What is the insurer's actual reason?
Rejection letters often blend several grounds in narrative prose. Restating the insurer's actual reason as discrete issue cards — late submission, no disability, pre-existing, missing evidence, non-disclosure, exclusion, offset, admin defect — lets your doctor and adviser respond point by point.
Purpose
Quoted clause vs everyday language in the letter.
Evidence the workspace should capture
Rejection letter, policy clauses cited, issue matrix from rejection explainer, chronology aligned to each ground.
Language map
Related terms — how this question connects to everyday, medical, functional, and policy language.