New York Life
Even my employer doesn’t understand why New York Life denied my claim. I don't know what to do
I have been off on leave since October. My last disability payment was 12-26-17 and it’s now 5-1-17. In February I called New York Life to see why I wasn’t getting my disability payments and was told my claim had been denied. I filed the appeal and was told it could take 90 days from April 17 to make a decision. Yet my supervisor just called today and told me that she received an email from New York Life stating that my appeal has been denied. I have received no information on this. In February, because of this I received a termination letter from my employer which was apologized for because New York Life has screwed up. They denied my short term leave from 12-26-17 to 1-11-17 and then approved my ADA leave till 5-1-17 and it is pending approval till 6-1-17 because of an upcoming hospitalization. I am also seeing a lymph specialist for biopsies. I have been through three different specialist under doctors orders. I’m still under doctors care. My job is once again in jeopardy and I am almost financially sunk due to their denial of payment. In the meantime I have received letters from my employer and New York Life stating that permanent disability is possible, my employers letter even stating that they would continue my insurance and my life insurance for a year in the event I am terminated. My employer bases their decision off of cignas decision. This is unfair and stressful during a time I am supposed to not be stressed because stress is possibly making my condition worse. I don’t know what to do. I have 3 specialists and my primary doctor all providing documented medical information. My employer even stated that all the information is there and they are unsure as to why New York Life is denying my claim. I can’t afford this and my health definitely cannot afford this to continue happening. I don’t know what to do. I know I need an attorney but I can’t afford it, I’m already behind in everything because of this. I’m struggling to keep a roof over our heads.
Reply
Cheri, New York Life is correct in their assertion that the review of the claim could take up to 90 days from the date of the appeal. If your employer was advised the appeal was denied you will likely hear something soon from New York Life. New York Life does provide two levels of administrative appeal – so in the event your appeal is in fact denied, please feel free to contact our office to discuss how we may be able to assist you in appealing the denial. That being said, the process – as you know, is unfortunately a long and unfair one.
