{"slug":"denial-rationale-letter","source_name":"denial-rationale-letter","name":"Denial Rationale Letter","description":"Drafts the letter that denies an insurance claim, in whole or in part, so it is legally defensible — it identifies the exact policy provision by its section or paragraph and quotes the operative words, ties the specific facts of this claim to that provision, and includes the claimant's appeal rights and the required regulatory notices. Use when a coverage decision to deny (fully or partially) has already been made and the written denial to the policyholder must be produced. Do NOT use to decide whether a loss is covered (that is a separate determination), to estimate claim value, to write a settlement offer, or to draft policy language.","version":1,"lift":{"pass_rate_delta_pts":null,"pass_rate_pct":21.4,"total_cases":14,"passed_cases":3,"tokens_delta_pct":378.4,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.5-flash","grading_method":"judged","completed_at":"2026-07-08T22:45:51.159920+00:00"},"skill_score":null,"benchmark_models":[{"model":"gemini-3.5-flash","headline":false,"delta_pts":null,"with_pass_pct":null,"without_pass_pct":null,"tokens_delta_pct":378.4,"turns_delta_pct":0,"total_cases":14,"cases_aggregated":14,"verdict":"mixed","never_hurt":true,"completed_at":"2026-07-08T22:45:51.159920+00:00","run_id":"c8ff891b-40f3-4d6d-9a13-6ab376b3a486","version_number":1,"is_latest_version":true,"gate":"not_comparable"}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":false},"license":null,"install_count":0,"manifest_hash":"9cfd7af8118a9a3dd33ef31a3cdefaa6651dbded56ff935782984368976d8c25","raw_url":"https://app.decimal.ai/s/denial-rationale-letter/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/denial-rationale-letter"}