistencies, and false
information. Do not try to mislead the insurers. Stick to the objective research and facts you have at hand.
Though insurers and their requirements vary, letters should typically include:
The reasons the insurance company cited for your wrongful denial.
Now is not the time to be vague in your details. Many denials are based on the insurance adjuster’s perception of your injury. It
is your job to present all of the evidence so that it cannot be misunderstood.
Your specific coverage or policy’s language that
supports your disability claim, including all medical, financial, vocational, and legal case law that supports your position.
When writing your appeal letter, or even when simply documenting an appeal, consider attaching the following, even if it is not
requested:
Your medical condition. Thoroughly explain the objective and subjective testing you’ve undergone and how your
limitations prevent you from working. Specific reasons, with references to your policy where possible, why you believe your
disability claim is covered and, therefore, your denial is wrongful.
Contact information for you, your treating doctor, and anyone who can validate your symptoms, limitations, and disability.