Expert New York Life Disability Claims Attorneys
At The Law Office of Nancy L. Cavey, we represent policyholders and beneficiaries in claims involving New York Life Insurance Company. With more than 37 years of legal experience, Nancy L. Cavey has helped thousands of people recover disability benefits. If you are struggling to recover your disability benefits, we can help. To set up a free, no-obligation review of your New York Life disability claim, please do not hesitate to contact us today.
What to Know About Your Disability Claims
With its main headquarters in New York City, the New York Life Insurance Company is the third-largest insurer in the United States. The firm was ranked as the 71st largest company overall on the most recent Fortune 500 list. New York Life offers a wide range of insurance policies, including short-term and long-term disability coverage.
Unfortunately, working with a giant insurance company like New York Life can be difficult. As New York Life has tremendous resources at its disposal, the company is aggressive in protecting its own bottom line. In too many cases, people struggle to get access to the full and fair disability benefits that they rightfully deserve.
Why are Disability Claims Denied?
The New York Life Insurance company may decline to pay out short-term disability benefits or long-term disability benefits for many different reasons. It is important to emphasize that large insurance companies are not neutral arbiters and they should not be allowed to make the final decision in a disability claim. Review your denial letter to determine New York Life’s reason for denying your benefits. Some examples of reasons why companies deny disability insurance claims include:
- Small errors in the initial application;
- Missed deadlines;
- Missing documents or records;
- Inadequate or disputed medical evidence;
- Policy exclusions; and
- Bad faith settlement practices.
If your disability claim is turned down by New York Life, you should take the time to carefully review the denial letter, gather and assemble all of the documents, records, and information you have, and set up a free initial case evaluation with an experienced disability appeals attorney. Our lawyer will help you take action to hold the company accountable.
Frequently Asked Questions (FAQs)
What Steps Should I Take to Apply Disability Benefits With New York Life?
Similar to other insurance companies, New York Life has strict rules and procedures that you need to follow when filing a disability claim. You can get a company’s initial claims form from your employer or directly from the insurance company. Applicants must complete every section of the claims form and provide all necessary medical and vocational records. If you have any specific questions about filling out an initial application, please do not hesitate to contact our New York Life disability claims attorney for help.
How Are Disability Benefits Calculated?
Once you are approved for disability benefits, you may be wondering: How much will I receive in compensation from New York Life? The answer depends on the terms of your disability insurance policy and pre-disability earnings. Generally speaking, disability benefits are paid out at between 40 percent and 66 percent of an applicant’s pre-disability average weekly wages. If you have specific questions about how New York Life Insurance calculates disability benefits, contact our legal team for help.
How Much Does it Cost to Hire a Lawyer to Appeal a Denial?
If you are fighting for short-term or long-term disability benefits, the last thing you worry about is another bill. At The Law Office of Nancy L. Cavey, all of our clients are protected by our comprehensive no-fee guarantee. We are committed to providing cost-effective legal representation to the people who need it most. Our New York Life disability claims attorney will bring your appeal on contingency. We only get paid when we help you recover disability compensation. There are no out-of-pocket costs.
Contact Our New York Life Disability Claims Lawyer Today
At The Law Office of Nancy L. Cavey, our disability lawyer has the skills, experience, and passion to protect your rights and help you maximize your benefits. You can rely on us for top legal representation. If your disability claim was denied by New York Life, we are more than ready to help. Contact us today for a free, strictly confidential initial consultation. Based in St. Petersburg, we provide disability law representation throughout Florida.
