Question
Is 6 month reporting normal?
My wife has Bipolar 1 and after several commitments and continual care we have not had any issues with New York Life denying her. We have had, however, constant changes of case managers and even after the “other occupation” status kicked in, they want something every 6 months. We were told early on that it would go to per year evaluation and it never has gone to that. I am trying to deal with this the best I can with 3 children and her state of being and we have family help, as well. However, this continual every 6 months paperwork is a nightmare. I have to run around and get all this stuff and deal with them losing it and then send it again. It is hard when you are the caretaker and I would think after 7 rounds of ECT, 5 commitments and all of the history they already know, they could bump it to every 6 months? Is this normal? When does it go to yearly because they are wearing me down.
Answer
Joe, six month reporting is very normal, and often New York Life requires monthly or every three months so the six months is a good in relation to that. There is no set protocol for when a claim will go to annual reporting. One other inquiry – does her policy have a 24 month limitation for mental health conditions (the vast majority of New York Life group policies do).
