Northwestern Mutual Approves Claim For Disability Benefits

Prior to contacting our office, our client was having little success in securing his disability insurance benefits under his privately purchased individual disability policy with Northwestern Mutual. Our client, the sole owner and employee of a small lawn care business, suffered an eye injury that required surgery and left his vision severly compromised. Left with only one properly functioning eye his doctor advised him that he needed to be especially protective of his healthy eye or he could risk blindness. Given the physical nature of our client’s profession and the occupational duties required to execute same he was forced to close his lawn care business and filed a claim for disability benefits with Northwestern Mutual in January 2017.

Northwestern Mutual is one of the most reputable disability insurance companies, and with that reputation comes very thorough, in depth reviews of any claim for disability benefits. At first our client tried to properly respond to all of Northwestern Mutual’s request for information but quickly became frustrated and overwhelmed with the process, and essentially stopped pursuing his claim in September 2017. In May 2018, nearly eight months after he received his last correspondence from Northwestern Mutual our client decided to look into the matter further and contacted our office and spoke with Attorney Stephen Jessup.

Establishing The Claim

Attorney Jessup reviewed the information provided by our client and realized quickly that the main issues preventing a payment of benefits was due to a misunderstanding on our client’s behalf and miscommunication between our client and Northwestern Mutual that led to a stalemate. The most relevant issue was determining our client’s occupation for purposes of disability. Our client’s policy determined disability based on the inability to perform one’s occupation or occupations, if more than one. Therein lied the problem. Northwestern Mutual had determined that our client had two occupations – Lawn Care and Rental Property Management. Attorney Jessup believed that the our client’s only occupation was that of a Lawn Care worker and that any income derived from his rental properties did not constitute an occupation, but was rather passive income generated from investment rental properties.

Despite the disagreement as to what constituted our client’s occupation, Northwestern would not budge from its position and cited initial claim forms submitted by our client at the inception of the claim to support its position. Regardless of Northwestern Mutual’s position Attorney Jessup knew that based upon the partial disability provision in our client’s policy that he would still be eligible for partial disability benefits and made argument as to our client’s entitlement to same while continuing to argue entitlement to total disability benefits.

Nearly two years after filing his claim for benefits, and only a few short months after retaining Attorney Jessup, Northwestern notified our office that it was approving partial disability benefits and then total disability benefits retroactive to January 2017.

Disability Claims With Northwestern Mutual

As noted above, Northwestern Mutual is very thorough in its review of claims for long term disability benefits and will often require a great deal more information as part of its review than the vast majority of disability carriers. As such, it is crucial that in submitting a claim for benefits that an insured be very organized and prepared in advance. Had our client contacted our office before filing his claim there stands a chance many of the obstacles encountered could have been avoided.

If you are contemplating filing a claim with Northwestern Mutual, or have an existing claim and have any questions regarding same please feel free to contact our office to speak to one of our disability insurance attorneys.

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FAQ

Do you help Northwestern Mutual claimants nationwide?

We represent Northwestern Mutual clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Northwestern Mutual disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Northwestern Mutual. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Northwestern Mutual.

How do you help Northwestern Mutual claimants?

Our lawyers help individuals that have either purchased a Northwestern Mutual long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Northwestern Mutual:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Reviews   *****

Celestine D.

I am a 61 year old Senior Business Analyst. I had been working at a health insurance company for approximately 11 years when I became disabled and have had numerous, bulging disks, nerves that were severely impinged, and active arthritis and degenerative disk disease throughout my spine. I underwent back surgery for L1 thru L5 infusion which included insertion of 2 titanium rods and 6 pins. I continue to undergo physical therapy 3 xs per week. Not to mention the surgery left me worse than before the surgery considered a FAILED BACK SURGERY. I’m unable to sit or stand for more than 2 hours with getting up. I am unable to walk for more than 1 city block. I also have many other medical conditions. After collecting LTD from Lincoln Financial for about 3 years, the harassment began. They decided that I was no longer disabled. In short they felt I was capable of returning back to the work force. (Social Security Disability deemed me permanently disabled)

After fighting with Lincoln and exhausting my appeals I decided to research and hire an attorney. I selected Dell & Schaefer based on their website, case success statistics, and the speed at which they returned my calls and emails.

Let me tell you, my experience in working with Rachel Alters and her assistant Michal Mizrahi is nothing short of outstanding. They responded quickly to phone calls and emails and were mindful of my concerns and information needs. Talking with the both of them made me feel confident and assured they were doing the best for me. I cannot say enough good things about Michal. She anticipated my needs and was proactive in keeping me informed as my case progressed. What a TEAM they make. Any time I reached out with questions or concerns they were very responsive and always left me feeling satisfied that I had the best in my corner. Rachel is an angel. She is so down to earth compassionate, professional and trustworthy attorney. Rachel was there to guide me from the start and helped me get through this stressful and lengthy process.

While attempting to handle it on my own, my long-term-disability claim had been denied two previous times. With the help of Rachel Alters and her team, I was able to obtain a settlement I never would have been able to get without their assistance. Rachel and her team far exceeded my expectations in every capacity. She was focused, clear, responsive, efficient and above all exceedingly knowledgeable.

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