New York Life Claims Denial Lawyer in California

When your disability insurance claim is denied, it can place you in a precarious financial situation. If your disability insurance claim has been denied, it is far from the final word. 

At Quincey Law, our disability insurance attorney can help you fight back, using all means available to you to contest the denial of your claim. We have experience taking on some of the nation’s largest insurance companies on behalf of our clients. Attorney Nicholas Quincey has a track record of delivering results for his clients.

Quincey Law has office locations in Orange County & San Bernardino County and handles Anthem Blue Cross claim denials throughout the entire state of California. Contact Quincey Law at (866) 945-9175 or fill out a contact form to learn how we can vigorously protect your legal rights to have your Anthem Blue Cross health insurance claim covered.

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New York Life May Deny Disability Insurance Claims

You may have been provided a New York Life long-term disability insurance policy through your job, or you may have purchased one on your own to protect your family. Regardless of how you obtained your New York Life long-term disability insurance policy, the company may be stringent and deny claim. If your claim has been denied, you have the legal means to fight back.

New York Life may deny your claim for a variety of reasons. They may simply claim that you do not meet the requirements for proving that you have a disability. Alternatively, the insurance company may believe that you are still able to work. Regardless of the reason for the denial, you may challenge the insurance company in court or through an appeal.

Your Routes to Taking Legal Action Against New York Life

When you have filed a long-term disability insurance claim, the insurance company reviews it to determine whether you fall into the plan’s definition of disabled. No matter how bad you think your condition is, the insurance company may reach another conclusion, especially when it means that they can avoid paying you hundreds of thousands of dollars or more. 

There are two potential ways to appeal the denial of a long-term disability claim:

• If your policy was provided through your employer, it is an employee benefit, and it may be subject to ERISA. There is a special appeals process under ERISA, where you have to go through the insurance company first. If and when they deny your appeal, you would need to go to a federal district court.
• If you purchased the disability insurance policy on your own, you can file a lawsuit against New York Life in state court. The policy that you have purchased is a binding contract, and you can sue the insurance company for breach of contract. If a judge or jury finds that you are disabled, within the meaning of the policy, they would order New York Life to pay you benefits.

Bad Faith Lawsuits Against New York Life

If you are suing New York Life in state court, you may have an additional cause of action against the insurance company. If New York Life has broken the law in delaying their response to your claim, or unreasonably denying your benefits, you could consider filing a bad faith lawsuit against them. 

A bad faith insurance lawsuit is a direct claim against the insurance company for the damages that they have caused you by breaking the law. You may even be able to qualify for punitive damages if you can prove that the insurance company’s actions were egregious and intentional. 

In one case, a policyholder sued New York Life for bad faith because he alleged that they determined in advance that they would deny his claim and they “undertook a conscious campaign calculated to delay and avoid payment on his claims.”

In general, the fact that the insurance company denied the claim is not alone evidence of bad faith. You must show that the insurance company knew that there was not a reasonable basis to deny your claim, and they did it anyway. There is a high bar that you need to meet, but you may be entitled to substantial financial compensation if you win.

What to Do if Your Long-Term Disability Claim Is Denied

Regardless of what law controls your plan, you would need to address the reason why the insurance company denied your claim. They would need to provide you with a reason why they denied your claim in the first place. If they say that your claim was missing certain information that would prove you are disabled, you may need to go back to the doctor to augment your medical records.

Then, you may hire an attorney to learn your options for fighting back. You may have a limited amount of time to act, depending on which forum you need to go to for relief. Further, you need these benefits to keep paying your bills. Your attorney could build a record that could be the basis of your appeal or lawsuit. 

How a Long-Term Disability Insurance Attorney at Quincey Law Is Paid

At Quincey Law, you would not need to pay an attorney out of your pocket when you are going to court to fight the insurance company. Quincey Law is only paid if and when you win your case. You do not need to pay us anything in the meantime. We are paid from the proceeds of money that you would get from the insurance company if your lawsuit is successful. 

Contact a California Long-Term Disability Insurance Attorney Today

Quincey Law handles disability insurance cases throughout the state of California. Our attorneys can help you take action against New York Life if they have denied your disability insurance claim. Call (866) 945-9175 or fill out our confidential contact form to speak to someone at our office. Together, we can seek justice.