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Attorneys for New York Life Disability Claims

Disability claimants are often seeking information about New York Life long term disability reviews. We have created this page where insurers can post reviews and comments about New York Life disability claims. Our attorneys respond to most comments posted by our visitors.

The company was founded in 1845 as the Nautilus Insurance Company in New York City. It was renamed the New York Life Insurance Company in 1849.

New York Life and its subsidiaries offer traditional life insurance and annuities. On the investment side, New York Life is subsidiaries provide institutional asset management and trust services and, through a subsidiary, NYLIFE Securities LLC., a Licensed Insurance Agency, provide an array of securities products and services such as institutional and retail mutual funds, including 401(k) products.

The New York Life Insurance Company is the largest mutual life-insurance company in the United States, and one of the largest life insurers in the world. Unlike a stock company, a mutual insurance company, such as New York Life, does not offer shares of stock on public exchanges. Rather, it is operated and maintained for the benefit of its members, or policy owners. All policy owners have the right to vote for the Company’s Board of Directors and to receive a fair share of the dividends may be declared by the Board each year. The company ranks 76th on the 2009 Fortune 100 list. In 2008 New York Life posted $280 billion dollars in assets

As disability insurance attorneys, Dell & Schaefer have represented numerous clients with their long-term disability claims against New York Life and its affiliated companies. Disability Attorneys Dell & Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from New York Life:

  • Application for long-term disability benefits with New York Life
  • Application for short-term disability benefits with New York Life
  • Monthly claim handling of New York Life long-term disability insurance claims
  • Appeal of a New York Life denial of long-term disability benefits
  • ERISA appeal of a New York Life denial of long-term disability benefits
  • Lawsuit against New York Life for denial of long-term disability benefits
  • Lump-sum buyout of a New York Life long-term disability insurance policy
  • Department of Insurance complaints against New York Life for wrongful delay and denial of long-term disability benefits

There are 9 opinions so far. Add your comment or complaint below.


the best thing you can do, is call the insurance company and tell them. The reason is that it may buy you some time, even a partial payment looks better than nothing, so send them something, most people, don’t say or write to explain, and believe it or not, you are better off communicating with the insurance, sometimes there you talk to them, work a deal, and later get a cancellation notice, with maybe a small refund. DON’T PANIC, DON’T CASH THE REFUND, AS LONG AS THAT REFUND CHECK IS NOT CASHED, YOU STILL HAVE INSURANCE sometimes even when you make a payment arrangement the computer generates a letter, and someone else just mails it by mistake, you then call back with the details of who, and when, and what the arrangement was, because you made notes when you called to arrange late payments, it works, but pay it as soon as you can, Keep in mind, things are tough all over, insurance companies know this, but if you do not communicate they will not know, and if you get some real butt head on the phone, don’t argue, hang up asap, call back in an hour and find someone who just ate lunch, they may want to help you if they can, you never know, its always worth a phone call, good luck.


Re: Lump-sum buyout of a New York Life long-term disability insurance policy:

I have been receiving complete long-term own OCC disability, 10 years now. I want to take a buy-out on my policy and asked NYL last year if they would offer one, they said no. Is there any other way to compell them to buy the policy?

Attorney Stephen Jessup:


Unfortunately, no. Unless expressly stated in the policy that they have to offer a buyout at some point, the insurance company has no duty to offer you a buyout of your policy.


Being harrassed by Melissa, Sr. Claims Rep. since taken over from Charles Alaimo. Received SSDI from Social Security Admin. retroactive. Melissa is claiming I owe 22,000 from SSDI lump sum payment to NYL for benefits paid while SSA determined claim status and permanent disability, Melissa reduced benefit from $1,200 mon. to min.approx. $276 mo to repay NYL. Refuses to acknowledge I am disabled until death. Repeated annual requests for proof of disability from my physicians despite SSA ‘s acknowledgement of permanent disability. She refuses to be fair, or use reasonable common sense. Is vindictive. Have all paperwork, no policy cert issued for 10 years by NYL to claimant outlining policy provisions when policy taken over from Forrest D Jones Co. She is punitive and vindictive, NYL loses paperwork submitted over and over again. This is the biggest fraud run by insurance companies taking premiums for years. If you receive social security disability for permanent disability they reduce benefit and make taxpayers pay your disability income if your total income exceeds 662/3 percent of former gross income. They do not pay face sum requested monthly when policy was purchased for life. Huge scam and fraud against US government. They push off permanent disability claim responsibility on US taxpayer via SSDI. NYL is vindictive and punitive toward the totally disabled. Shame on NYL.

Attorney Stephen Jessup:


Does your policy contain language that Social Security benefits are an offset of your monthly benefit? If so, unfortunately NY Life would have a right to recover any applicable overpayment. Additionally, under an employer provided or individually purchased disability insurance policy there is really no such thing as “permanent disability” as a determination of benefits is made on a month to month basis – thus allowing the company to continue to request updated information in support of disability.


I paid $140,000 into a NYL disability policy. I was told that any disability that interfered with my work could be compensated. In the end, that concept was a misrepresentation.

Attorney Stephen Jessup:


Please feel free to contact our office to discuss how we may be able to assist you in securing your benefits from New York Life.


I had an annuity with NYL for about 10 years with an added disability rider. Unfortunately I did become disabled. The cash value was over 50k and I had been told that if I could not afford the premium, it would be paid from this cash value. When I did become disabled, I relied on that. Unfortunately, they canceled the insurance policy for lack of premium payments and would not honor the disability waiver from my account. They sent forms that my doctors said were outdated and they suggested I just send my disability approved letter from social security which NYL doesn’t accept.

Attorney Alex Palamara:

Jessi, I am sorry to hear of this denial. We would love to review the denial letters and any other correspondence you have received confirming this claim. Please contact our office at your convenience to have a free consultation.

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