Denial Letter Completeness Audit: What They Must Tell You and Did Not
Check whether a denial gives reasons, evidence and appeal steps.
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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.
Audit a denial letter. The letter, pasted in full: [DENIAL_LETTER]. The type of decision (insurance, benefit, refund, permit, platform): [DECISION_TYPE]. What I asked for: [MY_REQUEST]. The rules or policy the decision-maker published about decisions: [PUBLISHED_RULES]. Check whether the letter states: the decision and date; the specific reasons; the rule or policy relied on; the evidence considered; what was missing; how to appeal or review; the deadline; the contact; and whether it addresses all parts of my request. Make a table with Item, Present or missing, Quote, and What I should ask for. Provide a list of questions to send to the decision-maker to obtain what is missing and a short request for a full explanation. Add a calendar entry with the appeal deadline using the date of the letter, showing the arithmetic and marked [VERIFY] for how the period is counted. Do not say what the law requires. Suggest an advice service for complex decisions. I want help, not legal advice. Quote no statute from memory. Use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] as given. Flag where I need expert help. Threaten nothing beyond lawful steps.
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