Northwestern Mutual Life Insurance Company
View Disability Cases With Northwestern Mutual Life Insurance Company
Post or View Comments About Northwestern Mutual Life Insurance Company (6 comments)
Northwestern Mutual was founded in Janesville, Wisconsin in 1857 is now based in Milwaukee, Wisconsin. Through the Northwestern Mutual Financial Network, the marketing name for the company’s nationwide sales distribution arm, the company provides a range of insurance and investment products in the United States. It offers life, annuity, disability, and long-term care insurance products to the personal, business, and estate markets. The company’s life insurance products include permanent, term, combination, variable life, and universal life insurance products. The Northwestern Mutual Life also offers disability insurance products, including individual disability and group disability insurance; long-term care insurance that provides benefits in the event of a long-term illness or injury; and employee benefits plans, including medical, dental, and vision insurance.
The company’s investment products include a range of mutual funds; annuity products, such as deferred and immediate annuities at variable and fixed rates of return; cash management options; certificates of deposit; money market funds; treasury bills; unit investment trusts; and stocks and bonds. In addition, it provides advisory services, including financial planning, estate planning, trust services, and investment advisory services. Northwestern Mutual posted a total surplus and asset valuation reserve of $15.8 billion, in 2008.
As disability insurance attorneys, Dell & Schaefer have represented numerous clients with their long-term disability claims against Northwestern Mutual and its affiliated companies. Disability Attorneys Dell & Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from Northwestern Mutual:
- Application for long-term disability benefits with Northwestern Mutual
- Application for short-term disability benefits with Northwestern Mutual
- Monthly claim handling of Northwestern Mutual long-term disability insurance claims
- Appeal of a Northwestern Mutual denial of long-term disability benefits
- ERISA appeal of a Northwestern Mutual denial of long-term disability benefits
- Lawsuit against Northwestern Mutual for denial of long-term disability benefits
- Lump-sum buyout of a Northwestern Mutual long-term disability insurance policy
- Department of Insurance complaints against Northwestern Mutual for wrongful delay and denial of long-term disability benefits
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- California Consultant sues Northwestern Life Insurance Company for unpaid disability benefits
- Northwestern Mutual sued by shareholder attorney for underpaying and denying long-term disability benefits
- Northwestern Mutual Life Insurance Company denies partial disability benefits to trial attorney resulting in lawsuit for violations of Washington Insurance Fair Conduct Act
- Podiatrist sues Northwestern Mutual seeking disability insurance benefits and bad faith damages
- Northwestern Mutual rescinds disability policy after claimant paid premiums for 15 years
I am a litigation attorney with a paralyzed right vocal cord. My treating physician has placed me on vocal rest and said after the 7 years since my condition I can no longer practice law or work in any capacity involving extensive speaking. NML says I have no limitation and are refusing me any benefits at all on an occupation specific policy I purchased almost 30 years ago. My appeal has been denied.
I am a board certified cardiologist with severe diabetic comorbidities. I have had occupation specific DI policies with NML since 1980. I am now legally blind, have no feeling in my feet or hands, have severe and disabling dysautonomia with severe low blood pressure and near syncope on standing for more than 5-10 minutes. I have restricted myself from the operating room due to the fact that my vision is so poor and my manual dexterity is non-existant. I am also unable to stand for more than a few minutes.
NML claims analysts have determined that since I still go into my office to manage my staff and other physicians who work for me that I am not totally disabled. I was told that the policy I have was no longer being offered to certain professionals and that despite the fact that I can no longer performs one or more of the major duties of my profession, I am not considered disabled since the onset of the diabilities was gradual over 5-8 years that no definite start date can be defined and therefore I lose.
I filed an appeal but as you might guess, they ruled again in their favor. NML has played this game so many times that they know the loopholes and how to screw the policy holder who has no where near the experience in fighting the “giant.” If they should lose the case, their only outcome is to pay what they would have paid if the claim was settled fairly.
When I argued that the NML representative misrepresented the product that he sold to me, their response was that the selling agent was just a salesman with no extensive policy knowledge. They also stated that they were not present during his sales pitch and therefore could not comment on any of his statements to me.
Northwestern is the Quiet Company that silently screws its policy holders but are too big to fail, I guess.
I am a litigation attorney with a paralyzed right vocal cord. My treating physician has placed me on vocal rest and said after the 7 years since my condition I can no longer practice law or work in any capacity involving extensive speaking. NML says I have no limitation and are refusing me any benefits at all on an occupation specific policy I purchased almost 30 years ago. My appeal has been denied.
Cynthia, I am sorry to hear about your situation. In order to determine if we can assist you, we need to review your denial letter and a copy of your policy. Please contact us confidentially so that we can discuss your claim.
I have two words for each of you: “BAD FAITH”. Sue NML, ask for a jury trial and let justice prevail. There is no reason why your legitimate claims have been denied. These accounts go to the very heart of why the public does not trust insurance companies.
Pam,
Thanks for your comment. Bad Faith can be a very powerful tool, however ERISA governed disability insurance policy holders have no right to a jury trial and no right to bring a bad faith suit. Unfortunately there are only a few states in the country that allows a disability insurance claimant to sue for bad faith damages.