A California woman’s New York Life disability insurance lawsuit alleges that NYL and Unum failed to honor disability benefits due under the policy.

The plaintiff who filed this New York Life disability insurance lawsuit, Ella R., was covered by New York Life disability insurance that she had purchased on October 15, 1993.

Ella stopped working as an office administrator for a medical clinic in February 2008 due to a disability. This disability involved a degenerative disc disease that prevented her from performing her job.

After consulting a doctor, in fact, the plaintiff actually found that she had also suffered from a meniscal tear, patellar tendonitis, and carpal tunnel syndrome.

Ella R. filed for total disability under the terms of her Unum policy on March 1, 2009.

At first, the plaintiff was granted her total disability benefits that would cover the period between April 29, 2008 and January 29, 2009.

Ella spent the next several years undergoing tests and exchanging medical documentation with Unum regarding her disability. Unum even referred the plaintiff’s disability claim to the Special Investigation Unit (SUI) over suspected fraud in June 2012.

The plaintiff provided documentation of her disabilities, referring Unum to the medical professionals who had diagnosed her or treated her, and continued to request her disability insurance.

Eventually, on May 27, 2015, Unum determined to uphold its decision to deny the plaintiff’s total disability benefits insurance claim.

Ella R. had exhausted all administrative means over the course of several years, but still had one path forward: filing a New York Life disability insurance lawsuit.

The New York Life disability insurance lawsuit was filed on two counts: breach of contract and breach of the covenant of good faith and fair dealing.

Filing a New York Life Disability Insurance Lawsuit

Unum Life Insurance Company of America, or Unum, is the single largest disability insurance company in the country.

A growing number of plaintiffs are filing lawsuits like this New York Life disability insurance lawsuit against insurance companies, claiming that they were unfairly denied their claims to benefits that they qualify for under the terms of their insurance policies.

This disability insurance lawsuit and others like it allege that Unum, as the largest disability insurance company in the country, has unfairly denied the disability insurance claims of plaintiffs who are qualified to receive such benefits.

Some lawsuits go further, alleging that this company and others purposely denied the claims of hundreds of thousands of workers with legitimate disabilities for no reason other to increase company profit.

Former employees of Unum have reported being instructed to purposely deny insurance to people with legitimate claims to disability benefits in order to fulfill the company’s quota.

Consumers, like Ella R., who have exhausted all recourse through applications and appeals for disability benefits may turn to filing a lawsuit over denied disability benefits, hoping to reverse Unum’s denial.

If you or someone you know has been denied their proper disability benefits by Unum Life Insurance Company of America, you may be able to file a lawsuit over denied disability benefits.

The New York Life Disability Insurance Lawsuit is Case No. BC63575, in the Los Angeles County Superior Court of the State of California.