New York Life forces people to not follow their physician's orders

I was in a car accident in March of 2018, and one my Physician’s took me off of work, while the other physician was handling my pain with narcotic pain medications. It is against my employers policy to not be on heavy medications. New York Life denied my short term disability. I had appealed the decision, that was also denied. How do you get into this class action law suit. With the second appeal I wrote a letter, since they violated the American Disability Act. Forcing people to not follow their physician’s orders.