If you have applied for New York Life disability benefits and been denied, you are not alone. In fact, the company denies more than half of all claims.
There are several reasons why your application may have been rejected, but some of the most common are: you did not provide enough information, you did not qualify under the company's definition of disability, or your condition was not considered severe enough.
In this blog post, we will discuss these three common reasons and how to improve your chances of being approved for benefits.
#1 - Not Enough Information
If you have been denied New York Life disability benefits, the first step is to determine why. The most common reason for denial is that claimants do not provide enough information. When you apply for benefits, you will be asked to fill out a lengthy questionnaire and submit medical records. It is important to be as thorough as possible when completing these forms and to include all relevant information. If you are unsure about something, contact an experienced disability insurance attorney who can help guide you through the process.
#2 - Not Eligible Under the Disability Definition
Another common reason for denial is that claimants do not qualify under the company's definition of disability. Initially, to qualify for benefits, you must be unable to work in your own occupation. After a defined period (usually 24 months) you will have to prove you are unable to work in any occupation for which you are reasonably suited by education, training, or experience. This is a very strict standard, and many claimants are denied at this stage because New York Life claims they do not meet it. If you have been denied for this reason, you may be able to appeal the decision.
#3 - Your Condition is Not Severe Enough
Finally, some claimants are denied because New York Life alleges their condition is not considered severe enough. This is often the case with mental health conditions, as they can be difficult to prove. If you have been denied for this reason, you may need to provide more information about your condition and how it affects your ability to work. Speak with an experienced disability insurance attorney to see how you can fight the denial of disability insurance benefits.
Help from a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex. Hiring an experienced disability attorney is important. Because all disability lawyers at this law firm focus on disability insurance claims, we have expertise in disability insurance law.
That means we have:
- Experience with every major disability insurance company;
- A proven track record of success in winning major disability lawsuits;
- Recovered millions of dollars in disability benefits for clients;
And, we never charge fees or costs unless our clients get paid.
The firm can help at any stage of your disability insurance claim, including:
- Submitting a disability insurance claim;
- Appealing a long-term disability denial;
- Negotiating a lump-sum settlement; or
- Filing a lawsuit against your disability insurance company.
Because federal law applies to most disability insurance claims, our lawyers are able to represent clients across the country.
Call to speak with an experienced disability attorney. Consultations are free.
Contact Dabdoub Law Firm today at (800) 969-0488 or fill out the online contact form to speak with an experienced attorney about your case.
