This page lists three turns, the messages you send to the AI one after another in the same chat, and then a check of the answer. Keep it open next to your chat. Each turn shows the next thing to paste, with the values you entered already filled in. Nothing is sent from this page, and your conversation stays in the AI tool you are using.
Paste the carrier's denial in full, including every stated ground and any cited provision.
The provisions the carrier relied on, plus the insuring agreement and any relevant definitions.
Documents, reports, photos, statements, and dates you can attach to rebut each ground.
The state whose law governs, and whether this is an ERISA-governed plan or an individual policy.
Carrier, adjuster or appeals unit, claim and policy numbers, and the date of the denial letter.
What was denied, which shapes the evidence and the review route.
Watch for these throughout
Appeal deadlines are unforgiving and vary by policy, by state, and by whether the plan is ERISA-governed. Confirm the deadline against the denial letter and the policy yourself. Never rely on a date the model supplies.
If this is an ERISA plan, the administrative record generally closes when the appeal is decided. Anything you leave out may never be seen by a court. Put it in now.
Many policies contain a suit-limitation clause shorter than the state statute of limitations, and an internal appeal usually does not toll it. Check before you rely on the appeal process.
Appealing on a ground the carrier never raised can invite it to assert that ground on remand. Answer what was denied; raise new theories only deliberately.
Health and disability appeals carry protected medical information. Confirm your firm's AI policy and the client's authorization before pasting records.