Preparing and submitting a disability insurance claim to New York Life (“NYL”) can seem like a daunting task. It is important to have everything ready and submitted as early as possible. Once submitted, continue to follow up with NYL to ensure a timely decision is made.
- Submit all forms and medical records as quickly as possible
Upon initiating a disability insurance claim, be sure to submit all required forms and your medical records as soon as possible. Delay in providing this information will cause a delay in the insurance company approving your claim.
- Keep an Eye on Deadlines
Most disability insurance claims have a time frame under which a decision must be made. If your disability insurance coverage was provided by your employer, then it is most likely governed by a federal statute called ERISA.
Under ERISA, an insurance company has 45 days to make a determination on an initial claim. They may take up to two 30 day extension for a total of 105 days.
If your claim has not been decided in that time frame, you may be able to take legal action, including filling a lawsuit. Keep an eye on when you submitted the information and when NYL responds to you.
- Follow up on any requests
Often times, in a disability insurance claim, NYL will request additional information from you, your doctor(S) or your employer. If you are made aware of additional information needed, follow up to ensure it is provided. Failure to provide additional information necessary for the claim, could cause a delay or even denial of the claim.
Lawyers with Expertise in Disability Insurance Claims
This law firm has always focused only on disability insurance law.
Because we specialize in long-term disability, our clients get the benefit of:
- Having an attorney who is an expert in long-term disability claims;
- Having an attorney who has experience with every major disability insurance company;
- Being backed by a law firm that has a proven track record of winning tough disability lawsuits.
Call Dabdoub Law Firm to get experienced disability lawyers on your side.
We can help with:
- 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.
The firm represents clients nationwide with disability claims governed by federal law, even if we are not located in your state.
Call to speak with an experienced disability attorney. Pay no fees or costs unless you get paid.