New York Life
I went from being on top with my career, having all material needs met to losing everything because I’ve gone the last 7 months with no income
I was involved in a motor vehicle accident 12 months ago. My employer, The Vanguard Group, uses New York Life for LTD plan. Employer unfortunately switched to them within the past 18 months. I had Sedgwick as STD company. There was no problem with getting benefits. Then September LTD was to kick in. I provided all my medical records proving the fact that I sustained severe back Injuries, was heavily medicated on strong pain meds. I was shocked because the pain from the accident was hard enough to make it through everyday. New York Life denied my claim, then a few days later I found that Aetna denied my spinal fusion stating the procedure is not covered by my health plan. I appealed my health insurance and received approval January 2015 to get surgery. I had an artificial disk replacement along with a 360 spinal fusion. During the process of not receiving income, I’ve lost my home and financially I am a mess. The good news is surgery went well and I’m progressing everyday. I put through an appeal for New York Life LTD and was denied again. I wish I could give these bastards real revenge and bring them and their families the pain they cause others. Since my plan is protected by ERISA, these crooks at New York Life are protected by the federal laws to continue to rape and ruin their claimants, like myself, lives. I need to figure out how I can get the funds that I am due? I never would have paid premiums with New York Life and would have bought my own plan through Aflac If I knew I was dealing with these ruthless crooks, oh and the CEO has over $200 million in stock and unrestricted shares, but they are destroying innocent lives. People like me are getting this treatment at the worst possible time. Is there anyway to get a class action suit together, I would love to get the money that is owed but honestly I would love to not get anything and make it so New York Life and other insurance companies stop being protected from their fraud on their claimants by ERISA law. Can’t we sue the federal government for poor oversight or turning an eye? How is this humane? Please advise. I went from being on top with my career, having all material needs met to losing everything because I’ve gone the last 7 months with no income and New York Life falsely represented in contract what I could expect from them if disabled.
Reply
JB, although I can appreciate your frustration and anger, there is no legal recourse against the government for enacting the statute. We will be more than happy to review your policy, denial letters and the appeal you previously submitted. New York Life typically offers a second level of appeal, which would allow for the quickest potential route to get you on claim. Please feel free to contact our office to discuss further.
