New York Life Overturns Denial of Long Term Disability Benefits
Our client, a former inventory control specialist for Johns Hopkins University, suffered a devastating stroke that ultimately left her wheelchair bound and with significant vision problems. Following the stroke she submitted a claim for disability insurance benefits through Johns Hopkins group employee disability plan with New York Life. Her initial experience with New York Life was not necessarily problematic as New York Life approved her short term disability claim followed by her long term disability claim without much issue. However, the long term disability plan language contained in the Johns Hopkins’ policy only had a 12 month “own occupation” period, which meant that New York Life would only review our client’s claim for disability eligibility as it related to her ability to perform her former occupation for 12 months and thereafter her ability to perform the duties of “any occupation based on her training, education and experience.” In light of this plan language, and despite having received an award of Social Security disability benefits, our client’s trouble with New York Life began soon after her award of LTD benefits.
The First Denial and Appeal
Approximately seven (7) months into her claim for long term disability benefits New York Life advised our client that based upon a review of her file by medical personnel New York Life had determined that our client would not be disabled beyond the initial twelve (12) month period. At that time New York Life sent our client a check for the remaining five (5) months of “own occupation” benefits. To most people it would seem absurd that New York Life would be able to determine our client’s ability for work five months into the future while simultaneously ignoring the opinions of her treating physicians and the Social Security Administration as it relates to her entitlement to continued disability, but to New York Life it was just another claim denial.
In light of her medical condition and the information strongly in support of her continued right to benefits our client, with the assistance of her family, filed her appeal of New York Life’s denial of benefits. Although she provided additional medical evidence in support of her disability, after conducting yet another medical file review New York Life advised our client that it was upholding its denial of her claim for continued benefits.
The Second Appeal
Following the denial of her appeal our client was referred by her Social Security disability attorney to Attorney Stephen Jessup to assist her in her fight against New York Life. New York Life is one of the few disability insurance carriers that provide a voluntary second level of appeal. Upon review of the information Attorney Jessup determined that it would be prudent to file the voluntary appeal on our clients behalf. However, the voluntary appeal comes with a very significant caveat- due to the fact that ERISA only requires one mandatory level of appeal that requires New York Life to have a file reviewed by personnel who had no hand in the claim denial, for purposes of a voluntary appeal New York Life is not required to have the second appeal reviewed by a fresh set of eyes who had no part in previous reviews. As such, Attorney Jessup knew that he would have to convince a New York Life doctor who had already determined that our client was fit for work that is opinion was wrong.
In all of the reviews conducted by New York Life, Attorney Jessup knew that the one piece of information that could be crucial in establishing that our client did not have the ability to work at a sedentary demand occupation as New York Life believed would be a functional capacity examination. Normally, when an FCE is performed a period of time after the denial of benefits an insurance carrier will typically argue that the results of the testing are not contemporaneous to the time of the denial and are therefore not an accurate reflection of physical ability. However, since New York Life denied our client well in advance of the change in definition of disability, and the fact that the denial of her first appeal came at the time of the end of the initial twelve (12) month benefit period, Attorney Jessup knew that the chances of New York Life outright ignoring the testing would be minimized.
Given our client’s physical state the FCE came back that she was unequivocally unable to perform any work on full time basis. Armed with the test results Attorney Jessup sent medical condition specific questionnaires to our client’s treating physicians that not only addressed the FCE findings, but also specifically targeted the medical reviews performed by New York Life. Attorney Jessup also made extensive argument against the vocational review performed by New York Life to systematically prove our client would not be able to perform the alternate occupations noted by New York Life’s vocational department.
The Approval
After all the information necessary to file our client’s voluntary appeal had been compiled, Attorney Jessup submitted a thirty-four (34) page administrative appeal with one hundred and thirty (130) pages of additional medical information. Despite the overwhelming amount of evidence in support of disability, New York Life continued to find any way to deny the claim to include delaying the decision by taking their 45 day extension in order to perform additional medical reviews. Ultimately, New York Life was left with little choice and notified our office that it was reinstating our client’s claim for long term disability benefits.
Attorney Jessup continues to represent our client to ensure that New York Life does not try to terminate her claim again. If you have a disability insurance claim that has been denied or is under review and have questions regarding your claim, please feel free to contact our office to speak with one of our disability insurance attorneys.
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Q: LTD canceled their request for updated med records?
A: Most Authorizations are only good for two years so depending on when you signed it, it may no longer be valid ... Read More >
Q: Why is New York Life Insurance giving me a hard time?
A: Holly, the requirements of NYL depends on the type of policy that you are inquiring about. I would need to rev... Read More >
Q: NYL LTD also have LLC
A: LLC and LTD,If you receive active income, meaning its not considered passive investment income from the LLC ... Read More >
Q: Can I submit my resignation while on STD with NY Life? I don’t know if I’ll be able to return when they want and I would rather give a 2 weeks notice.
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Q: New York Life LTD offset my disabled adult child.
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Q: My father has been in STD Cigna and LTD with New York Life since Jan 2021, diagnosed Pulmonary Fibrosis due to Covid-19. Can insurance and ex job make him return to work?
A: Walt, while no one can force your father back to work, NYL can certainly deny benefits if they believe there i... Read More >
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