New York Life Reviews

This company, New York Life was recommended by a friend so I took the plunge. Months later, I had not received any communications on my investment. I reached out to my friend to find out what was going on...Soon after, a meeting was set up. I entered the meeting to find the room full of People. SO apologetic, blah blah blah...to this date, I have not heard from this company since meeting. Almost a year.

My company provided LTD coverage through NYL. They have been totally uncooperative and absolutely dishonest. Unfortunately they are regulated by ERiSA which gives them the legal right to deny claims for any reason, despite conclusive evidence that the claim is valid. It's just a numbers game to them - their business model relies on people just giving up.

They are the worst company I have ever dealt with!!!! They don't return phone calls. I have three new doctors to report. It's been over 90 days and they said that my case would be reviewed and final decision in 90 days. I have two letters with decision due dates and no decisions been made. I can't seem to get on the app because the app said I don't exist. I created an account. They can't find my account with my ID number, they can't find my account with my Social, app doesn't work so I can't follow any forms if there is any forms I need to file. Worst experience of my life is dealing with them. Nobody returns the phone calls.!!!!

The worst company I have ever had to experience. Just can’t get it right. Easy straightforward requests are impossible to get done and the restrictions in place for the call center make even more difficult and a waste of everyone’s time.

My agent, knowing that I was unfamiliar with life insurance, omitted some key information that led me to believe I could use my policy like a high-yield savings account and cash it in when I needed it (alive though). When I found out that wasn't the case, I was already out thousands of dollars in payments. I thought it strange that though I kept paying into the policy, its value did not increase. When I asked my agent about this, he replied that I should keep paying for about 10 years at which point the account would "mature" and I would see its value go up.

I spoke with Customer Service Advocate" Dawn". She was very patient and empathetic with my situation. Dawn is a great asset to your organization, and I'd recommend New York Life to friends and family. Thank you.

NYL was nothing but trouble for my short term disability claim. They would hold 4-6 weeks of payment claiming it was the Dr. fault but they made excessive records requests and were very slow to pay their invoices. Anything not to pay. In the end I had to get my own records and pay to have multiple pages sent via fax

My wife literally had a baby 3 hours ago and I received a call from someone at NY Life demanding to talk to her and scolding me for not recognizing how serious it is for them to immediately speak with her. This is completely unacceptable behavior from anyone in the customer service industry especially when coupling that with a disability or medical leave claim. Do better.

NY Life long term care policy owners need to be aware of a sleazy way they cheat their policyholders. When a person is approved and receiving long term care benefits, they no longer pay their premium, yet they are billed anyway. NY Life uses a separate company to process claims who is most likely incentivized to keep claims and cost down. By billing people for premiums even when they are approved for benefits is a clever way to add revenue while having deniability that it was intentional.

My employer just switched from Prudential to NYL. We’ve only used them for two weeks and their customer service has been HORRIBLE to work with. I’m having a baby any day and no one is clear on what needs to be done for my short term disability no matter how many times I chat or call. But the worst part of the entire experience is that they openly admitted they allow their chat reps to hang up on you if you ask too many questions! On 1/17 I live chatted with Gwynda C who rudely disconnected on me. I live chatted again and was told by Kerry Y that “if there is back and forth regarding a claim, we can disconnect the chat. The supervisors are aware of that as well.” There was back and forth because she was incompetent to answer my questions, and yet you allow your chatters to do this?

New York Life is a horrible company, run and staffed by horrible, incompetent liars who take perverse pleasure in ruining lives. I think every single person who works there has deep psychopathic tendencies because NONE of them care or have any humanity in them at all. There is not a single claim that they feel is legit, so they just use the DENY, DELAY & DEFEND tactic to wear people down. The important thing is that since everybody who works there is a psychopath, they all sleep very well knowing the lives they’ve destroyed.

If I could, I would give NYL 0 stars. They have robbed me of nearly $5000. In the first incident, based on their representative’s advice, I deposited over $800,000 with them. When I asked for my money, they refused to pay me the interest and would not give me an explanation. The interest was approximately $3000.

So I filed my claim back in 2023 and I told them I didn’t have short term disability due to my disability I deal with every day. She the lady said I would have to file std so I said ok. Denied so then I filed my ltd from 2023/2024. They denied me so now I have to appeal it because Avery the lady who kept calling me when I was in the hospital and when I got out of the hospital.. talking about no doctor sent in my medical records all joke on her. So what I did was call my doctor office and had three on three when my nurse told her we sent everything over and in my system Ms. ** sign for you’ll to get her medical records as well and they are getting them together. So Ms. Avery my case work didn’t say anything but ok.. then three days letter she said me asking me about a new doctor that my pcp refers me too.

NY Life experience was a big con job. They take so much of your money when you repeatedly say you want NO riders. Don't waste a cent with them. Liars and cheaters was my experience. Less than a quarter of my money left after 25 years.

My claim with NYL for long term disability, though time consuming, was handled in a professional and caring manner by all of the employees of this company. From my local representative to my case manager, and the NYL LTD Team leader, I felt that they were always looking for ways to help. Special thanks to Nakita, DeAnna, and Mellisa for all of their hard work! I would definitely recommend this company for all of your benefit and financial needs!

New York Life is a joke. They an excuse for everything. I filed std claim back August. Here is October still have not been paid for my claim. They called me on Aug 27 saying they have been trying to reach my doctor and not getting a response. So I get a hold of the doctor. No info received. I called back to have it resent. Make a long story They kepted telling me they didn't get the doctor's faxes so I had the doctors email it to me. I uploaded on the site. It took them until Sept 11 to tell me they denied my claim. So I sent a written letter in on 9/11th then from 9/11 to 9/20 it took them that long to send my request over to the appeal department.

They denied my claim because they "were missing a page" of my FMLA. Got a copy from my doctor office and all pages were scanned and faxed to NYL. SO many people have problems with this company where I work. People are getting behind on bills because their STD payments are not being made timely. Everything is a battle. I caught them in a lie now about my paperwork, thinking about contacting a government agency since it was for FMLA and they denied me even though all paperwork was sent.

They were unable to ever get my records which were easily accessible by following the command prompts from the phone directory of my doctor. Continually had to get records and fax to them as they do not use email and the upload function of their website never worked over the 3 months I was down. Absolutely zero consumer service from case manager Erin. Filing a complaint with my company. Hope to get them removed as a provider for our company. Highly recommend steering way clear of this group.

Many issues: they do not actually contact your provider. I called many days in a row to ask if they got a hold of her and never talked to the same person twice, so how do they know that the contact has actually been made? They prefer to use physical mail which means that by the time you actually get the paperwork they send, you only have maybe 1-2 days to complete it until they close out your STD/FMLA request. They send so much paperwork that you don't know what you need to complete. On top of my actual temporary mental illness, this has caused me so much stress. They do this on purpose so that you give up and they don't have to pay you.

Lies & says they don’t receive info that providers send, even w receipts they received it. Does anything to keep people from getting benefit payments. Doesn’t care if you get evicted or anything due to their constant stopping your payments. Will watch you lose everything and not be helpful at all.

We filed for our LTD in MAY, we paid for it through our employer Target. NYL drug its feet even putting the claim into the system and has also drug its feet on the review of my husband's medical/psych disability. Now we are being evicted. We should have received our money back in June had they done what they promised back in May. Excuse after excuse and delay after delay. Don't waste your money on this product.

If you're even lucky enough to even get your LTD benefits from this company, They will not pay you consistently every month! One month you might get it on the 17th or the next month it might be on the 23rd, 25th, 27th Who knows. It's complete roulette. The absolute worst insurance company EVER!!!! The only thing this company does well is find ways to stop paying you. I 110% believe they put all their resources into shafting claimants one way or another unfortunately.

This is the WORST company to have insurance with. They give you the most difficult time to get your disability approved. AMANDA ** and her team is horrible at communication and following up. They called me the day my case closed to inform me that they couldn’t get in touch with my doctor to approve my case. My doctor and I have been doing everything to get my case open but they keep asking for more and more documents at the last minute. I’m now late on all of my bills, can’t afford my copay for my doctor visits, and my job is threaten to cut ties because NYlife hasn’t updated my case. I’m still waiting for my case to be approved which has been closed since 06/05/2024.

Horrid benefit waiting period means I didn't get paid at all the one time I tried to collect. Conflicting information from customer support had me go fill out (and get denied) state benefits, suggesting I could collect from NYLGBS if I did so. This was not the case.

Paid insurance for short term disability for over 11 loyal years through my employer and never had need for a claim until recently. Became ill and out of work for a few months due to debilitating symptoms from unknown condition. NY Life denied claim stating my records did not support functional impairment and “no documentation of what activities or tasks unable to perform”. Records clearly indicated what my impairments were and testing was still in progress in search for a diagnosis. During appeal doctor provided a letter and finally a diagnosis.

NY Life is literally stealing from me. I was given mistaken advice from my benefits supplier, and I applied for Disability insurance. Shortly after the application I realized that I didn't need this coverage. Per NY Life's instructions I sent in the form to cancel. I called shortly after and months before the policy even took effect and to ensure they had received my cancellation. They did. However, the policy went into effect anyway. Almost 8 months later they are still taking money from my check every week. I have called them at least a dozen times and spent hours and hours on hold. When I call, they always say that they DO see the cancellation, but don't know what is going on. They always promise to call me back, but NEVER do. Their call center must be only a few people because I get the same reps every time.

I have been dealing with New York Life Long Term Care for about 8 months. My father passed in August and had diligently paid into the policy for 20 years. New York Life is interested in collecting money but they make it nearly impossible to submit claims. I have called on multiple occasions and have been told different information each time I have called. They demand one paper, then another, then say you never sent in the one they wanted. The only time I got a little movement on them is when I tracked the dates and what I was told and asked for names and to state specifically what they told me again. They are the worst people I have ever dealt with.

I have read all these reviews about New York life and they all say the same thing. Everybody pays into the insurance but when it comes time to collect you are just an annoyance. I have been hung up redirected and bullied throughout this whole experience. My wife had a store in July instead of using short-term dis. She used her PTO but when that was exhausted she sent in a claim for shore disability in the new year. They denied her claim because they said it was an existing condition and when I asked what else I could do the agent blew me off to another department that had no idea what I was talking about. We then filed for her long-term disability because that's what they told us our notion was and directed us to do so.

I am disabled. I already had multiple disabling conditions for years but then I became officially too sick to work in 2020. It all became too much when I became sick with yet another disabling chronic disease and then a whole other a few years later. I first went through Reed Group for my short term disability (STD) and then was switched to long term disability (LTD) with New York Life through my employer. At the time they were Cigna. NYL bought Cigna. Which was a shame, because they were more understanding and patient.

Their website is still from 1990's??? It good be more automated to save us time. Calling them takes a lot of time. Especially when there is more than one owner of the policy then one has to get on the phone with them one by one.