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If your claim that you are disabled within the meaning of your disability income policy is turned down, get:

  • The denial in writing.
  • An understanding of the insurer's appeal process.
  • The date by which the appeal must be made.

Consider hiring an attorney to do the appeal, or at least to advise you and review your documentation. A lot of money may be at stake.

If you go it alone, take the following steps. For details about each step, see the other sections of this document.

  • Step 1. Find out why your claim was denied.
  • Step2. Focus on the deadline for your appeal.
  • Step 3. Adopt a positive attitude and put reason and thought into all your contacts and letters.
  • Step 4. Obtain new information.
  • Step 5. Write a cover letter.
  • Step 6. Follow up.
  • Step 7. If your appeal is turned down again, don't give up.
  • Step 8. If all else fails, go to court.

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