If your insurer denies your STD benefits claim, you may submit an administrative appeal to the insurance company. There are strict deadlines for filing an administrative appeal. Your appeal can include new information about your disability, such as additional documentation from medical providers. The insurance company will then review the appeal and either uphold or reverse its original decision. After the insurance company makes a decision about your appeal, you may be able to sue the insurance company if you think they are wrongfully denying you benefits. It is advisable to speak to a short term disability lawyer when filing an administrative appeal. An attorney will be able to help you submit proper documentation of your medical condition and can help you weigh the pros and cons of a lawsuit if necessary.