New York Life is not there in time of need Had to go back to work with no surgery and a ruined credit score

This is the second time I had to deal with New York Life. I have elected coverage for STD that is payroll deducted. My company pays for the LTD. I filed STD claim that was to start March 30, 2017. It is now April 23 and my case is still under review. Spoke with numerous people at New York Life and the forms that my Primary care doctor were not good enough for New York Life and had to fill out more forms. Spoke with a Nurse from New York Life on April 7 and case worker was to call that day as well. Case worker has yet to call me. My doctor had me out of work due to Fibromyalgia flare, uncontrolled diabetes, extreme fatigue, pain and unable to take a shower without help. I have to see a rheumatologist per my PCP and he put on the paperwork “follow up with rheumatologist ” since he said this is out of his rhelm of medicine. In my area, I couldn’t get an appointment with a rheumatologist till July. I found an appointment for April 24 in another city and now New York Life said they are waiting to hear the rheumatologist report before making a decision. Would I have wait till July if I didn’t find one sooner? No money since My last paycheck on March 24 and it was very little due to missing days…no money for diabetes test strips, so I have no idea what my sugar is. No food in the house. New York Life pulled the ” we never received the forms from your doctor”. I have a confirmation that the forms went by fax. After calling 3 and 4 business days later, they have the forms now. New York Life case workers was to call me “right back” on Friday 21 in the morning. Never got the call. January 2016- was out for a torn rotator cuff. After 5 weeks of being denied a MRI and told to do physical therapy for 6 weeks, I paid out of pocket for MRI on neck and shoulder because the pain was so intense and PT was not helping and I wanted answers now! Turns out there is a tear in my rotator cuff and orthopedist wanted to burn nerves on my neck due to disks bulging disks and repair the tear. Doctor even had a peer to peer review with New York Life and they still denied me getting an MRI. That is why I ended up paying for it. After all said and done, and all the denials and playing the waiting game…I was running out of time for the medical leave act and was forced to go back to work or Lose my position. No surgery, still hurting and they never helped me! New York Life did not pay weekly benefits like they say they would. They paid doctor visit to doctor visit. I never received all the money I was supposed to get. I ended up becoming 3 months behind on my mortgage and my company needed a check for $700 every month to continue my benefits. My credit is ruined, bills were unpaid and New York Life was supposed to be there during your time of need and they weren’t. I may need help with an attorney.