Health Advocacy Services are NOT insurance, and this program does not provide reimbursement for financial losses. Health advocacy services are provided under a contract with Health Advocate, Inc. which is solely responsible for its products and services. Full terms, conditions and exclusions are contained in the applicable client program description and are subject to change. Services available at the option of employer for an additional cost and not available to Health Advocate Inc. existing clients. Program availability may vary by plan type and location and is not available where prohibited by law. This program is not available under policies insured by New York Life Group Insurance Company of NY.

New York Life Group Benefit Solutions products and services are provided by Life Insurance Company of North America or New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company.

Life Insurance Company of North America is not authorized in NY and does not conduct business in NY.

New York Life Insurance Company
51 Madison Avenue
New York, NY 10010