Do I need short-term disability insurance if I have a high emergency fund?

Direct answer

You must submit a formal written appeal to the insurer’s claims department including new documentation that disputes the specific reason for the original denial.

California Department of Insurance consumer complaint and appeals procedures. For additional information about the formal appeals process, see the California Department of Insurance website.


What this means for you

You must submit a formal written appeal to the insurer’s claims department including new documentation that disputes the specific reason for the original denial.

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This page is informational and not a coverage guarantee or quote.

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