Short-Term Disability Appeal Letter: How To Draft It Right!

Key Takeaways

  • Understand why your short-term disability claim was denied.
  • Gather relevant medical documents and any additional evidence.
  • Structure your appeal letter clearly: Introduction, Explanation, Evidence, Conclusion.
  • Be factual and professional in your tone.
  • Submit the appeal within the deadline set by your insurance policy.

Writing an effective short-term disability appeal letter is crucial if your initial claim has been denied. This process can be overwhelming, but with the right guidance, you can construct a compelling appeal that increases the likelihood of a favorable outcome. 

In this step-by-step article, we’ll provide you with insights into crafting an appeal letter that stands out, including a template to get you started.

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Step 1: Understand the Denial

Before penning your appeal letter, it’s imperative to fully grasp why your short-term disability claim was denied. Review the denial letter from your insurance company and take note of the specific reasons for the rejection.

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Step 2: Gather Your Evidence

Collect all relevant medical records, doctors’ notes, and any additional evidence that supports your claim. This information will be the backbone of your appeal.

List of Documents to Gather:

  • Denial letter from the insurance company.
  • Relevant medical records
  • Doctor’s statements.
  • Proof of treatment and medications.
  • Any additional evidence supporting your disability

Step 3: Start Your Letter with the Basics

Begin your letter with the essential information:

Introduction Template:

[Your Name]
[Your Address]
[City, State, Zip Code]
[Phone Number]
[Email Address]

[Insurance Company Name]
[Claims Appeal Department]
[Insurance Company Address]
[City, State, Zip Code]

Re: Appeal for Short-Term Disability Claim
Policy Number: [Your Policy Number]
Claim Number: [Your Claim Number]
Date of Denial Letter: [Date on Denial Letter]

Step 4: State Your Case Clearly

In the opening paragraph, clearly state that you are appealing the denial of your short-term disability benefits.

Opening Paragraph Example:

Dear Claims Appeal Department,

I am writing to formally appeal the denial of my short-term disability benefits. I received your letter dated [insert date of denial letter], and after reviewing the reasons for denial, I believe that my claim warrants a second evaluation based on additional evidence and information I have provided within this appeal.

Step 5: Present the Explanation and Evidence

After the introduction, move on to explain your disability and the reasons why you believe the denial was incorrect. Attach all the evidence you’ve gathered to reinforce your claim.

Evidence Presentation Example:

In the letter of denial, the main reason provided for the rejection of my claim was [insert reason for denial]. However, I believe this decision does not fully consider the medical documentation and the professional opinion of my healthcare provider [Doctor’s Name], who has deemed me unable to work due to [insert condition].

Bullet Point List of Evidence to Include:

  • A detailed explanation of your medical condition.
  • Any discrepancies in the denial you wish to address.
  • Professional medical opinions supporting your inability to work.
  • Any additional documentation not previously provided.

Step 6: Conclude with a Call to Action

Conclude your letter by requesting a thorough review of your appeal and state that you are willing to provide any further information needed.

Conclusion Template:

I kindly request a re-evaluation of my claim and welcome any requests for additional information or clarification needed to process this appeal. I am confident that upon review of all the submitted documents, you will reach a favorable decision. I look forward to your prompt response.


[Your Name]
[Attachments: List of documents]

Step 7: Proofread and Submit

Finally, proofread your letter for any errors and ensure all attached documentation is in order. Submit your appeal letter following the instructions provided by your insurance carrier, ideally via certified mail or another method that provides proof of delivery.

Tips for Success

  • Adhere strictly to any deadlines for submitting your appeal.
  • Keep the tone professional and avoid displaying emotions, even if you feel frustrated.
  • Maintain a clear and concise narrative throughout the letter.
  • Always keep a copy of every document you send for your own records.

Frequently Asked Questions (FAQs)

Q: What is a short term disability appeal letter? 

Answer: A short-term disability appeal letter is a written document submitted by an individual who has had their short term disability claim denied. It serves as a formal request to the insurance company to reconsider their decision and provide the benefits that the individual believes they are entitled to.

Q: What should be included in a short term disability appeal letter? 

Answer: A short term disability appeal letter should include the following:

  1. Clear identification of the individual’s name, address, policy number, and claim number.
  2. A statement expressing the intent to appeal the denial of short-term disability benefits.
  3. A summary of the reasons for denial as mentioned in the denial letter.
  4. Additional medical evidence supporting the claim, such as updated medical records, test results, and letters from healthcare providers.
  5. Clarification of any misunderstandings or misconceptions regarding the information presented in the initial claim.
  6. A request for a reevaluation of the case in light of the new evidence provided.
  7. Contact information for the individual, in case further communication or information is required.

Q: How should a short term disability appeal letter be structured? 

Answer: A short term disability appeal letter should follow a formal and organized structure. It typically includes:

  1. A professional and formal introduction, clearly stating the purpose of the letter.
  2. Body paragraphs addressing each reason for denial individually and providing supporting evidence and clarifications.
  3. A conclusion summarizing the appeal and expressing confidence in the strength of the case.
  4. Contact information and a polite request for reconsideration. It is essential to maintain a respectful and cooperative tone throughout the letter.

Q: What is the importance of providing additional medical evidence in a short term disability appeal letter? 

Answer: Additional medical evidence is crucial in a short term disability appeal letter as it helps strengthen the case. It provides updated and comprehensive information about the individual’s condition, its severity, and the medical necessity for short-term disability benefits. 

This evidence helps demonstrate that the initial decision was based on incomplete or inaccurate information and increases the chances of a successful appeal.

Q: How should one follow up after sending a short term disability appeal letter?

Answer: After sending a short term disability appeal letter, it is important to follow up with the insurance company to confirm receipt of the letter and to inquire about the review process timeline. 

Maintaining regular communication allows individuals to stay informed of any updates, provide any additional information if needed, and ensure that their appeal is progressing accordingly.

Q: Can seeking legal advice be helpful when writing a short term disability appeal letter? 

Answer: Seeking legal advice can be beneficial when writing a short term disability appeal letter, especially if the case is complex or if previous appeals have been unsuccessful. 

An attorney specializing in disability law can provide guidance, review the letter and supporting documentation, and offer insights based on their expertise, increasing the chances of a successful appeal.