If you have applied for short-term or long-term disability insurance benefits from New York Life and been denied, don't give up hope just yet. There are a few things you should know about the appeals process before you start.
In this blog post, we will discuss the steps you need to take to appeal a denial, as well as what evidence you need to provide. We will also cover some of the common reasons why applications are denied so that you can be better prepared if your application is rejected.
What You Should Know About Appealing a Disability Benefits Denial from New York Life
If you have been denied disability benefits from New York Life, the first thing you should do is request a copy of the insurance company's denial letter. This letter will detail the reasons for the denial and will also provide information on how to appeal the decision. Once you have received the denial letter, you will need to gather any evidence that you can provide to support your claim. This may include medical records, doctor's letters, or pay stubs. If you have this documentation readily available, it will make the appeals process much easier.
Once you have gathered all of the necessary evidence, you will need to submit a written appeal to New York Life. Typically, the appeal must be submitted within 180 days of the date of the denial letter.
In your appeal, you should provide a detailed explanation of why you believe you are entitled to disability benefits and how the denial was unjust. It is important to be as clear and concise as possible in your appeal, as the insurance company will use this information to make their decision.
We’re Here to Help
If you are still denied after submitting your appeal, you have the option to file a lawsuit against New York Life. Before taking this step, you should speak with an attorney to discuss your legal options.
The appeals process for disability insurance benefits can be complicated, but it is the one of the most important parts of a claim. In most situations, it is your last opportunity to submit additional evidence you will want included in your file. Once the appeal is denied, you may not be able to submit new evidence during litigation.
It is important to remember that you have rights. If you have been denied benefits, don't give up hope. With the right evidence and a strong argument with the help from our team here at Dabdoub Law Firm, you may be able to get the benefits you deserve.