New York Life Long Term Disability Lawyer

You can get professional help from a New York Life Long Term Disability lawyer if the company unfairly denies your claim for benefits. In this situation, you can turn to our team at Marc Whitehead & Associates for professional help with an appeal. We have over 120 years of combined experience handling complex appeals for disability benefits. You can reach out to us for assistance when dealing with insurance companies. We’re here to provide the support you deserve after a claim denial.

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The Benefits of Hiring a New York Life Long Term Disability Lawyer

Why hire a Long Term Disability lawyer? Hiring an attorney after a denial of your Long Term Disability (LTD) benefits can improve your chances of successfully handling the appeal process. Our attorneys represent policyholders in disputes against New York Life for disability claims denials. Whether you have a private disability policy or coverage under a group Long Term Disability plan from New York Life, we can legally assist you with your claim. We know how to handle disability denials for LTD claims, and we’re prepared to put our knowledge to work for you. You can learn more with a New York Life LTD lawyer.

For a free legal consultationwith a denied new york life disability claim lawyer serving Nationwide, call (800) 562-9830

Why Would Insurance Deny Your Disability Claim?

A primary reason that insurance companies deny your disability claim concerns the company’s bottom line. If it can find a reason for denial, it will do so. People with disabilities often lack the ability or resources to fight against an insurance company giant. These companies rely on that fact to manage their numbers and boost profits. Part of the business strategy involves counting on disabled patients to give up. Unfortunately, it often works. You need an experienced disability insurance attorney to fight for you and appeal New York Life’s decision. Because deadlines for appealing a claim are short, contact a New York Life disability lawyer as soon as you receive your denial.

Nationwide Denied New York Life Disability Claim Lawyer Near Me (800) 562-9830

New York Life Claim Denial Tactics

Insurance companies like New York Life may use many tactics to deny a claim. In many cases, these companies claim that applicants:

Failed to Submit Sufficient Medical Evidence to Support a Claim

It is your responsibility to submit medical records proving that you are too disabled to work. It is not the insurance company’s responsibility to gather this evidence. A New York Life Long Term Disability attorney can make every effort to collect and submit all relevant documentation.

Faced a Policy Exclusion

The company might determine that yours was a pre-existing condition, or your policy otherwise excludes coverage for specific medical issues.

Failed to Provide All Relevant Medical Records

Any missing information from your doctor, such as clinical notes, may trigger a denial. Therefore, it is crucial to include all medical evidence, including notes from specialists, when submitting your disability claim.

Failed to Follow a Treatment Plan

Most Long Term Disability patients are given a treatment plan by their healthcare providers. However, suppose there is no evidence that you followed it, which, depending on the diagnosis, may range from physical therapy to rehabilitation to mental health counseling.

Do Not Qualify as Disabled

Your condition does not meet the definition of total disability. Every policy defines total disability. After two years, a claimant’s status may change from the inability to perform their job to “any” position based on education, experience, and skills.

Appeared Fine on Surveillance Video

Insurance companies are increasingly using surveillance video or scouring social media accounts for evidence that a person is not truly disabled. Avoid posting photos of yourself on social media, even if they seem innocuous, to prevent misinterpretation. For instance, if you claim your disability does not allow you to lift more than 10 pounds, do not post photos of yourself carrying your children, grandchildren, or even a pet.

How to File a New York Life Disability Appeal

Filing an appeal after a company denies your disability benefits can become complicated. Fortunately, our team understands the steps to take, and we can support you throughout the entire appeals process. Generally, filing a disability appeal requires us to:

• Review your denial letter
• Gather additional evidence, like documents from medical examinations, to support your claim
• Submit an appeal

After filing your appeal, the company will have a chance to review it, potentially overturning an initial denial. We can discuss the potential outcomes of the appeals process when you contact us for help. We’re here to help with your New York Life Long Term Disability denial claim.

Why Choose Our New York Life Long Term Disability Claim Lawyers?

If New York Life delays, denies, or terminates your claim, our team at Marc Whitehead & Associates can help you fight back. We have successfully represented denied claims against almost every major disability insurance company in the United States, including New York Life Insurance Company. Our firm draws on over 120 years of combined experience, allowing us to confidently handle complex issues related to disability insurance denials and LTD claims. We’ll put you first and listen to all of your concerns after a denial, ensuring that you understand your options and the next steps you need to take throughout the claims process. We can also provide you with a free Long Term Disability eBook.

What You Need to Know About New York Life Insurance Company

In operation for over 165 years, the New York Life Insurance Company is one of the world’s largest sellers of insurance, including disability insurance, long-term care insurance, and group policies sold through AARP and other specialty markets. As providers of disability insurance plans, New York Life sells individual (personally purchased) and group (employer-sponsored) Long Term Disability policies. In fact, it was the first company to insure people with disabilities and the first to issue a policy with a disability benefit in which total disability is considered permanent after a pre-set period. New York Life sells individual and group disability income policies across the United States that are underwritten by the Unum Group. The company also sells individual disability policies through BISYS Insurance Services.

ERISA Controls Some LTD Claims

The Employee Retirement Income Security Act (ERISA) law regulates many New York Life group disability claims. There is a major difference between claims governed under ERISA law and claims that fall under state insurance law. If your group policy benefits have been withheld, denied, or terminated, as ERISA claim attorneys, we are fully able to fight on your behalf to receive your rightful benefits under federal statutes.

Talk to Us About Your LTD Denial

Bad-faith insurance laws will regulate most individual long-term disability claims. If you have reason to believe that New York Life mishandled your claim on your individual policy or denied it without a valid reason, we can help you pursue a bad faith insurance claim to collect damages and hold the company accountable for its wrongful actions. In all cases, our New York Life Long Term Disability attorneys at Marc Whitehead & Associates are fully prepared to assist you with your claim. Contact us now to schedule a free consultation with a lawyer about your New York Life disability claims denial.