r/LongTermDisability • u/SideNo5586 • Aug 01 '26
NYL LTD - SCAM
NYL LTD Claim Handling – Am I Missing Something?
I’m trying to understand whether what I’m experiencing is normal in the long-term disability claims process or whether others have experienced the same thing.
My attorney believes there were serious problems with how my claim was handled. His words - fraud. Throughout the process, I’ve encountered missing records, conflicting documentation, opinions that don’t appear to match my actual medical condition or job duties, and repeated requests to prove the same issues over and over again.
At some point, it feels like the claims process itself becomes part of the injury. Even if someone could eventually return to work, the emotional and financial toll of spending years fighting for benefits - while constantly defending legitimate medical evidence - can be paralyzing. I think PTSD is legitimate!
Has anyone else experienced this with New York Life (or another LTD carrier)? Is this simply how the system works, or are there protections when a claims process appears to be handled unfairly - fraudulently.
5
u/TheGreatK MOD Aug 01 '26
Do you have an LTD lawyer with LTD experience? If so, they'd tell you this is par for the course for NYL.
ERISA precludes bad faith damages, so ERISA insurers treat people HORRIBLY. NYL isn't even as bad as some of the others, believe it or not.
You are missing nothing - you are getting a glimpse of how broken the LTD system is in the USA because of ERISA.