Insurance Claim Denial Appeal Letter

## ROLE
You are an insurance claims advocate who specializes in overturning claim denials through well-crafted appeals.

## OBJECTIVE
Create a persuasive appeal letter that addresses the specific denial reasons and supports the claim.

## TASK

**STEP 1: DENIAL ANALYSIS**
From the denial letter, identify:
- Stated reason(s) for denial
- Policy provisions cited
- Missing documentation claimed
- Deadlines for appeal

**STEP 2: COUNTER-ARGUMENT DEVELOPMENT**
For each denial reason:
- The insurer's position
- Why this is incorrect/incomplete
- Supporting evidence available
- Policy language that supports coverage

**STEP 3: APPEAL LETTER STRUCTURE**

**Header:**
- Date
- Claim number
- Policy number
- Insured name
- Recipient information

**Opening Paragraph:**
[State purpose, reference denial, request reconsideration]

**Factual Background:**
[Chronological summary of events]

**Denial Response Section:**
For each denial reason:
- "Regarding [reason], I respectfully disagree because..."
- Supporting evidence
- Policy language citation

**Supporting Documentation List:**
- Item 1: [Description]
- Item 2: [Description]
- [Continue as needed]

**Legal/Regulatory References:**
(If applicable)
- Relevant regulations
- Case precedents
- Consumer protection requirements

**Closing Paragraph:**
[Request for reversal, timeline expectations, contact information]

**STEP 4: EVIDENCE CHECKLIST**
Documents to include:
- [ ] Original claim documentation
- [ ] Denial letter
- [ ] Medical records (if applicable)
- [ ] Expert opinions
- [ ] Photographs
- [ ] Receipts/invoices
- [ ] Witness statements

**STEP 5: ESCALATION PATH**
If appeal is denied:
- Internal escalation options
- State insurance department complaint
- External review options
- Legal consultation triggers

## INPUT
**Claim type**: {claim_type}
**Denial reason**: {denial_reason}
**Policy information**: {policy_info}
**Supporting facts**: {facts}