This is an ongoing project to compile relevant information about claim letters and regulations for P&C insurance carriers. See something that needs to be changed or updated? Let us know at [email protected].

Regulatory Pulse

TXCatastrophe protocols active · Mandatory forms requiredAKCatastrophe protocols active · Mandatory forms requiredDECatastrophe protocols active · Separate P&C / life-health rulesLACatastrophe protocols active · Separate P&C / life-health rulesNJCatastrophe protocols active · Mandatory forms requiredNYCatastrophe protocols active · Separate P&C / life-health rulesRICatastrophe protocols active · Mandatory forms requiredVTCatastrophe protocols active · Separate P&C / life-health rulesCOCatastrophe protocols active · Separate P&C / life-health rulesNMCatastrophe protocols active · Separate P&C / life-health rulesALCatastrophe protocols active · Separate P&C / life-health rulesCACatastrophe protocols active · Separate P&C / life-health rulesFLCatastrophe protocols active · Separate P&C / life-health rulesGACatastrophe protocols active · Separate P&C / life-health rulesCTCatastrophe protocols active · Separate P&C / life-health rulesMECatastrophe protocols active · Separate P&C / life-health rulesNEMandatory forms required · Separate P&C / life-health rulesNHSeparate P&C / life-health rules · 3 key statutes trackedNCCatastrophe protocols active · Separate P&C / life-health rulesOKCatastrophe protocols active · Separate P&C / life-health rulesTXCatastrophe protocols active · Mandatory forms requiredAKCatastrophe protocols active · Mandatory forms requiredDECatastrophe protocols active · Separate P&C / life-health rulesLACatastrophe protocols active · Separate P&C / life-health rulesNJCatastrophe protocols active · Mandatory forms requiredNYCatastrophe protocols active · Separate P&C / life-health rulesRICatastrophe protocols active · Mandatory forms requiredVTCatastrophe protocols active · Separate P&C / life-health rulesCOCatastrophe protocols active · Separate P&C / life-health rulesNMCatastrophe protocols active · Separate P&C / life-health rulesALCatastrophe protocols active · Separate P&C / life-health rulesCACatastrophe protocols active · Separate P&C / life-health rulesFLCatastrophe protocols active · Separate P&C / life-health rulesGACatastrophe protocols active · Separate P&C / life-health rulesCTCatastrophe protocols active · Separate P&C / life-health rulesMECatastrophe protocols active · Separate P&C / life-health rulesNEMandatory forms required · Separate P&C / life-health rulesNHSeparate P&C / life-health rules · 3 key statutes trackedNCCatastrophe protocols active · Separate P&C / life-health rulesOKCatastrophe protocols active · Separate P&C / life-health rules

Long-Term Care & Disability / ERISA

Covers long-term care benefit determinations, disability claim decisions, ERISA-governed adverse benefit notices, file-access rights, and appeal procedures.

Playbook Overview

Category: long term care disability
Common Letter Types: acknowledgmentcoverage investigationfull denialpartial denialappealpaymentstatusclosing
High Complexity Jurisdictions: california new york

Last reviewed: March 30, 2026

Long-term care and disability claims involve ongoing benefit determinations and are frequently governed by ERISA, which imposes specific content requirements on denial notices and appeal procedures that override state insurance law for employer-sponsored plans.

Applicable Letter Templates

Appeal Response Letter
denial limitation closureappeal

Playbook Overview

Applicable Letter Templates

Appeal Response Letter