LTD Denial Appeal Kit — ERISA 180-Day Response Pack

PRE-ORDER TERMS — $0 today. You pay nothing now and owe nothing ever. Reserve the kit free; it releases 2026-07-17. If it doesn't release, you've spent $0 and nothing is charged. This kit is educational organization material — NOT legal advice and not a substitute for an ERISA disability attorney.When a group long-term-disability claim is denied, two facts matter immediately: federal rules give you at least 180 days to appeal (your denial letter's date governs), and you have the right to request the insurer's entire claim file — free. Most claimants learn both too late. The free layer online is lawyer-marketing sample letters; the paid layer is contingency attorneys taking 25–40% of back benefits. This kit is the organize-and-understand layer in between. After release it lists at $29.What's inside (at release): "Is my plan ERISA?" decoder — employer group plan vs. individual policy vs. government/church plan, and why it changes everything Claim-file request walkthrough + letter template — exercising your 29 CFR 2560.503-1 right to the full administrative record 180-day appeal deadline tracker — date-math worksheet from your denial letter, with milestone checkpoints Denial-reason decoder — what "insufficient objective evidence," surveillance citations, and paper-review doctor language actually signal "Stack the administrative record" evidence checklist — what to get INTO the record before you appeal, because federal courts rarely look beyond it later Appeal-letter evidence framework — structuring the appeal around the denial's stated reasons, section by section SSDI cross-track pointer — why your LTD insurer pushes SSDI, how the two claims interact, and the offset basics Attorney-escalation checklist — the specific situations (final denial, lump-sum buyout offer, any-occupation cutoff, litigation) where you should stop DIY and retain an ERISA attorney Educational templates and checklists only — NOT legal advice, no outcome promised. ERISA group plans only.

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