New York Life gets away with age discrimination on a routine basis

I think New York Life and perhaps other LTDI companies get away with age discrimination on a routine basis, simply because no regulations exist to keep them in check, all in the name of the almighty profit. In my case, I am 67 years old, finishing up a long duration worker comp claim process, went on LTD. They are deducting ANY source of income I may be receiving from their payments… they are deducting state DI payments, my worker comp permanent and stationary weekly settlement and, most vexing, my full retirement age social security retirement. The full retirement age “FRA” social security RETIREMENT is a function of my age, and has absolutely NOTHING to do with the worker comp claim. (I never have received social security disabillity). In other words, all my working years’ FRA social security retirement is being used to subsidize the LTD payment or, if you like, I am subsidizing my own LTD payment! I am being punished, taken advantge of and literally robbed by New York Life simply for having attained full retirement age, all so they can quote lower rates to get contracts, since they use tactics such as this to lower their output payment amounts. They get away with it because no regulatory agency has the guts or interest to question it.