Northwestern Mutual Approves Long Term Disability Insurance Benefits for Veterinarian

Our client was a long time Emergency Room Veterinarian whose job was far from what most envision when thinking of a Veterinarian. Unlike your local veterinarian, his job required that he be able to drive long distances, encompassing several states to provide ER services at various facilities. Long hours with no pre-set idea of how a work day would unravel were the norm. Granted some nights could be relatively quiet and benign, but others would be a barrage of action and surgeries to care for animals. Needless to say, he not only loved his job, but the animals and families that he served. It was this love that compelled him to continue to work despite the fact he was in severe pain and discomfort as a result of chronic venous insufficiency of his legs.

Northwestern Application For Long Term Disability Benefits

When our client first contacted Attorneys Dell and Schaefer to explore filing his application for long term disability benefits he was unsure as to what to expect with the process, as well as what the terms of his private individual disability policy actually meant. Was his claim a partial disability or a total disability? Had too much time passed since he stopped working for him to apply for benefits? Like many people considering filing for disability insurance benefits, especially medical professionals, our client had never imagined a day would come that he would have to stop working due to an illness. And like most he thought that he might still be able to return to work on a full time basis. Only with the passage of time away from the ER did he realize his condition was going to prevent him from managing the long distance driving and the long nights on his feet performing surgery.

Faced with the reality that a medical condition is preventing one from pursuing their life’s work, it is quite common that the last thing one can focus on is preparing and organizing all of the information that is going to be required by the disability insurance company in order to evaluate a claim for benefits. From the beginning Attorney Stephen Jessup discussed with our client what to expect in the application process and identified all of the factors that would be considered by Northwestern Mutual when evaluating the claim. From there they set in motion a plan in which to gather and organize information in order to properly present the claim to Northwestern Mutual.

Preparation is Essential in Securing Long Term Disability Benefits

The review of a claim for long term disability benefits by an insurance company is seldom a quick process. However, experience in representing hundreds of disability claimants helped Attorney Jessup in preparing the most effective application packet to Northwestern, which also included providing information that he knew would be required by Northwestern in advance of any request for same. In doing so, valuable time was saved and facilitated the review of the claim being completed in a timely manner. Prior to Northwestern Mutual rendering its final decision to approve total disability benefits, a telephonic field interview occurred. As expected, much of the information discussed in the field interview was the same information that Attorney Jessup had indicated to our client would be areas of questioning by Northwestern Mutual. Prepared for what to expect, our client was able to fully answer all the questions posed by Northwestern Mutual. Based on the totality of the circumstances, Northwestern Mutual fully approved our clients claim for long term disability benefits, forwarded all benefits owed and placed his premiums on waiver.

Long Term Disability Application Legal Assistance Is Important

An application for long term disability benefits is one of the most critical documents in an insured’s claim. The application sets the tone and the course of an entire claim. Before filing for benefits it is important to consult with an attorney so you better understand what your rights are under your policy. Many claimants have found our videos on the application process as a helpful informational tool. Our legal fees are reasonable and flexible. Contact Attorneys Dell and Schaefer for a free consultation to discuss how we may be able to assist you in preparing an application for long term disability benefits.

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, 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.

Dell & Schaefer Client Reviews   *****

Patrick J.

My experience with Dell & Schaefer began after a prolonged and frustrating experience with my disability carrier subsequent to contracting an illness which left me incapacitated. As a few examples of the frustration I am referencing: I had been accused by the ‘doctors’ appointed by my carrier to review my case as being a narcissistic fraud; the carrier sent a man to my home in the country unannounced to interview me (while I was not there but my wife and small children were); the carrier seemed to be fighting my doctor’s diagnosis and statement regarding my disability and illness; the carrier was not communicating well with me and was being cryptic with responses to legitimate questions.

I finally was so stressed from what should have been a simple process, and exhausted from the emotional and mental toll of filing a claim, that I was about to give up in the interest of maintaining what little health I had left and not wasting it fighting my carrier. I reached out to Greg Dell and he immediately set up a time to talk with Stephen Jessup and himself. I told them I just couldn’t keep managing the process – that the fight was taking its toll and I was inclined to either ‘tap out’ or quit altogether. After reviewing my case they were more than happy to drive their tank into the battle which I had been fighting with a handgun (Mr. Dell’s example). I signed with Dell & Schaefer, and suffice it to say this ‘tank’ comment seems to have been true as the very same day my carrier received the letter from Dell & Schaefer saying I had engaged their services is the same day my claim was approved.

I was curious to see how service would be after they had me contractually obligated to them. I have been impressed on this front as well. Every effort to correspond receives a response within 24 hours. Mr. Jessup is my primary contact and I have received more than one personal note from him encouraging me as I battle my illness; I believe that he really does care beyond just the financial interest the firm has in my case. On the business side of my interaction with them, I have been impressed with the thoroughness and timeliness of all responses – no matter how unimportant they might seem to Mr. Jessup. On the occasion when a question is more administrative in nature and Mr. Jessup or Mr. Dell need to defer to one of their staff, the staff is equally as timely and thorough and professional in their responses.

The stress and frustration of dealing with my carrier are gone; this benefit in and of itself is priceless. To add, I feel the benefit I gain from having Dell & Schaefer as my advocates makes their fees seem to be an excellent value.

***** 5 stars based on 202 reviews

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