Get your own medical records, mail them certified mail, and pay for the copies so they don’t deny you on their time frame limits!!

New York Life insurance company doesn’t try to get medical records from your doctor’s office except for one fax or mailing to your doctor’s office. They will not pay for the records easily. They use these delay tactics and time frames yo deny claims. I would get the records myself and pay the $25 dollars out of my own pocket for the records and make extra copies and mail them certified mail with a blue card receipt each year and they couldn’t deny my claim from not getting the medical records. New York Life insurance also doesn’t want to give you the life insurance policy for free when you are disabled. You have to decline the life insurance policy to make sure that you get the long term disability. They approved my LTD but were very threatening about finding jobs that they thought I could do and denying the life insurance rider. I felt like they would eventually deny my LTD claim if they had to approve the life insurance and I needed the money now and I declined the life insurance and they stopped all the harassment while I was getting LTD. So get your own medical records and mail them certified mail and pay for the copies so they don’t deny you on their time frame limits. It’s a shame that they can’t regulate the LTD companies better. My employer also helped me by putting DEAF on the LTD form that Human resources sent in to New York Life. Plus I was already approved for SSDI at that time. So just do it yourself.