What to Know
- A long-term disability (LTD) claim was filed with New York Life Group Benefit Solutions on behalf of a claimant diagnosed with autonomic dysfunction.
- His symptoms include chronic cough, shortness of breath, and chest pain during exertion.
- Dabdoub Law Firm represents disability insurance claimants nationwide; it’s the only type of law we practice.
Filing a Long-Term Disability Claim for Autonomic Dysfunction
A man suffering from autonomic dysfunction initiated a long-term disability claim with New York Life. His condition results in chronic respiratory symptoms and chest pain that severely limit his ability to perform physical activities, including those required by his job.
Debilitating Symptoms Impacting Work Capacity
The claimant's primary diagnosis is autonomic dysfunction: a disorder that affects the autonomic nervous system, which regulates involuntary functions such as heart rate, blood pressure, and breathing. As a result, he experiences:
- Chronic cough
- Shortness of breath upon exertion
- Chest pain during physical activity
These symptoms can fluctuate in severity, but even mild exertion may trigger significant discomfort or respiratory difficulty. For someone in a physically demanding job, such symptoms make full-time employment impossible.
Legal Representation to Ensure Proper Handling
The notice of claim also included a fully executed Authorization of Representation and Direction of Payment, ensuring that all communications and benefit disbursements go through the claimant’s legal team.
By formally notifying New York Life of his condition and intent to file, the claimant protected his rights under the policy and initiated the process for receiving benefits. If the insurer delays, denies, or mishandles the claim, the team at Daboud Law Firm is positioned to respond immediately.
What Happens Next in the Long Term Disability Claim Process
Once New York Life receives a formal notice of claim, it typically initiates the following steps:
- Verification of coverage and eligibility under the policy
- Issuance of claim forms for the claimant and treating physicians
- Review of medical records and functional assessments
- Determination of whether the claimant meets the definition of disability
It is critical that the insurer conduct a full and fair review under the terms of the Employee Retirement Income Security Act (ERISA). The claimant’s legal team is prepared to ensure that New York Life upholds its fiduciary duty throughout this process.
Preparing for the Long Road Ahead
This notice marks the beginning of a potentially complex and time-sensitive process. Long-term disability claims involving autonomic disorders often require detailed medical evidence and strong advocacy, especially when symptoms are difficult to quantify.
With experienced legal representation in place, the claimant is well positioned to pursue the benefits he deserves under his employer-sponsored disability plan.
Long Term Disability Insurance Law Is All We Do
This law firm was built to be a disability insurance law firm. That focus means:
- All of our lawyers specialize in disability insurance claims;
- We have experience with every major disability insurance company;
- We have won important long term disability lawsuits.
Our disability lawyers can help you 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.
Hiring an experienced disability attorney is important. Because federal law applies to most disability insurance claims, our lawyers do not have to be located in your state.
Call for a free consultation with an experienced disability attorney. Pay no fees or costs unless you get paid.