Program Overview
	Medical/Prescription Drugs
	Dental
	Vision Care
	State Group Life Insurance
	Life and AD&D Insurance
	Long-Term Disability Insurance
	Flexible Spending Plan
	Employee Assistance Program
	Behavioral Health / Emotional Wellbeing
	Disability Insurance
	Administrative Information
	What Happens When...?

Appealing a Claim

For dental, vision care, life insurance and AD&D, and long-term disability benefits, if your claim is denied in whole or part, you will be notified in writing. The notification will include the reasons for the denial and any additional information required if you want to appeal.

You are entitled to appeal a claim that is denied. To appeal a claim, write to the insurance company within 60 days of the date you receive the denial notice and state the reasons why you believe your claim should not have been denied. Include any additional documentation that supports your claim. You may also submit questions or comments you think are appropriate, and you may review relevant documents. Generally, you will receive a written decision on your appeal within 60 days of the date your insurance company receives your request. If special circumstances require a delay, you will be notified of the extension during the 60 days following the receipt of your request.

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