I am Robert T. Obtain a Copy of Your Insurance Policy In addition to your claim file, you will benefit from having a copy of your long-term disability insurance policy. Dear Mr. An approval by State Disability, Worker's Compensation, Social Security Disability, a disability retirement plan, CalPERS or any other source of disability related income is valuable evidence you can use to prove your inability to work.
Write Your Long-Term Disability Appeal Letter By now you should understand why you were denied, what evidence is missing, where to get it, and how it all applies to your appeal.
If you do appeal in time and the insurer again denies your claim, when you sue the insurer you will not be able to submit any evidence of disability beyond what you submitted during your claim process and appeal.
Not only will you not get your benefits approved, but you may also cost yourself the ability to sue your disability insurance company. Wondering whether a piece of evidence is worth including in your appeal?
She has undergone surgery to remove the tumor. DO NOT send your documents in by regular mail, and try and stay off the phone as much as possible. She applied for disability, was denied and is now appealing.
As long as it is submitted in time and states that you are appealing, the letter is adequate.