Write the next sentence in the following story.

How to write an appeal letter for short term disability
Read your denial letter.
Your insurer should send you a letter explaining why you were denied short-term disability benefits. Read this letter closely and identify the reasons.

Pick from:
(1). Then, present evidence to support your argument. You should identify why you were denied.;
(2). Requests made by insurers often are unsupported or not meaningful. They could be made to appeal your claim.;
(3). Sometimes you might be rejected because you provided insufficient information. Alternately, you could be rejected because the policy doesn't cover your disability.;
(4). Most insurers won't acknowledge that you requested short-term disability benefits because you could need help with some things. If you had an accident or an illness, you probably cannot appeal the denial letter.;. The answer should be
(3).