New York Life

New York Life told me to just "go back to work"

Reviewed by Gretchen Laubach on April 5th 2011   Verified Policyholder
I am having an issue with New York Life disability insurance. I worked up until Feb. 2010 part time as a utilization review nurse and part time as a direct patient care nurse. In February, it was found that I had a left sacral fracture and a right pelvic and sacral fracture and was deemed disabled from doing floor nursing by my physician. It took until August of 2010 for New York Life to allow my claim to go through for the floor nurse position. I was still able to do my utilization review position but starting in May of 2010 I again experienced many odd medical difficulties. I was so ataxic that I could not even enter my place of employment to complete my job. I saw a local neurologist and was found to have a very unusual appearing lesion in the left side of my head. With alot of abnormal medical findings, a common diagnosis could not be made. Meanwhile, still fighting with New York Life disability insurance, I was told to “just go back to work”. July 21, 2010,I demeaned myself to request a walker to complete my tasks at work. By July 26-my ability to function whatsoever was gone. That was my last day of work. Still unknown as to my diagnosis, I was sent to the Mayo Clinic. I was found to have profound osteoporosis and was told I needed to take daily injections to rebuild my bones and I needed to use a walker for activity-that if I would fall I would break every bone in my body. Through a series of lab work and bone marrow biopsies, I was found to have bone marrow suppression and a connective tissue disorder. I have really no treatment option at this time. My physician wrote to New York Life and told them I was completely unable to work. Last appeal from New York Life for long term disability was denied through New York Life despite the fact that my physician had written to the insurance company and told them that I had a progressive illnesss that would result in my demise. I am following up with an attorney as I feel that my life has been completely cheapened – I am 57 years old, not 97! I have worked in the past with terminally ill patients, giving them chemotherapy. It broke my heart when they would confide in me that all their earthly possessions were being taken away from them because they were being denied disability and could no longer afford their treatment. I promised them that if the occasion ever presented itself that I was in the same position that I would fight in their behalf, dead or alive. Most of them have died but my promise I made to them lives on.
Reply
Sent on April 5th 2011 by Attorney Gregory Dell

Gretchen, the disability Claim denial by New York Life that you have described seems extremely unfair. New York Life needs to be held accountable for their actions. Once we review your denial letter and the appeal you submitted, we can let you know how we may be able to help you get your disability benefits paid. Your situation is not unique as New York Life has probably denied your claim because they don’t understand your medical condition.