Writing A Hardship Letter For Medical Benefit Extension

When you sign up to a health plan, it will have certain limitations on the types of treatment you can have, how often you can have treatment, and where you can go for that treatment. The result is that sometimes, you may either have to forego on the treatment or pay for it yourself. Both of these situations can cause undue hardship, which can possibly be avoided if you write to your health care insurance company to request for a medical benefit extension.

Tips on Writing a Hardship Letter for Medical Benefit Extension

You must at all times remember that this letter is a formal letter in which you are asking for help. This means that it has to be presented in the right format, be short and to the point, addressed to the right person, and free from grammar and spelling mistakes. The most important thing, however, is that it presents the insurance company with facts. They do not want to hear your life story or how emotionally affected you have been by the lack of therapy or your illness.

Starting the Letter

Start by indicating that you wish to request for a medical benefit extension under your existing health plan. Provide the name of your plan and your policy number. Explain what your plan currently allows in terms of therapy for a certain condition, and ask that an exception be made for you. Specifically, you need to ask for an extension.

Content of the Hardship Letter

State that something has occurred with regards to your medical condition, including the date. This could be an accident, major surgery, or a sudden illness, for instance. Explain how this situation has affected you on a practical basis, particularly if this also has had an impact on your finances. Again, make sure that you include documented evidence to support your statements.

Indicate the name and contact details of your physician and then state that he or she has recommended that you undergo a number of treatment sessions as a form of rehabilitation. If at all possible, you should ask for a letter from your doctor in which it is explained that the proposed therapy could have significant positive benefits for your condition.

Explain that your current health plan does not cover the number of sessions recommended by your physician. State that this means you would have to pay a certain amount towards the treatment yourself. Include copies of income stubs, bank statements, and other bills to further support the fact that you are unable to pay for this treatment out of pocket. Explain that, should you not be able to access the treatment, you will also be unable to work and that this will eventually lead to you needing to file for bankruptcy. Emphasize that this could be avoided if you be granted a medical benefit extension. But do be careful with this. You should not come across as feeling entitled for an extension, nor should you express any anger against your insurance company.

Hardship Letter For Medical Benefit Extension Example

{Your Name}
{Your Address}
{Your Phone #}


Dear {Insurance Representative}:

I am writing with regards to the benefits offered by my health plan, {plan and policy number}. My health plan currently only allows {maximum number} therapy sessions for {condition}, and I would like to request an extension of these benefits.

On {date}, I had {an accident/major surgery/injury}. The result was that {I can no longer work/I’m unable to move/I have to walk with a cane, etc.}. Aside from these restrictions, I also {list of debilitating or painful symptoms}. My doctor has recommended {number} {therapy type} sessions to rehabilitate and heal. It is {his/her} professional opinion that with this therapy, I could {positive projected result}. Enclosed is {his/her} statement.

Unfortunately, my health plan only covers {number} therapy sessions, meaning that I will be forced to pay {amount} out of pocket. Enclosed are my bank statements and income stubs to prove that I will be unable to meet these expenses, and therefore unable to continue therapy. If that is the case, I will be forced to {file for bankruptcy, go on disability, quit my job, etc.}. I am trying to avoid such extreme circumstances, and as such I am requesting an extension of my benefits to {benefits required}.

I hope that we can reach an agreement, as this therapy is medically necessary for me to continue as a functioning member of society. Thank you for your time and consideration.


{Sender Name}

Writing A Hardship Fund Application Letter

There are numerous situations in which you may need to write a hardship letter. Depending on your situation and which fund you are writing to, the things that have to be included in the letter will vary substantially. In the vast majority of cases, the letter is designed to appeal for funds to pay for an unexpected expense, such as a funeral, or to ask a creditor for an extension on costs. Either way, there are a number of key things that you have to include in your hardship letter.

How to Write a Hardship Fund Application Letter

The key thing to remember is that you need to be open and honest about your situation. If you have waited for a very long time with writing your letter, particularly if it is in relation to a loan or a mortgage, you also have to outline why you did not consider communicating with your creditor sooner. The letter should not be one in which you beg, but rather one in which you explain what is wrong, why you need help, how long you will need help, and what you aim to do in order to get back on track.

Checklist of Requirements

There are a few things that you have to remember to include in your hardship letter. It doesn’t matter whom you are writing it to. There are a number of criteria that you have to meet. Usually, you also have to follow a specific format. Hence, find out those requirements first. Your letter should, at the very least, include:

  • Your personal details
  • The date it was written
  • Your case or customer number, if you have one
  • The type of hardship request you want to make
  • Why you are in hardship
  • How you have tried avoiding being in hardship, and why this was unsuccessful
  • How you intend to improve your situation
  • Your gratefulness for the consideration given to you
  • Details of any documents that you have included to support your letter

Overall, your letter should be just one page long. Make sure that you ask someone to proofread it for you. You have to make sure that there are no mistakes in the letter.

When Can You Not Write a Hardship Letter

Hardship describes a situation in which you are truly not able to meet certain responsibilities due to situations beyond your control. You are not, for instance, in hardship if you spent your savings on a five star all inclusive vacation and then found that your mortgage monthly amortization cannot be paid. If you have voluntarily left your job or reduced your hours, if you chose not to have certain forms of common insurance in place, or if you are unwilling to remove certain unnecessary expenses from your budget, then it is unlikely that you will be accepted for a hardship grant.

Nobody wants to be in a situation where they need to write a hardship letter. However, certain situations do happen and it is important to know that help is out there for you. Writing a letter is not overly complicated if you follow the tips provided above.

Hardship Fund Application Letter Example

{Phone #}


Dear {Hardship Fund board/administrator}:

I would like to apply for financial relief under the {name of hardship fund}. As an {employee/union member}, I realize the {strike/work stoppage/temporary layoff} was necessary. However, our family just doesn’t have the financial cushion to weather the time without a paycheck.

Our savings and monetary resources are limited due to {reason}. Therefore, we can only go without salary for {time period} before {we face eviction/utilities are shut off/etc.}. A grant of just {amount} would be enough to stave off disaster.

Thank you for considering offering relief. The generosity of {donors/union members/etc.} is much appreciated.


{Sender Name}

Writing A Hardship Letter Keep House

When you buy a home, you do so with the intention of staying there for a long time. Nobody wants to start a mortgage expecting it to go into foreclosure at some point. However, there are situations beyond your control that may push you towards that. If that has happened to you, and you want to keep your house, one option is to write a hardship letter to your mortgage provider.

Basic Tips in Writing a Hardship Letter to Keep House

This letter is a formal letter that must be written to the right person, in the right department. It is also highly likely that your mortgage lender has a standard form that you must complete. Hence, it is advisable to contact your lender first to ask for this form, and to find out to whom you should write to.

As a formal letter, it should be properly formatted, dated, and free from spelling and grammar mistakes. It should also hold your account number in the subject line, as well as other identifying information so the lender can confirm who you are.

Content of the Hardship Letter

Your letter should make it clear that you want to keep your house. A lot of people who experience hardship are in the process of selling their property and therefore simply want an extension of payments. Others want to request approval of a short sale. It is vital, therefore, that you start your letter by stating that you are experiencing hardship, but that you want to remain in your home.

State how important your property is to you and your family. Give a brief description of your family makeup and how you would be affected if you and your family were forced to leave the property. State that your home is at the heart of your family, educational, social, professional, and spiritual lives. Write that you would like to come up with a loan modification or forbearance plan that will enable you to keep your property.

Explain what has forced you to become delinquent in your payments and make sure that you include documented evidence for that. Examples may include losing your job, the death of a relative, incarceration of the breadwinner, a sudden illness or disability, and other such situations. All of these are situations that are beyond your control, but have caused you significant financial hardship.

Next, you must propose a solution that you believe to be mutually beneficial for you and the lender. Loan modifications of this kind tend to be temporary only. For instance, state how long you will be able to making reduced payments, and in what amount. Also explain how you intend to repay the amount that you will have missed as a result of this modification. Do not make any promises that you cannot keep, however. It is better to only offer $5 a month and pay that, than to offer $500 and not be able to make the payment. After all, your lender is only likely to give you such a chance once.

Hardship Letter Keep House Example

{Your Name}
{Your Address}
{Your Phone #}
{Your Loan #}


To Whom It May Concern:

I am writing to you today concerning my mortgage foreclosure. This home is extremely important to me and my family, as it is in the center of our professional, social, educational, and devotional lives. I would like to work out a forbearance plan or loan modification that would allow me to keep the house.

My inability to pay the mortgage on my house has arisen from {specific and detailed situation. Family problems, medical emergencies, death, loss of income/job, etc. Attach documents as necessary to prove financial hardship}.

I would like to propose a temporary loan modification plan. With my savings of {amount} I can make a reduced payment of {amount} from now until {date}, when I shall hopefully {resolution of aforementioned problems}. At that time I would resume paying the previous amount of {amount}. I hope that I have made it clear how necessary my home is to both me and my {members of family}. It is critical to our daily lives in {specific ways} and we cannot afford to lose it at this time.

Thank you for your time and consideration.


{Sender Name}

Writing A Hardship Letter For When Insurance Denied Coverage

There are various reasons as to why an insurance company may deny coverage. Whatever those reasons are, however, the impact can be significant for an individual. This denial often becomes a cause for new hardship, particularly in cases of medical bills. There usually is no opportunity to decide whether or not to have treatment before speaking to an insurance company, which means you could be left with significant bills to pay. If this is the case, you may want to consider writing a hardship letter to appeal the decision.

Basics of Writing a Hardship Letter for When Insurance Denied Coverage

This type of letter is a formal letter and should be treated as such. It should be properly formatted, therefore, and addressed to the right person in the right department. Contact the insurance company to determine to whom you should write to if you’re not sure. The letter should be short and to the point, preferably fitting on a single page. It should also be proofread, so that it does not contain any grammatical or spelling errors.

Starting the Letter

Your first paragraph should explain what has happened. For instance, you may have had an operation. Indicate the date when this occurred and why it was needed. You should then specify when you were told and by whom that your request for insurance coverage was declined. You should, at the point, have been given a reason, which usually is that the company does not feel the treatment was “medically necessary”. Whatever the reason that was given to you, include that in the letter as well.

Content of the Hardship Letter

You should then explain that you wish for the case to be reconsidered and why. For instance, you may have been in hardship which stopped you from seeking medical treatment in any other way. Alternatively, you may have additional evidence that demonstrates that the treatment was necessary, in which case you should also explain what the consequences would have been should you not have accessed the treatment. It is also possible that the denial of coverage now causes you financial hardship. Whatever it is, you must provide documented evidence and facts for all your statements.

There is one exception to this matter. If you feel the decision is completely wrong, then you can appeal it. However, that is different from writing a hardship letter, which essentially states that the decision made by the company is correct, but you would like them to make an exception in your particular case. If you want to appeal a decision, you are likely to have to follow different policies and procedures. Your insurance company should be able to provide you with details on what those steps are and how to get the ball rolling.

Ending the Letter

End your letter by respectfully requesting that the insurance company reevaluate your case. Unfortunately, the insurance company has no obligation to actually do so. Hence, you do have to make sure that you write your letter in a respectful manner and one that does not accuse the insurance company of anything.

Hardship Letter For When Insurance Denied Coverage Example

{Your Name}
{Your Address}
{Your Phone #}
{Your Account #}


To Whom It May Concern:

On {date}, I required {brief but specific description of medical transportation, operation, etc.} due to {medical emergency}. I was notified on {date} from {insurance company representative} that my request to have {percentage} of the cost covered by my insurance was denied because the {operation/transportation/etc.} was not medically necessary.

I request reconsideration in this case. Due to {hardship}, I was unable to seek out {medical alternative}. This {action} was my only option and therefore was completely medically necessary. If I had not sought out this action, I would have {medical consequence}.

In light of these circumstances, I respectfully ask for a reevaluation of my case. I have attached {a doctor’s note, medical records, financial stubs, etc.} to substantiate my claim. Thank you for your consideration.

Thank you,

{Sender Name}

Writing A Job Termination Appeal Hardship Letter

If your employment has been terminated, it is still possible for you to appeal that decision, particularly if you can demonstrate financial hardship. Employers usually have specific human resources (HR) policies and procedures in place in terms of how they want to see an appeal presented, and what steps need to be taken. Hence, do make sure that you look into the relevant policy and follow the specified procedure.

Reasons Why the Appeal May Be Granted

There are many reasons as to why you may feel your appeal should be granted. Perhaps you were terminated based on incorrect or incomplete evidence, for instance, or perhaps you feel the entire process has been unfair. Hardship, however, is not always accepted by an employer, although it does depend on the reason for termination. It is for this reason that you must be very clear about why you are writing in the first place.

How to Write a Job Termination Appeal Hardship Letter

You must ensure that your letter is properly written in a professional format, and that it is free from grammatical and spelling mistakes. It should also be short and to the point, being no more than one page in length.

The letter is a formal request, so you must make sure it is clear as to what you are requesting. Hence, you must highlight why your employment has been terminated, the financial hardship you now find yourself in, and your suggestion to ameliorate the situation. There are numerous situations in which your employment could have been terminated, including:

  • Disciplinary action
  • Redundancy
  • End of contract
  • Refusal to make changes to contracts

Because this is in relation to employment laws, it is usually recommended to make use of the services of a professional. You can choose to see an employment lawyer, or perhaps you can have a union representative working on your side. With professional representation, you have bigger chance of actually following the established procedure and being successful.

What Must Be in the Letter

Writing your letter should begin with the correct form of address, sending it to the person who will make the decision. You must then explain that you are formally appealing the termination of your contract. If it was terminated because of your performance, and you only want to appeal based on hardship, not based on new evidence, then you must, in the letter, admit that your performance was substandard.

The hardship element of a termination of employment is a complex one. In many cases, termination causes hardship, and this could be a sufficient reason to have the decision overturned. In other cases, it is hardship that caused your performance to be below what is expected, and this eventually led to your termination. It is very important that you are clear, open, and honest about this.

Whether or not the termination of employment will actually be reconsidered, you can never be sure. It is not common for leniency to be shown, but you also don’t have anything to lose by at least giving it a try. So long as you are open and honest, your request should at least be considered.

Job Termination Appeal Hardship Letter Example

{Phone #}


Dear {supervisor}:

Since I’ve already been terminated, I feel I have nothing to lose by laying it all out there. Please consider this my appeal of my firing from {position} on {date}.

Working for {company} has been the highlight of my career. I still can’t wrap my head around how {incident} led to me losing a job I truly loved.

What I haven’t told you is that I’ve been under a huge amount of stress due to {describe severe and private personal matter}. It was all too much. I’m ashamed that I let things build up; I truly believe that’s what led to {incident}. I’ve taken steps to get a handle on what’s going on in my private life, and how to keep it from spilling into the workplace.

Please take another look at my performance reviews. They are all stellar. Please check my {sales records/customer feedback}. Please think back on our interactions with one another; we have always had a respectful working relationship. Please ask my coworkers if I am someone they’d trust to have their back.

Please reconsider.

If I could take back {incident}, I would do so in a heartbeat. Since I cannot, I can only tell you how much I regret what happened, and how intensely I would rededicate myself to my job if I were reinstated.

I am open to any performance improvement plan, job reassignment, or disciplinary action the company feels appropriate.

Thank you very much for your consideration. Regardless, I wish only the best for you and the company in the future.


{Sender Name}

Writing a Hardship Letter Principal Reduction

If you want your mortgage to be modified, one of the ways of achieving this is by writing a hardship letter principal reduction. It is vital that you write this in the correct format and that it includes everything that a lender is looking for. Let’s take a look at the key elements of this kind of letter.

1. The Start of the Letter

Before you write your letter, you need to speak to your lender to find out to whom you need to write to. Make sure that you spell names correctly and do also ask for an extension number so you can ring them for a follow up. The first line of your letter should be the lender’s name, followed by the address details. Then date the letter and write the name of the person you are sending the letter to under that. After that, you include the RE: line, which references what you are writing about. This is where you should put your loan number.

2. The Body of the Letter

It may be tempting to put lots of information in here, but it is more important to just present the facts. Simply state that you are asking for a principal reduction because a loved one has died, you have suffered an illness, you have lost a job, or any other reason. You should also state that you have done everything possible, such as decrease your expenses and search for part time work, to ameliorate the situation, but you are now experiencing a financial difficulty.

Make sure that you make it very clear that you want to keep the home, if you do. If you do not state this, the lender may simply help you sell your property instead. Hence, you need to come up with solutions. For instance, you can request a balance reduction, a lower adjustable rate, or anything else that can help you get back on track.

If you have already gone through the Home Affordable Modification Program, make sure to inform your lender about this as well. Tell them everything that you have done so far to fix the problem. For instance, you can tell them that you have sought legal advice (include contact details), have tried to refinance, or have searched for a new job.

3. Ending the Letter

You need to end the letter formally, making it clear that you are eagerly awaiting their response, thank them for their consideration, and request an acknowledgment of the receipt of your letter. If you have added any documented evidence, such as pay slips or medical bills, list those underneath your signature. Always proofread the letter, preferably asking someone else to do it for you or, if that’s not possible, re-reading it the next day with a fresh pair of eyes. Always make sure that you keep a photocopy of the letter and its attachments, and that you send it through registered post. After around one week, call the lender by phone for a follow up and to check if they have received your letter if you have not had any confirmation.

Writing A Hardship Letter To Insurance For Elective Surgery

All health insurance policies are clear on which types of surgery are covered and which are not. Those things that are classified as “elective surgery”, which means that they are optional rather than being life saving, are almost never covered by insurance companies. However, that does not mean that you might not be able to convince your insurance company to reconsider. This is particularly true if you believe that not having the surgery will cause significant financial hardship.

Guidelines for Writing a Hardship Letter to Insurance for Elective Surgery

This letter must be a formal one that is written in a professional style. It should be dated and addressed to the correct person. The subject line should indicate the reason for writing, and it should also show your policy number. The letter should also include other identifying information from yourself.

Starting the Letter

Your first paragraph should outline that you would like to request some leniency with regards to the policy. Specifically, you are requesting a modification of how the insurance company views the operation that you want to undergo. Explain that it is classed as “elective” according to their policies and procedures. However, you feel that the said operation is not elective but rather a necessity. For instance, if you do not have the surgery, you will be left unable to properly look after your family, have a significantly reduced quality of life, and/or become too sick to continue with your work.

Content of the Hardship Letter

Go on to explain that you understand why this particular procedure is usually classed as elective, stating that most people have it for non-medical reasons. State that your situation is different, however, because you have been suffering from a certain illness or condition for a certain amount of time (include the dates), and that you have tried all other types of available treatment (list them and when you had them). Explain that you believe that this particular operation will be your last chance at living a normal, comfortable life. State that you know the surgery is not guaranteed to be successful, but that not having the procedure will guarantee that you will have a poor quality of life.

These situations are highly emotive in nature. You are likely to feel quite desperate and to see the procedure as a last resort. Yet, it is vital that you remain factual at all times and don’t delve into feelings. It is far more poignant to have a statement from a physician who says that the surgery will greatly improve your quality of life, than for you to tell them that you feel depressed and worthless because of your condition.

Ending the Letter

Make sure that you can provide evidence for anything that you state in your letter. Include hospital appointment cards, medical notes, and doctors’ statements, for instance. Do also provide proof of the surgery having been successfully with other people in the same situation as you, even if that is abroad. Finally, make sure that you have appropriate costings for the procedures included in your letter as well.

Hardship Letter To Insurance For Elective Surgery Example

{Your Name}
{Your Address}
{Your Phone #}


To Whom It May Concern:

I am writing this letter to request leniency concerning my insurance policy’s approach to {medical operation}. It is listed as an “elective surgery” and therefore not permissible for coverage according to my current policy. However, if I do not get this operation, I will be {too sick to work/in horrible pain/disabled/unable to care for my family, etc.}

{Medical operation} is considered an elective surgery most of the time because it is mostly used for {reason}. I have been sick for {amount of time} with {illness/injury} and I have already tried {alternative one} and {alternative two}. {Medical operation} is my last chance at {recovery option}. Although it is not a guarantee of success, it has a higher chance of helping my condition than anything else available to me. If it is not covered by my insurance, then {brief description of repercussions}.

I am attaching a doctor’s note outlining my situation and the important nature of this surgery in my particular case. Thank you for your consideration and understanding.

Thank you,

{Sender Name}

Writing A Property Tax Hardship Letter

If you are experiencing financial hardship, which means your finances are affected by something that is beyond your control, you may be able to get some relief by writing to a government agency to ask for some relief on your property taxes. It should be noted, however, that even if your request is accepted because you can genuinely prove your hardship, your debt will not be forgiven. Rather, you will be offered some sort of deferral instead.

Possible Reasons to Allow a Property Tax Deferral

There are some legitimate reasons that are generally accepted for property tax deferral. These include unemployment, activated military personnel, a death in the family, sudden illness or disability, failed business, and separation or divorce. However, it all depends on the state, so you should find out the rules that apply to you specifically before writing your letter. It is also common that there are some special programs for certain demographics such as the elderly and disabled, as well as for other groups of people. Most states offer these programs to:

  1. Those who have owned their property for at least five years
  2. Those who run a nonprofit organization but still have to pay state taxes. If their property is now used for things that state legislature renders exempt, they may apply as well.
  3. Widows and widowers of military veterans with low income
  4. Those over the age of 60
  5. People with a disability that forced them into early retirement because they are no longer able to work.
  6. A natural disaster that has affected an entire geographical area
  7. Long-term occupants
  8. Veterans returning from active duty

How to Write a Property Tax Hardship Letter

When you write your letter, one of the most important things to do is to include all documented evidence for your hardship. Your federal income tax statements, copies of outstanding debts, payslips, and other such documents should all be included. Keep the letter short and to the point, and present only the facts.

If you are granted an exemption on your property taxes, you will have to pay them the following year. Hence, you need to start preparing for this, as you will effectively have a double bill. One way to do this is to speak to your mortgage provider and create an escrow. This means that you pay a little bit more every month, and this money is then held in an account for you in order to pay your taxes. For many, this is a great way to prevent having to pay a large, unmanageable sum at the end of the year. Hence, you may also need to write a letter to your lender in order to explain your situation. However, that should be done after you have heard from the tax office.

Meanwhile, remember that a hardship letter is a formal document. It should be properly written and addressed to the right person. Keep it short and to the point, with references to the pieces of evidence that you supply. Try to avoid becoming emotional, as the tax office is interested in facts, not in feelings.

A Property Tax Hardship Letter Example

{Phone #}


Dear {assessor}:

I am positive that my assessment of {amount} is in error.

I would like to request a review. The parcel number is {number}.

If the amount is based on the property description listed on the Assessor’s Office website, that explains the error. Rather than {square footage/bedrooms/etc.} listed, in actuality {the garage has been torn down/there is only one bathroom/the room sizes are off}.

Here’s a list of other discrepancies between your report and the reality of my property:




As a layperson, I looked at the market value of similar homes and used {source} to calculate the reduced value of the property. Based on this, I believe I owe closer to {amount}.

Attached, please find {appraisal report from my recent refinance attempt} as well as {a letter from my real estate agent listing major repairs I’d need to undertake to make the home sellable}.

Paying {assessed amount} would create a severe hardship to my family. I look forward to the review and a revised bill.


{Sender Name}

Writing A Financial Hardship Letter Due To Medical Bills

Medical bills tend to be substantial bills and if you incur a sudden expensive illness or a major accident, they can mount up very quickly. You may need multiple, lengthy treatments and your insurance may not cover all of those expenses. A lot of people don’t realize that credit card debt and medical debt are quite similar. Namely, they are both unsecured, which means they can both be negotiated. One way to get the ball rolling, is by writing a hardship letter.

Tips for Writing a Financial Hardship Letter Due to Medical Bills

The healthcare industry is very inflexible in terms of collecting on medical bills. However, this does not mean that you have to pay more than you can, nor do you have to take out a loan. Doing so will only make your situation worse.

First of all, therefore, you should determine whether the debt is actually correct. It is quite possible that there has been an error in your medical bill, particularly when you consider that studies have shown that up to 80% of them do indeed have some sort of error. Hence, make sure to look over the bill and ask a trusted person to do the same. You can find online help on how to read your bill as well.

Once you have determined the amount you actually owe, you need to negotiate with the medical institution to see if a repayment plan can be created. You should not have to put yourself in greater financial difficulty just to pay for your bill. This is because, if you do this, you may not be able to receive Medicaid later on in life. What you need to do is immediately tell the creditor that you cannot pay. Debt used to be referred to collection agencies after 150 days, but this is now usually between 60 and 90 days, so make sure you do things quickly. Consider that collection agencies may sue you for as little as $100, and you will see how important it is to take action now.

Make sure you keep documented evidence of everything that you do. Hence, do not speak to the medical provider – or a debt collection agency – over the telephone, but do everything in writing. You should also make payments each month on the bill that you can afford, even if an agreement has not yet been reached. This shows willingness on your part.

Some important tips for your hardship letter:

  1. Keep the letter short and to the point. Try to stick to a single page.
  2. Include a financial statement that shows your income and expenses.
  3. Always be polite and courteous. After all, you are asking for help.
  4. Explain that you are in hardship and why, and how that is linked to the medical condition in question.
  5. Offer a repayment plan that you can afford, stating when you will make the payment, how, and for how long.
  6. Address it to an actual individual, which gives it a personal touch.

If your repayment offer is accepted, make sure that you receive a confirmation for that in writing.

Financial Hardship Letter Due To Medical Bills Example

{Your Name}
{Your Address}
{Your Phone Number}

{Hospital/Clinic/Doctor Name}
{Phone Number}
ATTN: {contact person}


RE: {consolidation/restructuring/forgiveness} of debt on medical bills for {Name}, account {number}

To Whom It May Concern:

My name is {Name}, and I was a patient at {hospital/clinic/doctor’s office} on {date}, where I received {a specific procedure, treatment, etc.}. {Indicate what your insurance covered of this procedure, or note that you did not have insurance at the time}.

I have been on a payment plan that has me paying {amount in dollars} per month. But I have unfortunately run into significant troubles in my life, which have made it impossible for me to continue to keep up with this payment plan. Due to {death in the family, loss of a job, other medical problems, etc.}, I am dealing with making constant decisions about which of my many bills is most important each month.

I have attached {relevant financial documents} to this letter, so that you can see that my monthly income is only {amount in dollars}, all of which must go to {mortgage, rent, other payments}, leaving very little left for the amount I owe you.

{Indicate how much you can pay each month, or indicate that you would like to have your debt forgiven due to this hardship} . I hope that we can work out a plan that will work for both parties.

Please contact me as soon as possible so that we can begin this process.


{Sender Name}

Writing An Unemployment Benefits Denial Appeal Letter

The job market today still has some problems and there are some claims for unemployment compensation. However, when people apply to receive this type of benefit, their request may be denied for some reason. Indeed, employers are within their rights to deny or dispute any claim, and there are various reasons as to why a claim may be disallowed in its entirety. You have to meet some very stringent rules and regulations and those are not always in your favor. There could be loopholes, however, and it is also possible that a mistake was made in denying your claim. Hence, if you feel that you do deserve compensation, then you should appeal the decision. Below are the steps to follow in writing an unemployment benefits denial appeal letter.

1. Have Your Paperwork in Order

You must write an appeal letter to start the process. Winning a case on appeal is quite common, particularly if you are able to demonstrate that some information has been overlooked, or if new information is available. The appeal letter itself is a formality, but it is an important one. It must be properly addressed to the right agency and department. It is usual that there are several divisions within an agency, so addressing it to the correct place is essential to have your appeal considered as soon as possible. There may also be an appeal form that you have to complete. If so, add it to your letter, rather than using it to replace your letter in full.

2. Write a Professional Letter

Officials will closely scrutinize the letter that you have written. Hence, it should be professional and you should make sure that there are no spelling and grammar mistakes. What you need to aim for is effective communication that encourages officials to consider your story.

Make sure that you start your letter by indicating the case number and why your claim had been denied. Then immediately follow with explanation as to why you believe this to be unfair or incorrect. If you have any evidence to prove your point, include this in your letter of appeal as well. Any evidence that you have of unfair treatment by your employer or of false allegations must be added to your letter as documented attachments.

3. Get Your Witnesses Together

Last but not least, if you make any claims that have been witnessed by others, or if you have witnesses to prove that the claims made against you are untrue, this has to be added as well. Their names and contact details should be included in your letter. This is important information that will usually grant you at least the right to have your case looked at once more.

You do have to be careful not to make your letter too long. The recommendation of experts is to stick to no more than two paragraphs: one explains the original situation and other explains the new evidence. Do not expect that those who will read the letter will be able to absorb everything if you make the letter longer than that.

Unemployment Benefits Denial Appeal Letter Example