New York Life

New York Life promised me 60% of my income and gave me nothing

Reviewed by Laura on August 10th 2017   Verified Policyholder
I’m working as a manager for H&M in California and I have New York Life because of my company. I got pregnant last year in October and I called New York Life to make a maternity leave claim in match this year. They told me that i would be paid at 60% of my pay and that was it. I called multiple times to make sure I’ll get paid but they always told me that my short disability leave will chick in the day I’ll go into labour and if I want to leave work earlier I should use all my vacay and welness. Big problem the day I went to the hospital I called again and spoke with a manager that told me that thery don’t pay anything because I was supposed to file a claim to state California disability, which they never mentioned before and I couldn’t guess either. At no point since March they didn’t told me about the state CA disability and the steps to follow. Today I’m finding myself alone with a newborn and no money, I didn’t paid my rent, I don’t eat so I can save and feed the baby and I’m stressed because I can lose my apartment. The only thing that they said it’s like they’re sorry about the inconvenience and that I wasn’t informed correctly. That doesn’t help or feed my baby or pay my rent.
Reply
Sent on August 10th 2017 by Attorney Stephen Jessup

Laura, have you since filed a claim for California State Disability benefits? If New York Life provided you with a formal denial letter please feel free to contact our office to discuss your rights to appeal.

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New York Life Reviews
(106)

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Showing 8 of 106 Reviews
New York Life

New York Life is a joke!

Reviewed by Heather on October 3rd 2024   Verified Policyholder | August 2024 date of disability
This company sucks when it comes to disability claims. They are slow at processing stuff, then they always say they didn't recieve the doctors information. You spend your ... read more >
New York Life

Claiming They Are Not Receiving Paperwork

Reviewed by Macey on June 26th 2024   Verified Policyholder | February 2024 date of disability
After suffering from medical issues from my delivery in February, I had to have a colostomy bag placed. Now New York Life is trying to claim my condition was pre-existing ... read more >
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
New York Life

Payment delays!

Reviewed by Kim W on May 7th 2022   Verified Policyholder | September 2021 date of disability
I have a Long term disability claim with New York Life. Approval process did not take too long and they did start my LTD just a few days after my STD ended. First check wa... read more >
New York Life

NYL denied my claim

Reviewed by Trapped in the cogs on March 7th 2022   Verified Policyholder | May 2021 date of disability
I’ve been an RN for 31 years. I lost 6 family members (3 of those to cancer) in 9 months and suffered a breakdown, I just couldn’t watch people die anymore. Cigna (NYL... read more >
New York Life

Hold up on payments!!!

Reviewed by A Crews on January 20th 2022   Verified Policyholder | July 2021 date of disability
I have had 3 people on my case since July 2021! This last person Amanda S drag her feet on my claims and payments. I literally have to go to my mom for help! When I contac... read more >
New York Life

Paid Family Leave

Reviewed by Paid Leave on January 4th 2022   Verified Policyholder | November 2021 date of disability
I haven’t received a single check while on paid family leave for over a month. Thankfully my wife is receiving from her job while on maternity leave. New York Life is ri... read more >
New York Life

They should all rot in hell

Reviewed by Shawn on January 2nd 2022   Verified Policyholder | September 2020 date of disability
NY Life had been paying on my LTD policy for 7 months when I reached $100,000 in claims they had paid for me. Immediately my policy I had through my employer changed, the ... read more >
Answered Questions by Our Lawyers
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Showing 8 of 29 Answered Questions

Q: NYL LTD also have LLC

Answered on April 12th 2024 by Attorney Gregory Dell
A: LLC and LTD,If you receive active income, meaning its not considered passive investment income from the LLC ... Read More >

Q: Can I submit my resignation while on STD with NY Life? I don’t know if I’ll be able to return when they want and I would rather give a 2 weeks notice.

Answered on March 28th 2024 by Attorney Stephen Jessup
A: Generally we do not recommend resigning from your job while on disability to avoid any potential issues with c... Read More >

Q: New York Life LTD offset my disabled adult child.

Answered on March 28th 2024 by Attorney Stephen Jessup
A: Yes, we have handled cases with fact patterns similar in nature. However, as you are in litigation already we ... Read More >

Q: My father has been in STD Cigna and LTD with New York Life since Jan 2021, diagnosed Pulmonary Fibrosis due to Covid-19. Can insurance and ex job make him return to work?

Answered on January 16th 2024 by Attorney Alex Palamara
A: Walt, while no one can force your father back to work, NYL can certainly deny benefits if they believe there i... Read More >

Q: Do I have to sign agreement to pay back difference in LTD payment and SSDI payment?

Answered on November 10th 2023 by Attorney Gregory Dell
A: You do not need to sign the agreement to pay back SSDI. Disability companies try to make you do this and you a... Read More >

Q: Can NYLG just stop payment?

Answered on June 23rd 2023 by Attorney Gregory Dell
A: Moe, unfortunately long term disability insurance companies can deny benefits at anytime without notice. Conta... Read More >

Q: Can I sue my disability company for causing me to get fired from job?

Answered on April 18th 2023 by Attorney Gregory Dell
A: You can sue to recover disability benefits but you cannot sue New York Life for damages related to the loss of... Read More >

Q: Why can New York Life get away with not paying me anything for my disability?

Answered on November 6th 2022 by Attorney Jay Symonds
A: Barbara: It sounds like you have a complex situation. Unfortunately, it also sounds like you had legal represe... Read More >
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Disability due to migraines is very common, but many disability insurance claims deny these long term disability claims because there is no objective evidence of migraines. New York Life will commonly try to limit disability benefits to 24 months and claim that your medical condition is mental and not physical.We were able to stop that from happening in this... Read More >

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our disability insurance lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our attorneys for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability insurance attorneys have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 850 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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