New York Life Long Term Disability Cases

New York Life Long-Term Disability Claims: What You Need to Know

If you have a long-term disability (LTD) policy through New York Life and are struggling to secure the benefits you deserve, you are not alone. Insurance companies, including New York Life, often deny, delay, or minimize valid disability claims, making it difficult for policyholders to receive the financial support they need. At [Your Law Firm Name], our experienced disability attorneys are dedicated to helping you navigate the complexities of the claims process and fight for the benefits you rightfully deserve.

Understanding New York Life Long-Term Disability Insurance

New York Life provides LTD coverage to individuals through employer-sponsored group policies and private individual plans. These policies are designed to provide income replacement if you are unable to work due to a serious illness or injury. However, even when policyholders meet the necessary medical and occupational requirements, New York Life may attempt to deny claims based on technicalities, policy exclusions, or insufficient medical evidence.

Common Reasons for New York Life LTD Claim Denials

New York Life, like many insurance companies, frequently denies long-term disability claims for a variety of reasons, including:

Insufficient Medical Evidence – The insurer may argue that medical records do not sufficiently prove disability.
Pre-Existing Condition Exclusions – If New York Life determines that your disability is related to a pre-existing condition, they may deny your claim.
Failure to Meet Policy Definitions – Your policy may require that you be unable to perform the duties of your “own occupation” or “any occupation,” and New York Life may dispute your ability to work.
Surveillance & Social Media Monitoring – Insurers sometimes use surveillance footage or social media posts to argue that claimants are not as disabled as they claim.
Missed Deadlines or Incomplete Paperwork – Even minor paperwork errors or missed deadlines can result in a denied claim.

How Raval Trial Law Can Help You Fight Back

At Raval Trial Law, we understand the tactics used by insurers like New York Life to deny or delay disability claims. Our experienced long-term disability attorneys can help you:

File an Initial Claim – We ensure that all necessary documentation, medical evidence, and supporting statements are submitted correctly to strengthen your case from the start.
Appeal a Denied Claim – If New York Life has denied your claim, we can handle the appeals process, gathering additional medical records, expert opinions, and legal arguments to challenge their decision.
Negotiate a Settlement – If your case qualifies, we can negotiate a lump-sum settlement that provides you with the financial support you need.
Litigate in Court – If necessary, our team is prepared to take your case to court and fight for your benefits.

Why Choose Raval Trial Law?

Proven Track Record: We have successfully handled numerous long-term disability claims against major insurance companies, including New York Life.
Extensive Knowledge of ERISA & Private Disability Policies: If your LTD policy falls under the Employee Retirement Income Security Act (ERISA), we understand the strict rules governing these claims and how to fight back against unjust denials.
Personalized Legal Support: We work closely with you throughout the entire claims process to ensure your case is handled with the attention and care it deserves.

Get the Legal Help You Need Today

If you are facing a denied or delayed long-term disability claim with New York Life, do not wait to take action. The claims and appeals process is time-sensitive, and failing to meet deadlines can jeopardize your ability to recover benefits.

Contact Raval Trial Law today for a free consultation. We will review your case, explain your options, and fight to secure the benefits you deserve. Call us at (713) 324-8118 or fill out our online contact form to get started.