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Short-Term Disability Benefits Demand Letter - ERISA Policy Dispute
I need a professionally drafted demand letter regarding my short-term disability (STD) benefits that were wrongfully terminated by my employer's third-party administrator. Key details: - My STD benefits were stopped on May 5, 2025, despite my compliance with all policy requirements - The policy specifically states for mental health conditions: "After thirty (30) days, a Participant's psychiatric or mental health condition must be certified by a Board-Certified Psychiatrist or Licensed Clinical Psychologist with a treatment plan in place for benefits to continue." - I have provided all required documentation from my licensed mental health provider - The administrator is demanding additional documentation beyond what's specified in the policy - I need a formal letter citing the policy language, documenting my compliance, and demanding reinstatement of benefits I will provide all relevant documentation, including the policy language, communications with the administrator, and communications with my employer's HR department. Requirements: - Review the complete policy to independently verify my compliance with its terms - Confirm whether the administrator's additional documentation requests exceed policy requirements - Draft a professional demand letter that cites relevant policy sections and demands reinstatement of benefits with back pay