Long-Term Disability Appeal Letter
Appeal a denied long-term disability insurance claim.
When to Use This Template
Use this when your long-term disability claim has been denied by your insurance company. Under ERISA, you typically have 180 days to appeal. Include new medical evidence, vocational assessments, and address each reason for denial in the insurance company’s letter.
Get This Template
This template is included in the Workers Comp Social Security Appeal Letter Templates bundle with 7 other professional templates.
$15
Download All 8 Templates for $15Instant download · DOCX & PDF · Lifetime access
Want Every Template?
Get the Complete Letter Templates Library, 450+ templates across 61 categories for just $119.
Get Complete Library for $119Template Preview
Here’s the opening of this letter so you can see the format and tone. The complete, ready-to-send version, with every section written out, comes in the editable DOCX & PDF download.
[Your Full Name]
[Your Address]
[City, State ZIP]
[Date]
[Appeals Unit / Claims Review Department]
[Insurance Company Name]
[Appeals Address]
[City, State ZIP]
Sent via Certified Mail, Return Receipt Requested
RE: Appeal of Long-Term Disability Benefit Denial, [Your Full Name], Claim No. [Claim Number], Policy No. [Policy Number]
Dear Appeals Reviewer:
I am writing to formally appeal the denial of my long-term disability benefits, as stated in your letter dated [Date of Denial Letter], which I received on [Date Received]. This appeal is submitted within the appeal period stated in your denial letter and, to the extent this plan is governed by the Employee Retirement Income Security Act (ERISA), I request a full and fair review of the adverse determination.
You’re seeing a preview. The full letter continues in the download.
Get the complete, ready-to-send letter as an editable DOCX + print-ready PDF, with every [placeholder] laid out as a fill-in field, plus 7 more letters in the bundle.
Download All 8 Templates for $15Instant download · DOCX & PDF · Lifetime access
Secure Stripe checkout · Apple Pay & Google Pay · Refund policy: duplicates & technical issues covered
Not ready to buy? Start with 3 free templates.
Enter your email and we'll send the download link: a demand payment letter, formal resignation letter, and lease termination letter, in DOCX + PDF.
Important Disclaimer
This template is provided for informational and educational purposes only and does not constitute legal, financial, medical, or professional advice. Every situation is unique. You should consult with a qualified attorney or licensed professional before sending any formal correspondence, especially for matters involving legal rights, government agencies, financial disputes, employment issues, or family court proceedings. Use of this template does not create an attorney-client or professional-client relationship. Formal Letter Templates is not a law firm and does not provide legal services.