Here is what you should do if the administrator denies your claim: Call an experienced ERISA long-term disability lawyer to handle your appeal if you do not have an attorney already. Review the information provided by Sedgwick when they denied your claim - new federal rules require claims administrators and insurance companies to provide more detailed information when they deny a claim that more fully allows you to understand the basis for the denial. Add additional information to your file to address Sedgwick’s concerns and give your claim a better chance of being approved. As the claims administrator, Sedgwick also has the first-line responsibility to review your appeal. They get to decide whether they made a mistake in the first place, even if this seems like a formality that you have to go through before you can go to court.