How to read a denial letter
A denial letter is short, written in a hurry and easy to misread. These are the parts that matter.
Find the date
Look for the date on the letter and any phrase like "within so many days." The clock usually starts on the date of the letter, not the day you opened it. Write both on your calendar.
Find the reason
Insurers give one or more reasons: the injury isn't work related, it was reported late, the treatment isn't necessary, or you can go back to work. Each reason calls for different proof, so circle the exact words they used.
Find what you can do next
- Ask for a hearing, in writing
- Get your medical records
- Ask your doctor for a note about your work limits
- Keep opening the mail and answering calls from the insurer
What not to do
Don't ignore the letter, and don't sign a form that says you agree with it. A denial is the insurer's opinion, and a judge may see it differently.
Bring it to us
Send a photo of the letter. We will tell you how much time you have, even if you decide not to hire us. Rules differ by state, so this guide is general information, not legal advice.