New York Life Disability Claim Denials

Have you made a claim on a disability, health, or life insurance policy that you hold with New York Life, only for them to deny or dispute it?

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Insurance Companies We’ve Challenged
  • Unum Provident
  • Unum Life
  • Metlife
  • Sun Life
  • Cigna
  • The Guardian
  • Hartford
  • Mutual Of Omaha
  • New York Life
  • Thrivent
  • Provident
  • Paul Revere
  • Reliance
  • Prudential
  • Lina
  • Liberty Mutual
  • Transamerica
  • Aetna
  • Standard
  • Reliance Standard
Why Do People Turn to Ronstadt Law?
The reason that so many people just like you turn to us is a simple one: We fight for you. Our entire company mission, our reason for being, is to hold companies like New York Life to account for their behavior. It is our firm belief that these multi-billion dollar companies take advantage of individuals at their lowest point—and we provide you with the support and advocacy you need to make sure you get the compensation you deserve.
Why Hire Us?
We work on a no-win, no-fee model (also known as a contingency basis): If we do not win your case, then you do not pay us a single cent.

Our team has the experience and track record of handling thousands of disability and other insurance claims.

The quality and standard of the advice and representation that we provide is held in high esteem across the legal industry.

Client satisfaction is assured with all our work.

We take on cases of all types and complexities, including bad-faith cases and federal court litigation.


New York Life

New York Life, also known as the New York Life Insurance Company, is the third largest life insurance company in the U.S. and is ranked in the top 100 largest U.S. companies in terms of revenue, according to Fortune.

The company offers a number of insurance products, including:

  • Long-Term Care
  • Term Life
  • Whole Life
  • Universal Life
  • Variable Universal Life
  • Disability

If you have any type of plan with New York Life and they are denying, delaying, or disputing your claim, then contact a Ronstadt Law insurance attorney to help you.

Why Does New York Life Delay Claims?

The secret to the success of the largest insurance companies, including New York Life, is that they actually take the money they receive in premiums from their customers and then invest that money in global markets. That investment then provides the company with profits and dividends, and so they strive to keep the money invested for as long as possible.

Meanwhile, customers like you are desperately awaiting a payout or distraught at the fact that a perfectly legitimate claim has been denied. It can feel like there is nothing you can do to speed up the process, but we are here to provide you with all the assistance you need. We know exactly how life-changing an accident, injury, or health issue can be and how essential it is that you receive the compensation you expected when you paid all those premiums—we will do everything we can to get you your money fast.

What Can You Do When New York Life Denies Your Claim?

A very common tactic that insurance companies like New York Life use to deny your claim is known as “bad faith insurance.” This is when they look for any loopholes or ambiguities, discrepancies or doubts and then use them to deny a legitimate policy claim. This practice is so widespread that laws have been passed to prevent it—but it still goes on.

The reason these companies typically get away with this behavior is that they have teams of lawyers on their side, and they know that an individual American will often be too intimidated to put up a fight.

Fortunately, you can turn to a long-term disability attorney, like the ones at Ronstadt Law. We are passionate about fighting back, and we will do anything we can to make sure your claim is paid.

Examples of the ways that New York Life may try to deny your claim are:

  • Using a different interpretation of your policy terms and conditions
  • Sending you so much paperwork and administrative documentation that you will inevitably miss something or make a mistake
  • Directing you to non-specialist (or the wrong type of specialist) medical personnel to assess your situation
  • Failing to communicate with you properly
  • Ignoring medical information you send to them

New York Life Appeals Process

The appeals process for situations where a claim has been denied or disputed is extremely strict. You must write a formal appeal request, accompanied by all relevant documentation and medical information, by a certain deadline (depending on your case). Failure to do so means that you cannot appeal—and you will not get your money.

This is why it is so important that you contact a Ronstadt Law disability attorney as soon as possible. We will make sure all the relevant deadlines are met and that your appeal is submitted with all the appropriate information attached. This will be your best chance at appealing the decision, so do not delay.

The Types of Cases We Manage

Long-Term Disability Claims
Long-Term Disability Claims
Long-Term Care Claims
Long-Term Care Claims
Life Insurance Claims
Life Insurance Claims
Insurance Bad Faith
Insurance Bad Faith
Insurance Appeals
Insurance Appeals
When to reach out to an attorney for help.
Always consult with a disability attorney before submitting appeals. The strength of a lawsuit depends on the quality of the appeal.
Insurance companies want you to give up – they save money when you do. Don’t give up! We routinely go up against insurance companies and know what it takes to get your benefits. With so much at stake to protect your livelihood, don’t go at it alone.
Most firms do not provide continued support after your case is won, but we do. We provide you with additional care and protection, because insurance companies use tactics to avoid paying disability benefits after claims are won.

Ronstadt Law Leadership Team

Erin Ronstadt
Founding Partner
Kyle Shelton
Kyle Shelton
Senior Partner
five star
Ray Ortega | July 2021
In 2020 I was dealing with a Long Term Disability (LTD) appeal issue with my private LTD provider. After exhausting “in house” appeal methods to no avail, I decided I needed to seek a professional legal team to assist me with my appeal.

I performed an internet search in the Phoenix area and read through several Disability Attorney websites and advertisements. I decided to reach out to Ronstadt Law and supply them with my basic information to have the firm perform an evaluation on my appeal case.

I received a very quick response on my evaluation we started the ball rolling on building information for my appeal. I was in possession of
numerous documents for my LTD appeal; Erin and her staff worked with me to receive these documents for my case file.

Throughout my appeal process, Erin and her staff allowed me to work hand-in-hand with them to provide comments on insurance documents provided by my LTD provider. This allowed me to stay actively involved in my case and to assist in providing responses to the provider.

Erin and her staff were very knowledgeable, professional, and courteous all the way to our settlement. We settled out of court in the summer of 2021. I highly recommend Ronstadt Law for anyone who has need for legal counsel pertaining to disability issues.


I sure picked the right Firm!
100% Free Case Evaluation
We know that if you are making a disability, life, or health insurance claim, then you are more than likely concerned about your financial situation. To help you out, we provide each of our clients with a 100% free, no-obligation, no-pressure case review consultation. This gives us a chance to understand your case and see how we can move forward, and it gives you an opportunity to get to know us and the way we work.

Get in touch today to schedule your free case review.

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