• New York Life Disability Benefit Claim Tips to Avoid Denial

New York Life Disability Benefit Claim Tips to Avoid Denial

New York Life recently purchased Cigna, making it one of the top three largest disability insurance carriers in the country. As a result, New York Life now handles both individual and group long term disability policies, and these two types of disability insurance policies can be treated very differently. But regardless of whether you have an individual or group long term disability policy through New York Life (or formerly through Cigna), we want to put you in the best position to protect your long term disability insurance benefits once your application has been approved.

Our immediate concerns when a New York Life disability insurance claimant contacts us?

Whenever someone who is already on claim with New York Life contacts us, the most important question is, “how long have you been receiving benefits?” After 24 months of paying benefits, New York Life – like most long term disability insurance carriers – will shift the definition of disability from “own occupation” to “any occupation.” This means that a claimant who previously was considered disabled because they could no longer perform their original occupation now will be considered disabled only if they can no longer perform any occupation, even a very sedentary one. Many claimants aren’t able to meet this stricter standard and will see their benefits terminate after around two years.

What must be in the medical records to support a New York Life Long Term Disability claim?

The medical records are the foundation of a successful long term disability insurance claim – and at the end of the day, your disability insurance claim is only as good as it looks on paper. If your visits to your doctor have become infrequent or your medical records no longer back up the symptoms you’ve listed in your claim application, New York Life may look back through your recent medical history and decide that there is no longer enough support to continue your disability insurance benefits.

This means that it’s not always enough just to have a record of a recent doctor’s visit; how you communicate with your doctor will dictate what information makes it into your medical record. Part of the claim assistance we provide at Dell & Schaefer includes helping claimants (and their doctors) properly document their symptoms and limitations to include exactly the information New York Life is looking for.

Always answer every question truthfully and balance between telling them too much or too little.

While it’s important to be up-front about the symptoms you’re experiencing, it can also be a fine line to walk. Almost nothing can terminate a claimant’s benefits more quickly than evidence that the claimant has exaggerated their symptoms or overstated their limitations in order to qualify for disability insurance benefits. And don’t assume you won’t be caught – New York Life often performs video surveillance on disability insurance claimants and has ramped up its social media surveillance during the COVID-19 pandemic.

Engaging in activities your medical records or application papers say you can’t do can be risky, even if you’re only able to perform these activities because you’re having a good day. Instead, it’s a better idea for your disability insurance application to provide some nuance as to when and how you can perform certain tasks. The definition of disability is based on the applicant’s ability to work full-time – and being able to do particular tasks every now and then isn’t the same as being able to do them for 40 hours a week, so you shouldn’t worry that your disability benefits will be terminated on this basis alone.

At Disability Insurance Attorneys Dell & Schaefer, we know the long term disability insurance game like no other and can help you navigate the system. Don’t put your long term disability benefits at risk – give us a call today to schedule your FREE consultation with one of our long term disability insurance attorneys.

Questions About Hiring Us

Do you help New York Life claimants nationwide?

We represent New York Life clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a New York Life disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from New York Life. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by New York Life.

How do you help New York Life claimants?

Our lawyers help individuals that have either purchased a New York Life long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with New York Life:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Ken A. DC

First of all, may I say this: if you are a professional and find yourself in the unfortunate position of having to file a claim against your disability carrier – do not try this on your own! HIRE A PROFESSIONAL! This was advice that I was given and I am very great full I was smart enough and followed it. Your next decision is whether to hire a ‘disability claims consultant’ or an attorney which specializes in professional disability claims. I decided upon the later. The reason being an attorney has ‘power’ and ‘authority’ and actually ‘represents you’. He/she has authority (power of attorney) to actually communicate with your insurance company and do ‘Whatever It Takes’.

A disability claims consultant does exactly that… they ‘consult’ with ‘you’ (not the insurance company) and make recommendations… they tell you what to do. Mr. Dell actually told my insurance company that my claim was legitimate and justified and that they were simply going to pay my claim.

***** 5 stars based on 202 reviews

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