What Can I Expect When Seeking Long-Term Disability Benefits from Northwestern Mutual?
In this video, disability insurance attorneys Stephen Jessup and Gregory Dell discuss multiple things that a Northwestern Mutual disability claimant should be aware of when seeking long term disability benefits. Northwestern is one of the better disability insurance companies and as a result a long term disability claimant needs to always be prepared to prove their eligibility for continued benefits. Watch our video to learn more and contact any of our disability insurance attorneys for a free initial phone consultation.
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Northwestern Mutual Reviews
(661)
Policy Holder Rating
5
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2
71%
1
28%
Timely Payments
2.3out of 5
Handling Claim
2.6out of 5
Customer Service
2.0out of 5
Dependable
1.6out of 5
Value
1.9out of 5
Showing 8 of 661 Reviews
Sedgwick
Denial for benefits, Sedgwick is the worst
I was not paid for 7 months on STD. My appeal was finally approved, but in the meantime I lost company match on my 401k, and then they canceled my company insurance. Out o... read more >
Northwestern Mutual
Northwestern thinks I can walk even though my left leg is paralyzed
My Northwestern Disability policy has a presumptive total clause which pays lifetime benefits for loss of use of one hand and one foot. They Have claimed I do not fulfill ... read more >
Northwestern Mutual
Northwestern is the Quiet Company that silently screws its policy holders but is too big to fail
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 fee... read more >
Northwestern Mutual
My claim was handled so unprofessionally – almost no written communication from NW Mutual
While waiting for NW Mutual’s decision on my claim for LTD benefits, I was terminated. The following week, NW Mutual sent me a letter denying my claim. Denial was seemin... read more >
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Northwestern Mutual
NWM refused to have a hematologist review my claim since my "numbers are currently normal." They ignored my primary concern of relapsing
Hi there. I have a chronic autoimmune disease that has temporarily placed me on LTD 5 times over the last 18 years. I currently am in remission although I remain on severa... read more >
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Northwestern Mutual
NW said my relatives' claim was "not justified" and double the premium for no reason
Northwestern claims examiner automatically ruled against my relatives’ claim “not justified.” We had one doctor who told us all he could do for my relatives pain was... read more >
Northwestern Mutual
BAD FAITH
I have two words for each of you: “BAD FAITH”. Sue Northwestern Mutual, ask for a jury trial and let justice prevail. There is no reason why your legitimate claims hav... read more >
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Northwestern Mutual
NML says I have no limitarion and is refusing my benefits
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 long... read more >
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Answered Questions by Our Lawyers
(13)
Showing 8 of 13 Answered Questions
Q: What do I do if my attending physician's office tells me it is their office policy to not fill out Attending Physician Statements for any patient for LTD benefits?
A: This is a big problem. You need to find a treating doctor that will complete paperwork. Northwestern Mutual re... Read More >
Q: I have tinnitus which has disabled me. And led to depression. They approved depression for 24 months. That time is coming to an end. My tinnitus prevents me from doing my primary job. How do I appeal?
A: If your tinnitus is disabling you, then your long term disability benefits should not be limited to 24 months.... Read More >
Q: Do you help with negotiating lump sum settlements of policies?
A: Marcella, yes, we do assist in negotiating lump sum settlements of policies. Northwestern Mutual is very selec... Read More >
Q: Are there successful arguments to appeal Northwestern Mutual’s offset of claimant’s LTB by the amount of SSD benefits awarded?
A: Carol, in almost all cases, no. If the policy explicitly allows for the offset, the offset is enforceable. Read More >
Q: Why does Northwestern ask the questions they do in the "Request for Continuation of Disability Benefits" form?
A: Daniel, disability insurers ask these questions in order to obtain information relating to your level of activ... Read More >
Q: What exactly does Northwestern mean by “not gainfully employed in any occupation”?
A: Carol, Gainful work would imply you are performing steady work for payment and getting paid $20 for baby sitti... Read More >
Q: Why is NWM reviewing my claim when my condition hasn't changed? Is it strange that they requested an in-person review?
A: Jim, first and foremost, NWM is one of the most reputable insurance carriers in the industry. Although your co... Read More >
Q: Can I refuse to sign NWM's authoritization form?
A: David, you do have the ability to limit the authority granted, or to refuse it- but you will be responsible fo... Read More >
Helpful Videos
(915)
Showing 12 of 915 Videos
Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips
Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
Every disability insurance policy is different, and whether your disability insurance claim is approved depends on many factors: the definition of disability in your policy, your medical condition, the thoroughness of your treating physicians in documenting your claims, and more. Our disability insurance attorneys at Dell & Schaefer have helped hundreds of p... Read More >
Tips to Protect Your Northwestern Mutual Long Term Disability Benefits
Whether you're considering filing a long term disability insurance claim with Northwestern Mutual, have recently received a denial letter, or are just hoping to keep your current monthly disability benefits, it's a good idea to do your homework before you contact Northwestern. This disability insurance carrier has a reputation for being fair - especially when compared to some of the other biggest names in disa... Read More >
What Can I Expect When Seeking Long Term Disability Benefits from Northwestern Mutual?
In this video, disability insurance attorneys Stephen Jessup and Gregory Dell discuss multiple things that a Northwestern Mutual disability claimant should be aware of when seeking long term disability benefits. Northwestern is one of the better disability insurance companies and as a result a long term disability claimant needs to always be prepared to prove th... Read More >
Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?
When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... Read More >
Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... Read More >
How Do You Fight a Long-Term Disability Denial?
Getting a denial letter from your disability insurance company is one of the ultimate insults. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter or a ph... Read More >
Dell Disability Cases
(374)
Showing 8 of 374 Dell Disability Cases
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 a... Read More >
After appeal filed by Attorney Jay Symonds, NWM overturned its previous denial of long term disability benefits for California Customer Relations Supervisor
Our client, Ms. D, formerly worked as a Customer relations Supervisor in at an Institutional Investments firm. In February 2014 a number of medical issues, including chronic pain, rheumatoid arthritis, Sjogren’s syndrome, Behcet’s syndrome, neuropathic pain, chronic migraine, diffuse connective tissue disease forced Ms. D to stop working and submit her claim for disability benefits under her employer’s l... Read More >
Northwestern Mutual Reinstates Disability Benefits to Attorney Suffering From Gastrointestinal Problems
Prior to filing for long term disability benefits under her private individual disability policy with Northwestern Mutual due to severe gastrointestinal medical conditions, our client was a courtroom attorney in civil practice. Due to the multiple complications associated with her conditions she began to experience ever increasing difficulty being able to maintain the demands of being in Court and began decrea... Read More >
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 ... Read More >
Seven Surgeries and The Standard Still Denies Disability Insurance Benefits
Our client was employed with the State of Oregon as a Technical Support Representative. She sought disability through her employer provider LTD Policy with Standard due to low back, hip, and lower extremity pain. She had two hip, two knee and three back surgeries.After paying her for 1.5 years Standard hired a board-certified neurologist to perform a review ... Read More >
Sun Life Wrongfully Denies Disability After Paying For 23 Months
We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for many years. Her job was very physical as it required her to climb in and out of semi-trucks multiple times a day as well as operate them which was very strenuous. She went out of work in due to ongoing and severe debilitating right hip, low back, and bilateral knee pain... Read More >
Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed
Our client, a registered nurse for Dignity Health, found herself in a difficult situation after being diagnosed with lumbar spondylosis and left knee arthritis. She continued to work, however, struggled while attempting to work through chronic lower back pain and left lower extremity radicular symptoms on a daily basis. Sadly, her condition failed to improve and... Read More >
Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision
The claimant is an 64 year old former Corporate Attorney and at a prominent Florida business law firm who was forced to cease working in his highly successful and rewarding profession, job, and career on January 27, 2021, and to seek disability compensation under his policies with Lincoln due to severe symptomatology stemming from or following a viral COVID-19 i... Read More >
Disability Lawsuit Stories
(765)
Reviews from Our Clients
