New York Life

New York Life denied my claim because they thought there wasn't enough evidence. I haven't had a life in months

Reviewed by Jill on September 25th 2016   Verified Policyholder
I work for Honeywell Aerospace with the engineering department. On the morning of 8/1/16 I was at work when I began to have some issues and was rushed by ambulance to the hospital. I was exhibiting a stroke. After two days in the hospital I was released with severe Bell’s Palsy and not a stroke, which I am very grateful for. The entire right side of my face is paralyzed and following my doctors orders I went on Short Term disability. On 9/1/16 I received a call from New York Life stating that my claim is being denied because there was not enough medical evidence provided to them to support my claim. The claim manager also stated that their nurse said she called me twice and left two voice mails. That is not true because I would have called her back right away. I was devastated because I was under the impression that my claim was being approved. I panicked that is a full month of no pay, minus the first week that I used my personal leave for. I called my doctors office and said release me, release me I can’t afford this. My doctor said no. That I was not ready and that I should not even attempt to drive with an eye that is not functioning properly and the severe facial pain I have. That I would be endangering not only myself but the lives of those around me. I of course sent an email to the New York Life claim manager stating that I am appealing their denial. The appeal is about complete but I can tell by the language the New York Life gal who gathered all the information used it too will be denied. In the meantime, I’ve been released on a restriction of 4 hours a day, from home for one month that was to start today. However, I have to be cleared through Honeywell’s medical center first before that can even begin. I received a call from the guy who handles this and he stated Bell’s Palsy is not a disability and that Honeywell will say I have to return to work, onsite and full time. 90% of my work is on a computer and any length of time with one working eye is a struggle. I have not had a life for two months now. I can’t go outside because the bright light and slightest breeze irritates my eye so I have to patch it almost 24/7. I doubt New York Life will cover the nervous breakdown I am about to have because I don’t see how I will recover financially from this.
Reply
Sent on September 25th 2016 by Attorney Stephen Jessup

Jill, please feel free to contact our office to discuss the denial and your pending appeal.