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.

Questions About Hiring Us

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, 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.

Dell & Schaefer Client Reviews   *****

Sherri L.

I am very satisfied with my experience working with Dell & Schaefer. From the first intake call to the assignment of an attorney, I always felt that my questions and concerns were answered completely and timely. The attorney that handled my appeal made a very overwhelming, difficult process manageable and assisted us step by step. When dealing with illness and disability, you are not able to stand up and fight for yourself and this is where the vast experience and recommendations with LTD were relied upon. In addition, the legal assistant assigned to my case was a valuable asset to the outcome by always keeping me updated on the progress of the case and any necessary documentation that was required from me. Communication from this team was excellent.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us