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Just off the phone with NYL and also pulled one of my life policies. The thing is the question they asked on their form in no way matches the definition of disability on my original policy.
The original waiver allows for education and experience and does not apply the word "any" in the definition. The person on the phone also came up with a two year clause that actually isn't in the policy either, outside of contestability.
I now will have to resend them all the APS notes for them to consider the waiver. Even though they have all the information available to them via Unum who is handling the NYL DI policies.
I found it interesting that I had to continue to debate what was in my waiver of premium rider even after I pulled it up. There is no "any occupation" clause in this rider and yet that is what they asked without mention of education or experience.
Still feeling ripped off by the that part of this experience. All that NYL education about definition means "everything" and I am finding that for life the definition is what ever they make it out to be.
More later. Off soon to get a new foot up on life. cheers.
The original waiver allows for education and experience and does not apply the word "any" in the definition. The person on the phone also came up with a two year clause that actually isn't in the policy either, outside of contestability.
I now will have to resend them all the APS notes for them to consider the waiver. Even though they have all the information available to them via Unum who is handling the NYL DI policies.
I found it interesting that I had to continue to debate what was in my waiver of premium rider even after I pulled it up. There is no "any occupation" clause in this rider and yet that is what they asked without mention of education or experience.
Still feeling ripped off by the that part of this experience. All that NYL education about definition means "everything" and I am finding that for life the definition is what ever they make it out to be.
More later. Off soon to get a new foot up on life. cheers.