Question
Why does Northwestern ask the questions they do in the "Request for Continuation of Disability Benefits" form?
Answer
Daniel, disability insurers ask these questions in order to obtain information relating to your level of activity. NWM can say you’ve traveled to Europe and S. America on vacation this year therefore we believe that based on your travel activity you can go back to work in your occupation. Also, some policies contain foreign residency limitations which limit the period a disability insurer must pay you benefits if you reside more than a specific amount of time outside of the U.S. Your policy may contain this type of provision. For the same purpose they will ask about your engagement in other business activity or ownership. They will reason that if you are able to own another business or engage in other business activity then you could work in your former occupation. As for the bankruptcy question, if you file for bankruptcy and fail to declare your disability insurance benefits and policy as a form of income or potential income then the disability insurer can claim that you are judicially estopped from seeking disability benefits under the policy even if you had dutifully paid premiums for years.
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Policy Holder Rating
Northwestern thinks I can walk even though my left leg is paralyzed
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My claim was handled so unprofessionally – almost no written communication from NW Mutual
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NW said my relatives' claim was "not justified" and double the premium for no reason
BAD FAITH
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NML says I have no limitarion and is refusing my benefits
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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?
Q: Do you help with negotiating lump sum settlements of policies?
Q: Are there successful arguments to appeal Northwestern Mutual’s offset of claimant’s LTB by the amount of SSD benefits awarded?
Q: Why does Northwestern ask the questions they do in the "Request for Continuation of Disability Benefits" form?
Q: What exactly does Northwestern mean by “not gainfully employed in any occupation”?
Q: Why is NWM reviewing my claim when my condition hasn't changed? Is it strange that they requested an in-person review?
Q: Can I refuse to sign NWM's authoritization form?
Q: Can NWM rescind my policy because I forgot to disclose an illness I had 20 years ago (that I no longer have)? Do I have to sign their release to access everything about me?
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