New York Life

This has been a very long and hard road

Reviewed by Jawanna S. on September 23rd 2015   Verified Policyholder
I worked for 13 years as a Registered Nurse, since 1999. I worked in many fields, but the last 7 years I worked on an ICU cardiac care unit. I actually became ill in 2001 with daily devers, migraines, and fatigue. I saw many physicians over the years that were unable to diagnose me. I kept working, adjusting my hours as needed to keep working to support my family. I became very ill and had to leave my place of employment in February of 2012. I began collecting STD shortly after, and after having multiple tests, and seeing more phydicians, I was given a diagnosis in may of that year. I was informed that I had Adult Onset Stills Disease, I have also been diagnosed with Lupus, fibromyalgia, and Antiphospholipid Antibody Syndrome. I suffer from debilitating fatigue, muscle pain, joint pain, daily fevers up to 103 degrees, double vision for a majority of the day, substantial hearing loss, vertigo, nausea, vomiting, rashes with open wounds, falls, and severe brain fog. Medications have not helped me to date, so I joined a study for Benlysta ( a biologic medication that I receive by IV infusion). I am also on an injectable chemo once a week, among many meds to help with pain and symptom relief. Before this severe downturn, I was on a thyroid med and three over the counter supplements. I am now on 23 different medications, causing a lot of other issues and symptoms. New York Life had applied for Social Security for me in September 2012. I had to get an attorney and was finally approved in March of 2015. In May, New York Life denied my claim (this was the second or third tIme since the start of my claim), . I appealed, and was informed in August that they were reopening my claim for long term disability. The same day, I received a letter telling me that my appeal for waiver of premium, to pay my life insurance policies through my employer, was denied. How could they deny me one and not the other? It makes no sense. I have made multiple attempts to contact my case workers with no return communication. Last week, three weeks after the letter approving me, I get another letter stating that oops, I’ve been denied after all. They are saying that I can do sedentary work. They kept my approval amount for backpay, to recover funds from my social security. They are even taking my son’s money that he receives from social security.( he’s 17 years old). am submitting yet another appeal, I have the majority of the money that they are trying to recover. I am afraid to turn it all over at once. It will leave me completely broke, and I need money to pay bills and possibly hire an attorney for help. I just don’t know what my options are. Sorry for the length, but thus has been a very long and hard road. Thank you in advance for any advice.
Reply
Sent on September 23rd 2015 by Attorney Stephen Jessup

Jawanna, please feel free to contact our office to discuss how we can potentially assist you in appealing both of your claims.