If you fail to demonstrate total and permanent disability or in-line-of-duty disability, you will be notified by certified mail that the division intends to deny your application. The notice will include factual, legal, and policy grounds for the decision. You will then have 21 days to challenge the intended denial by submitting your written objections and evidence to the division, after which the division will have 21 days to respond.

You will be notified by certified mail, with a copy to your employer, if the division rejects your challenge. The final denial letter will explain the division’s final decision and will advise you regarding your appeal rights. The Division of Retirement will enclose an appeal form with your final disability denial letter.