New York Life said if I had gotten a knee replacement I would have been eligible for benefits. Sorry New York Life, my knee had to wait when I was in the hospital 4 times for my bipolar disorder

Well, New York Life has done their Re-Eval, and it looks like it will be a “No.” I had two disabilities when I left my last job. Bipolar Disorder, and need of a knee replacement. They denied on the Bipolar as a pre-existing, and re-evaled my knee condition. Didn’t take them but about a minute to say that while, yes, I had some deficiencies, they weren’t enough to qualify for disability. HOWEVER, they said, IF I had gone ahead and had the knee replacement when I first left my job, I would qualify for disability benefits. Well, sorry, but I have been in and out of the hospital four times for my bipolar disorder since I had to leave my job. Due to that, the knee has just had to wait… even though, because it gave out on me one time in the garage 4 years ago, and I hit the floor and broke my hip, and get a hip replacement, which has had to take precedence over getting the knee replacement I STILL need, it’s just too bad, they say. Sorry. Humph. If only I had been well enough in other ways to proceed with the knee replacement when I first left my job…sigh. What can I do? Anything?