Templates
Coverage and position
Coverage analysis memos, reservation of rights letters, denial letters and partial denial letters, with worked examples showing the policy language applied to the facts found.
A coverage position is an argument, and an argument has a structure: the facts found, the policy provision engaged, the application of one to the other, then the conclusion — in that order, kept separate.
These are the documents most likely to be read by someone looking for a reason to challenge them. They are also where a blank template alone is least useful, which is why each carries a worked example showing the reasoning written out rather than asserted.
4 templates in this section
Reservation of Rights Letter Template & Example
A reservation of rights letter template with a filled-in example tied to specific facts, plus a section-by-section guide. Free Word download, no signup.
Template + worked example + .docx
Claim Denial Letter Template & Example
A claim denial letter template with a fully written example, each reason pairing its factual and legal basis, plus how to respond to a denial. Free Word download, no signup.
Template + worked example + .docx
Partial Denial Letter Template & Example
A partial denial letter template with a filled-in example separating what is paid, what is declined and what stays open, plus a section-by-section guide. Free Word download.
Template + worked example + .docx
Coverage Analysis Memo Template & Example
An internal coverage analysis memo template with a filled-in example keeping facts, provisions, application and conclusion separate. Free Word download, no signup.
Template + worked example + .docx