Please choose the correct ending to complete the given sentence: Education and Communications: [header] How to write an appeal letter for short term disability [title] Read your denial letter. [step] Your insurer should send you a letter explaining why you were denied short-term disability benefits. Read this letter closely and identify the reasons.

Ending1: Then, present evidence to support your argument. [substeps] You should identify why you were denied. Ending2: [substeps] Requests made by insurers often are unsupported or not meaningful. They could be made to appeal your claim. Ending3: [substeps] Sometimes you might be rejected because you provided insufficient information. Alternately, you could be rejected because the policy doesn't cover your disability. Ending4: [substeps] 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.

Answer format: ending1/ending2/ending3/ending4