New York Life
I'm using my off time off when it should be under my New York Life short term disability
New York Life is preparing to deny my continuance of a short term disability claim. I had surgery in December and at the 6 week review the doctor said I should stay off work totally another 2 weeks then I should work half time for 4 weeks then back to work full time. New York Life is saying the doctor is not telling then a quantitative and objective determination of why I need to follow that plan. The order was given because I have pain while sitting long times at my desk and I am still having periods of exhaustion about the middle of the day due to the surgery. The doctor has said this is common and the claims administrator is going against doctor’s orders and are considering cutting off my short term disability. Mind you the doctor appointment was now 28 days ago. I am using my own time off when it should be under my short term disability.
Reply
Tom, New York Life will have to (if they haven’t already) send you a detailed letter explaining the denial and your rights to appeal same. The majority of short term disability policies that New York Life handles are usually only administered (not insured) by New York Life. This means that your employer is ultimately responsible for paying benefits and New York Life’s role is to merely advise if those benefits should be paid. In turn, if you have not spoken with anyone from your HR about the issues you are having we would definitely recommend it. Please feel free to contact our office to discuss your situation in greater detail.
