When New York Life denies a long-term disability claim, it can leave you facing financial uncertainty at the very moment you need stability the most.
Disability benefits are meant to replace lost income when a serious medical condition prevents you from working, yet insurers often deny valid claims.
At BenGlassLaw, our New York Life denied long-term disability claims lawyers know how overwhelming a denied claim can be, and we know how to push back. Our firm has recovered over $100 million in claims and benefits for disabled individuals, helping them secure the financial support they deserve.
Don’t delay after receiving a denial from New York Life; call our denied long-term disability lawyers today to get a free consultation.
What to Do If Your Long-Term Disability Claim Is Denied
Receiving a denial letter from New York Life does not mean the process is over. In fact, it often marks the most important stage of your case, where the right actions can significantly affect the outcome.
Here is how you should respond after receiving a denial:
- Carefully review the denial letter to understand New York Life’s stated reasons and note all appeal deadlines.
- Request a copy of your claim file and the policy governing your long-term disability benefits.
- Gather additional medical evidence, including updated records, physician statements, and functional capacity evaluations.
- Avoid submitting an appeal without legal guidance, as ERISA appeals often allow only one chance to add evidence.
- Contact an experienced long-term disability lawyer at BenGlassLaw to build a strong, deadline-compliant appeal.
Taking the right steps after a New York Life denial can make a major difference. At BenGlassLaw, we are well-versed in disability and insurance claims, guiding clients through challenging ERISA rules and insurer tactics with clarity and confidence.
Having served clients since 1995, our firm brings decades of proven experience to every denied long-term disability claim, working to protect your rights and pursue the benefits you deserve.
For a free legal consultation call (703) 591-9829
Common Reasons for New York Life Denials
New York Life may deny long-term disability claims for a wide range of reasons, many of which can be challenged with the right evidence and legal strategy.
Insufficient Medical Evidence
The insurer may claim your medical records do not prove that your condition prevents you from working.
Failure to Meet the Policy’s Definition of Disability
Policies often shift from an “own occupation” to an “any occupation” standard, which New York Life may use to justify denial.
Missed Deadlines or Paperwork Errors
Even minor errors or late submissions can result in a denied New York Life claim.
Surveillance or File Reviews
New York Life may rely on surveillance footage or paper-only medical reviews to dispute the severity of your condition.
Pre-Existing Condition Exclusions
Claims may be denied if the insurer alleges your disability is linked to a condition that existed before coverage began.
New York Denied Long-Term Disability Lawyer Near Me (703) 591-9829
How Can a New York Life Denied Long-Term Disability Claims Attorney Help?
If New York Life has denied your long-term disability claim, experienced legal representation can level the playing field and protect your rights.
A New York Life denied long-term disability claims lawyer can help in the following ways:
- Conduct a thorough review of your New York Life policy and denial letter
- Gather and submit compelling medical and vocational evidence
- Handle all communication with New York Life on your behalf
- Prepare a comprehensive ERISA appeal or lawsuit when necessary
Why Should You Choose the Team at BenGlassLaw?
Choosing the right legal team after a long-term disability denial can have a direct impact on your financial future. At BenGlassLaw, we combine experience, accessibility, and client-focused service to give you the confidence that your claim is in capable hands.
Here is what we offer to those who work with us:
- Available 24/7 to answer questions and provide support
- Over 100 years of combined experience in disability law
- Serving clients like you since 1995
- Excellent customer service focused on clear communication
- Free consultation so you can understand your options without risk
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Why You Shouldn’t Wait to Get Legal Help After a Denied Long-Term Disability Claim
It’s important to note that strict deadlines apply after a long-term disability denial, especially under ERISA-governed policies. Missing them can permanently bar your claim.
The sooner you involve an experienced New York Life denied long-term disability claims attorney, the more opportunities there are to strengthen the record, correct errors, and protect your right to benefits.
Early legal help from BenGlassLaw also ensures that all required medical and vocational evidence is properly submitted before the administrative record closes. Waiting too long can allow the insurer’s version of events to go unchallenged, making it far more difficult to overturn a denial later.
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Get a Free Consultation With Our Denied Long-Term Disability Claims Lawyers for New York Life
A denied long-term disability claim from New York Life can feel discouraging, but it does not have to be the end of your case. With a knowledgeable New York Life denied long-term disability claims lawyer, your denial could be overturned or successfully litigated.
To learn more about the disability claims process and common concerns, visit our FAQ page, and consider speaking with BenGlassLaw about your denied claim. Remember, you can call us 24/7 to schedule your free consultation.
Call (703) 591-9829 or complete a Free Case Evaluation form