• What Does the New York Life Insurance Company Buyout of Cigna Mean for Policyholders?
  • How to Apply for New York Life Disability Benefits & Get Approved
  • Cigna & New York Life  Strategies & Tips for a Disability Benefit Lawsuit After an Appeal Denial
  • New York Life Disability Denial Claim Help
  • New York Life Disability Insurance Denial is Reversed

New York Life Disability Benefit Denial and Claim Help

What is New York Life’s Experience with Long Term Disability Benefit Claims?

New York Life insurance company became one of the largest group disability insurance companies when they purchased Cigna’s disability income and life insurance division in December 2019 for $6.3 billion. New York Life is not a stranger to the insurance business as they have been around since 1845 and are the largest mutual insurer in the U.S. with over $300 billion in assets under management. Prior to the purchase of Cigna, New York Life handled long term disability insurance claims but it was almost exclusively individual disability policies and not employer provided disability coverage.

Employer provided disability policies are governed by ERISA, which is a horribly unfair pro-insurance company federal law governing all employer provided benefits. New York Life had very little experience with ERISA prior to buying Cigna, but with Cigna employees joining New York Life through the merger, we anticipate that the same unreasonable claim denials that took place at Cigna will continue at New York Life.

How can I get my New York Life disability benefits paid?

The answer is not simple because every New York Life disability policy   contains different language, and the disabling medical condition(s) and occupation of each claimant differ. Every disability claim is unique and we need to review your policy and determine the issues that are specific to your disability claim. The ultimate goal is to get your New York Life long term disability benefits paid for as long as you need them. Our disability insurance lawyers have helped thousands of New York Life claimants nationwide to collect disability benefits and we would like the opportunity to provide you with a free initial phone consultation to discuss your disability claim.

What should you expect with a New York Life disability benefit claim?

There are multiple stages of a claim for disability benefits and our disability lawyers help claimants with everything from the initial application for disability benefits through the filing of either an ERISA appeal or disability lawsuit in Federal Court. Each stage of your claim requires unique strategies and different laws are applicable at each stage. We invite you to watch our New York Life disability benefit videos in order to gain helpful tips for protecting and securing your long term disability benefits.

As you can see below we are constantly sharing insights about New York Life as part of our Protect Your Benefits Community. The more that you can think like New York Life insurance company, the better chance you will have to get your benefits paid and keep them from being denied. We encourage you to view below reviews about New York Life, answers to questions about New York Life, and Cases and Claim Tips about New York Life. Any of our disability lawyers are available to discuss your claim and you will always speak with an attorney when you contact our office.

Cases & Claim Tips (5)

Comments (15)

  • Amy, it appears you have done just about all one could suggest in trying to secure the claim file. You can send another correspondence threatening civil remedies under Section 1332 of ERISA for failure to provide the claim file in a timely manner. Cigna was known for sending claim files consisting of a large stack of papers in a box, but recently since the acquisition by NY Life they have started sending via CD or thumb drive. Please feel free to contact our office to discuss the denial of your claim as we can garner a lot of information from the denial letter as to the tactics used to deny the claim and what can be proactively done now to start the appeal process in advance of receipt of the claim file.

    Stephen Jessup Jun 9, 2021  #15

  • My employer’s LTD policy was with Cigna, now NY Life. I have MS. NY Life denied my claim. In order to appeal the claim, I have requested a copy of their claim file along with internal notes which they acknowledged in writing on 05/10/2021. They said a paper file containing 300+ pages, will be mailed to me inside of 10 business days. We are fast approaching one month, and I have not received the claim file, or any notice regarding a delay in sending the claim file. I have called and emailed the claims representatives for a status on the whereabouts of this claim file multiple times, including the supervisor. To date, I have not received any calls or email replies from NY Life. They do not give out last names and some extension numbers do not work. What recourse do I have to receive this paper claim file in a timely manner? I have 180 days from the denial date to file my appeal. Please advise.

    Amy Jun 8, 2021  #14

  • Julie, I believe you are asking how long the insurance company has to render a decision on a disability claim. If so, I believe the governing ERISA laws say 45 days though the statutes gives them two possible extensions of 30 days each. Thus, technically they have a total of 105 days under the ERISA laws. That being said, the time period can be tolled or paused depending on information being delayed by you, the claimant, or your providers. Please feel free to contact us for a free consultation to discuss your husband’s claim.

    Alex Palamara Nov 2, 2020  #13

  • What is the maximum time allowed for new your life to short term disability? My husband had a pituitary tumor in 2005, since then he’s used his short term disability several times. We have a 30 day waiting period but claims take forever to be paid on. He was put on disability from July 2020 – September 2020. We are now in November, he is back at work and we are still waiting.

    Julie F. Nov 1, 2020  #12

  • George, I am sorry to hear of your conditions. The key to LTD claims is Proof. You must prove that you are disabled under the terms of the governing policy. Proof includes medical documentation as well as the opinions of your treating providers. We will gladly offer you a free consultation and review of your policy. Please do not hesitate to reach out to us. -Alex

    Alex Palamara Nov 28, 2019  #11

  • I have individual long term disability policy through NYL that I have been paying into for 30 years. I have had recurrent disability from a chronic condition, that has worsened. I plan to file for LTD. What are the dos and don’ts and best way to proceed.
    Thank you

    George Nov 28, 2019  #10

  • Jessi, I am sorry to hear of this denial. We would love to review the denial letters and any other correspondence you have received confirming this claim. Please contact our office at your convenience to have a free consultation.

    Alex Palamara Apr 28, 2019  #9

  • I had an annuity with NYL for about 10 years with an added disability rider. Unfortunately I did become disabled. The cash value was over 50k and I had been told that if I could not afford the premium, it would be paid from this cash value. When I did become disabled, I relied on that. Unfortunately, they canceled the insurance policy for lack of premium payments and would not honor the disability waiver from my account. They sent forms that my doctors said were outdated and they suggested I just send my disability approved letter from social security which NYL doesn’t accept.

    Jessi Apr 28, 2019  #8

  • Mark,

    Please feel free to contact our office to discuss how we may be able to assist you in securing your benefits from New York Life.

    Stephen Jessup Oct 20, 2015  #7

  • I paid $140,000 into a NYL disability policy. I was told that any disability that interfered with my work could be compensated. In the end, that concept was a misrepresentation.

    Mark Oct 19, 2015  #6

  • June,

    Does your policy contain language that Social Security benefits are an offset of your monthly benefit? If so, unfortunately NY Life would have a right to recover any applicable overpayment. Additionally, under an employer provided or individually purchased disability insurance policy there is really no such thing as “permanent disability” as a determination of benefits is made on a month to month basis – thus allowing the company to continue to request updated information in support of disability.

    Stephen Jessup Mar 23, 2015  #5

  • Being harrassed by Melissa, Sr. Claims Rep. since taken over from Charles Alaimo. Received SSDI from Social Security Admin. retroactive. Melissa is claiming I owe 22,000 from SSDI lump sum payment to NYL for benefits paid while SSA determined claim status and permanent disability, Melissa reduced benefit from $1,200 mon. to min.approx. $276 mo to repay NYL. Refuses to acknowledge I am disabled until death. Repeated annual requests for proof of disability from my physicians despite SSA ‘s acknowledgement of permanent disability. She refuses to be fair, or use reasonable common sense. Is vindictive. Have all paperwork, no policy cert issued for 10 years by NYL to claimant outlining policy provisions when policy taken over from Forrest D Jones Co. She is punitive and vindictive, NYL loses paperwork submitted over and over again. This is the biggest fraud run by insurance companies taking premiums for years. If you receive social security disability for permanent disability they reduce benefit and make taxpayers pay your disability income if your total income exceeds 662/3 percent of former gross income. They do not pay face sum requested monthly when policy was purchased for life. Huge scam and fraud against US government. They push off permanent disability claim responsibility on US taxpayer via SSDI. NYL is vindictive and punitive toward the totally disabled. Shame on NYL.

    June Mar 22, 2015  #4

  • Melani,

    Unfortunately, no. Unless expressly stated in the policy that they have to offer a buyout at some point, the insurance company has no duty to offer you a buyout of your policy.

    Stephen Jessup May 20, 2013  #3

  • Re: Lump-sum buyout of a New York Life long-term disability insurance policy:

    I have been receiving complete long-term own OCC disability, 10 years now. I want to take a buy-out on my policy and asked NYL last year if they would offer one, they said no. Is there any other way to compell them to buy the policy?

    Melani May 17, 2013  #2

  • the best thing you can do, is call the insurance company and tell them. The reason is that it may buy you some time, even a partial payment looks better than nothing, so send them something, most people, don’t say or write to explain, and believe it or not, you are better off communicating with the insurance, sometimes there you talk to them, work a deal, and later get a cancellation notice, with maybe a small refund. DON’T PANIC, DON’T CASH THE REFUND, AS LONG AS THAT REFUND CHECK IS NOT CASHED, YOU STILL HAVE INSURANCE sometimes even when you make a payment arrangement the computer generates a letter, and someone else just mails it by mistake, you then call back with the details of who, and when, and what the arrangement was, because you made notes when you called to arrange late payments, it works, but pay it as soon as you can, Keep in mind, things are tough all over, insurance companies know this, but if you do not communicate they will not know, and if you get some real butt head on the phone, don’t argue, hang up asap, call back in an hour and find someone who just ate lunch, they may want to help you if they can, you never know, its always worth a phone call, good luck.

    Nhlanhla Oct 26, 2012  #1

Leave a comment or ask us a question

Questions About Hiring Us

Do you handle ERISA New York Life appeals?

If your disability income claim has been denied by New York Life and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with New York Life. Our law firm has handled thousands of ERISA appeals against New York Life and we will prepare a very strong appeal on your behalf.

Do you help with New York Life applications?

The application for disability benefits with New York Life is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by New York Life. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by New York Life. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with New York Life.

Do you file New York Life lawsuits?

If New York Life has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against New York Life. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against New York Life. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against New York Life.

Can you help with a New York Life disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from New York Life and we know the unreasonable denial tactics used by New York Life to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by New York Life.

Do you manage New York Life monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your New York Life disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with New York Life. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (New York Life. New York Life only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a New York Life lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by New York Life. Our disability lawyers have established relationships with the people at New York Life that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with New York Life. Our goal is to get you the highest buyout possible.

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   *****

John S. (Alabama)

My Dell & Schaefer experience spanned over 7 years and it was in one word “Relief”. A fantastic relief. Why relief? Because dealing with my disability insurance company was nightmarish and D&S instantly relieved me of all the worry. From the very first conversation I had with Greg Dell, on a Sunday I believe, thru his help, he and his most competent team including Alex Palamara, Danielle Lauria, and Anneli De-Cardenas removed the proverbial 800 pound gorilla off my shoulders. Greg and Alex spent an initial, and draining 3 hours listening in while an insurance rep grilled me on an in-home interview. This was after they had filmed me on two separate previous occasions. They even followed me thru Walmart, cameras on! Yes folks, they will try to catch you doing anything outside the limits of your disability. They don’t want to pay you!

My Dell & Schaefer attorneys told me from the start, be honest when you talk to the insurance company people on that interview. I did and from that interview on, D&S handled everything regarding my policy. I was able to sleep at night knowing I had expert representation. Everything from my disability company went through Dell & Schaefer. This was a huge burden, relieved!

***** 5 stars based on 202 reviews

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