Real ChatGPT answer · index seed2SyQgM2uCbAcompleteInsurance · disability insurancehowto

My New York Life group disability plan has a waiver of premium benefit. How exactly do I prove I am totally disabled to stop paying the monthly bills while my claim is pending?

ChatGPTgpt-62 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
My New York Life group disability plan has a waiver of premium benefit. How exactly do I prove I am totally disabled to stop paying the monthly bills while my claim is pending?
2 real searches · 1 real-search pass
New York Life group disability insurance waiver of premium total disability certificate claim premium waiver pendingGoogle ↗
OBSERVEDConsequence
New York Life group disability claim forms waiver of premium provision certificate policyGoogle ↗
OBSERVEDReason

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigationalComparisonConsequence50%Reason50%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
New York Life group disability insurance waiver of premium total disability certificate claim premium waiver pending Google ↗
New York Life group disability claim forms waiver of premium provision certificate policy Google ↗
  1. Disability Claim Policies & Procedures · newyorklife.com
  2. Disability Insurance FAQs · newyorklife.com

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
New York Life group disability insurance waiver of premium total disability certificate claim premium waiver pending
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
New York Life group disability claim forms waiver of premium provision certificate policy
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1