Eric Shore | Personal Injury and Disability Lawyer
Law Offices of Eric A. Shore | 1800CANTWORK.com
Key Takeaway
If New York Life Group Benefit Solutions denied your long term disability claim, you usually have 180 days to file an ERISA appeal. That appeal is often the most important stage of the case because federal courts usually review only the administrative record created during that appeal.
Eric Shore of the Law Offices of Eric A. Shore explains that many long term disability denials happen because the claim file does not clearly document functional work limitations, not because the claimant is actually able to return to work.
Quick Answers About New York Life Group Benefit Solutions LTD Denials
Can New York Life Group Benefit Solutions deny my LTD claim even if my doctor says I cannot work?
Yes. The insurer can rely on its own reviewing physicians, who often reach different conclusions than the doctors who actually treated you.
How long do I have to appeal?
In most ERISA-governed cases, 180 days from the date of the denial letter.
Do I need a lawyer for the appeal?
You are not required to have one. But the appeal record often determines the entire case, including any federal court review that follows.
If New York Life Group Benefit Solutions denied your long term disability claim, you may still have a strong ERISA appeal. In most employer-sponsored disability cases, you have 180 days to appeal, and what goes into that appeal can decide whether you ever recover benefits.
Eric Shore, founder of the Law Offices of Eric A. Shore, has represented injured and disabled people for more than 30 years. He explains that many LTD denials occur because the medical record never clearly explains what the claimant’s condition actually prevents them from doing in a sustained work setting. That is a documentation problem, and in many cases it can still be fixed if the appeal window has not expired.
This page is written for three specific situations: you applied for LTD benefits and were denied, your benefits were approved and then cut off when the definition of disability changed, or you have not filed yet and want to get the application right before a denial happens.
You can also review the full long term disability resource center at
https://www.1800CANTWORK.com/long-term-disability
