If you are like many consumers, you have probably bought a disability insurance policy from News York Life Insurance to protect your finances when you cannot work because of disability. If you have become disabled and have submitted a claim, the last thing you want is to receive a denial letter. An experienced New York Life disability claims lawyer can help you appeal your denial from the insurance company.
Disability Insurance Options from New York Life Insurance
New York Life Insurance is one of the largest insurance providers in the world. It sells a variety of insurance and financial products including disability insurance. The company sells various kinds of short- and long-term disability insurance products. They provide group plans through employers and portable individual plans. If you become disabled because of an injury or illness, the company will pay benefits to you to replace a part of the income you could not earn because of your disability. You will get short-term disability insurance payments after exhausting the elimination period for a short time. Meanwhile, you get long-term disability insurance payments after a longer elimination period and after the end of the short-term benefit. The benefits’ duration will depend on your policies.
When Submitting a Claim
When you have to submit a disability claim to New York Life, make sure the forms are filled out accurately and completely. Also, ensure that you give all the paperwork requested by the company. Otherwise, it will use an incomplete claim as a ground for delaying or denying it. Keep in mind that insurance companies will delay or deny claims for less obvious reasons and to avoid this possibility, make sure to have your application reviewed by an attorney.
The forms that you must complete before you submit a disability claim with the company include a statement from you, your employer’s statement, and the statement of your attending doctor. You may be required to provide information about you and your disability. Also, some authorization forms may require your signature. Fill out your portions of the forms accurately and completely and make sure the portions for your doctor and employer are also filled out completely with accurate information.
What Is New York Life Insurance Denies Your Claim?
If the insurance company denies your claim, you will receive a letter of denial from it. The letter will include the reasons for the denial and information about the appeal process and the deadline for appealing the denial. If you fail to appeal the denial through the internal appeals process of the insurance company, you can take this matter to court.
