New York Life Insurance offers a variety of different types of insurance products, including whole and term life insurance, universal and variable universal life insurance, and long-term disability benefits. The insurer offers both individual and group coverage and has been operating since 1845.
Unfortunately, New York Life does not always treat policyholders fairly when they make a long-term disability claim. In fact, sometimes legitimate claims are denied, leaving policyholders without the funds they need to cover the bills when a disability develops.
If you have a long-term disability policy with New York Life and are facing a denial of your claim, you need to get help from an attorney willing to stand up to this large insurance and investment company and fight for you. Julie A. Rice Law is here to help.
Our dedicated legal team has decades of experience representing clients who have been improperly denied coverage by New York Life when making a long-term disability claim.
We assist with the internal appeals process as well as with going to court if needed, and we will help you navigate the entire appeals process from start to finish. Give us a call to talk with a New York Life long-term disability denial attorney today to learn more.
Did New York Life deny your claim improperly?
New York Life has an obligation to policyholders to pay long-term disability benefits when they have a covered disabling condition that impacts their work abilities.
While the insurer can deny claims if:
- The condition is not covered under the policy.
- The policyholder didn’t follow the claims process
- There’s inadequate information provided
Still, although there are lawful reasons for denial, the company also must process claims fairly. Unfortunately, this doesn’t always happen, and sometimes the insurer denies a claim that is legitimate or unfairly delays processing a claim.
You’ll need to review your policy language carefully and review the details of your denial to determine if the insurer behaved wrongfully with regard to your claim.
How can an Atlanta long-term disability denial lawyer help with your New York Life disability denial?
If you have been denied long-term disability benefits by New York Life, you must be provided with a detailed explanation of the reason for the benefit denial. You should also be told:
- The reason for the denial
- What your deadline is for appealing
- How to submit your appeal
If your plan is a group plan covered by ERISA, you will need to make sure you comply with ERISA regulations as well as the specific details of your internal appeals process with the insurer.
You can’t pursue a claim for a covered workplace benefit in court until you have fulfilled ERISA appeal requirements, so be sure you have a dedicated New York Life long-term disability denial lawyer to confirm nothing is missed during this process. If your plan is covered by ERISA, you also need to make sure you include any evidence you would want to be considered if a judge has to determine if New York Life acted improperly or unreasonably in denying your claim.
If the internal appeals process fails, you may be able to pursue a lawsuit in a federal court under ERISA regulations, or may be able to pursue other legal remedies if your plan wasn’t a workplace one.
Julie A. Rice Law is here to help you understand whether ERISA applies, to assist you in maximizing your benefits claim, and to make New York Life pay what you were promised when your policy was purchased. Give us a call today to learn how we can help you.