How to Appeal Denial of Short Term Disability Coverage

If you receive a denial of short-term disability coverage, don't give up on your application. It is quite common for an application to be denied, but you have some options. Your next step should be to file an appeal by following several important steps.

Things You'll Need

• Copy of short-term disability policy
• Medical records
• Test results
• Documentation of your disability

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Instructions

• 1

  Review the definition of short-term disability that is given in your policy, and make sure your disability meets the definition. Also review the procedure for appealing a denial.

• 2

  Consult with an attorney who is experienced in short-term disability claims.

• 3

  Make an appointment with your primary care physician for a re-evaluation of your condiiton, and make sure to request a copy of the medical record of this visit, as you'll want to submit this evidence with your appeal.

• 4

  With the help of your attorney, file a formal written appeal with your insurance company, carefully following the procedure outlined in your policy regarding deadlines and supporting documentation.

• 5

  Submit any additional documents not previously provided, such as medical records, test results and doctor's written opinions, to support your claim.