After being denied your long-term disability benefits claim, you may have requested the carrier to produce your entire administrative file. In response, the carrier will normally produce all of the documents it received and relied upon to deny your claim. Usually missing from the production, however, are the carrier's SOAP notes and other internal communications regarding your claim. These missing documents may contain a treasure trove of useful information regarding the insurance carrier's thought process (or lack thereof) that went into the denial of your long-term disability benefits claim. You have a right to the entire administrative record under the Employee Retirement Income Security Act of 1974 (ERISA).