Getting denied is one of the most common parts of the NFL disability process, and one of the most misunderstood. Many players read the letter, assume it's over and walk away from benefits they may have qualified for. In reality, many claims are approved on appeal once the missing evidence is in the file.
Why NFL disability claims get denied
The Disability Board decides on the evidence in front of it. Most denials come down to one of four things:
- Missing records. Team, surgical or treatment records that show your injuries never made it into the file.
- Exams that missed it. The neutral physician exam or testing didn't capture what you deal with day to day.
- The wrong category. You were approved, but placed in a lower Total & Permanent category or impairment level than the evidence supports.
- Deadlines and paperwork. A missed form, an incomplete application or a deadline question read against you.
How long you have to appeal
You usually have about 180 days from the date of the decision to request review. Your exact deadline is in your denial letter. Don't wait until the end: gathering new records and arranging additional exams takes time.
A new LOD application generally can't be filed within 12 months of a denial. That makes the appeal your best path, not a second application.
How to build a stronger appeal
- Read the denial closely. It explains the reasons and the plan provisions the Board relied on.
- Get your full claim file. See exactly what the Board saw, including physician reports.
- Close every gap. Add the records, statements and exam results that answer each reason for denial.
- File before the deadline. Submit a complete, organized appeal and follow it through to a final answer.
You can appeal a lower amount, too
Approved but placed in a lower T&P category or impairment level? That decision can be appealed just like a denial. Moving from Inactive B to Inactive A, or from mild to moderate on Neurocognitive, can mean thousands more every month.
Should you appeal on your own?
You can. But an appeal is often your last full chance to add evidence. Working with a team that handles NFL disability appeals every day helps make sure nothing is left out. Shaquem Griffin was denied in November 2023. With Legacy Pro Sports in his corner, he's approved today.