New York Life will claim you have a pre-existing condition to deny your claims

I had a stent replaced on 09/02. Cardiologist in the hospital required cardio rehab upon release. Was sent to a local outpatient clinic, and started the rehab. I also initiated my Short Term Disability coverage and spoke with the rep at New York Life. Was told $400 a week would be sent “shortly”. A couple weeks into rehab, was told “no more rehab – your short term disability was denied”. WTH? WHEN did New York Life have the authority to pay my cardio rehab treatments with MY STD benefits instead of medical coverage ? Now, almost 8 weeks into this ordeal New York Life is claiming “pre-existing condition” to deny STD benefits. New York Life had no problems accepting my premiums all along NOR was there a pre-existing clause in the form I signed with my employer. I need an attorney’s help.