What to Expect in a Northwestern Mutual Disability Benefit Denial Lawsuit
You probably feel as if the Appeal review conducted by Northwestern Mutual was a sham and you never had a chance to have your Northwestern Mutual disability benefit denial reversed. Your feeling of being called a liar by Northwestern Mutual and questioning if it is even worth filing a Northwestern Mutual disability lawsuit is exactly Northwestern Mutual’s plan. The sad truth is that the law governing long term disability insurance claims favors disability insurance companies and therefore a high percentage of Northwestern Mutual disability appeal denials are upheld. Northwestern Mutual hopes that you will just go away and that they can strong-arm you to return to work out of financial necessity. The good news is that with a strong legal strategy your Northwestern Mutual disability benefit lawsuit can result in a recovery of your disability benefits.
What Should You Expect In A Northwestern Mutual Disability Lawsuit?
Through our experience of having helped thousands of Northwestern Mutual disability insurance claimants nationwide, we would like the opportunity to help you win your Northwestern Mutual disability benefit lawsuit. In order to help you understand what to expect in a Northwestern Mutual disability lawsuit, Attorneys Gregory Dell and Cesar Gavidia have prepared the Northwestern Mutual disability lawsuit video below. We encourage you to contact any of our disability insurance lawyers for a free immediate review of your Northwestern Mutual disability claim denial.
When Can A Northwestern Mutual Disability Lawsuit Be Filed?
The answer to this question depends on whether you have a claim that is governed by The Employee Retirement Income Security Act, also known as (ERISA). If you have a Northwestern Mutual disability claim that was provided to you as an employee benefit, then your claim is almost always governed by ERISA. An ERISA disability lawsuit cannot be filed against Northwestern Mutual until you have received a denial of the appeal you submitted to Northwestern Mutual.
An ERISA lawsuit usually must be filed within either 3 years of your date of disability or the date of the final disability denial decision. If Northwestern Mutual fails to make a timely decision on your appeal, you can file suit without having to wait for Northwestern Mutual’s appeal decision. The law governing time periods to file lawsuits is known as the Statute of Limitations and it is an area of law that is regularly changing and not consistent from state to state. In a Non-ERISA disability benefit claim denial an appeal is usually not required by Northwestern Mutual and most lawsuits can be filed 90 days after proof of loss is due but no later than 3 years after the date of denial. The period of time in which a lawsuit must be filed can be a complicated analysis determined by a combination of the policy language and the law of the state in which the person was denied. The best thing to do in many cases to avoid a statutory problem is to file a lawsuit as soon as reasonably possible.
Our Clients Have Recovered Lincoln Disability Benefits in 99% of our Northwestern Mutual Disability Lawsuits
As much as we love to beat up Northwestern Mutual for their wrongful disability claim denials, we know how to set our egos aside. Our goal for every client is to try to resolve their Northwestern Mutual claim in the most expedient and efficient manner possible. Upon review of your disability denial letter from Northwestern Mutual we can immediately let you know if you have a claim that we think we can help you with. We look forward to speaking with you to discuss your options against Northwestern Mutual.
What Are the Most Challenging Issues in a Northwestern Mutual Disability Lawsuit?
The most challenging aspect of any disability lawsuit is the fact that your Northwestern Mutual disability benefit denial is likely governed by ERISA, a pro-insurance company federal law that governs almost all employer-provided disability policies. ERISA was designed so that insurance companies could offer affordable benefits to employees and in return have limited lawsuit expenses if a disability claim is denied. If your disability policy was not provided by your employer, then you will not have to worry about the ERISA lawsuit limitations. In our video below, disability attorneys Stephen Jessup and Gregory Dell discuss the reasons why ERISA makes disability lawsuits against a company like Northwestern Mutual challenging.
Five Reasons ERISA Disability Laws Favor Northwestern Mutual
- No jury trials are permitted;
- No punitive damages;
- Very limited discovery;
- The Judge usually must apply a standard of review that defers to the insurance company’s conclusion that you are not disabled;
- The Judge can remand the case back to Northwestern Mutual for any additional chance to review the claim and deny it again;
How Much Does Our Firm Charge to Handle a Northwestern Mutual Disability Lawsuit?
The proper preparation of a lawsuit against Northwestern Mutual takes a lot of legal time and our law firm is selective in the type and quantity of cases we accept. Providing the highest level of legal work and personal attention to your claim is a fundamental mode of operation for every lawyer in our firm. We are not high volume social security lawyers that are trying to handle disability insurance claims against Northwestern Mutual.
We have been handling claims against Northwestern Mutual for over 30 years. We only handle Northwestern Mutual disability lawsuits on a contingency fee basis. This means that we charge you a percentage of the disability benefits that we recover on your behalf. If we are not successful at recovering any disability benefits for you, then you do not owe us any attorney fees or cost for the work that we have done on your behalf.
More than 90% of the disability lawsuits that we have handled against Northwestern Mutual have resolved in a one-time lump sum settlement. We encourage you to review some of our Northwestern Mutual resolved case summaries to learn more about our experience. Most of our Northwestern Mutual disability lawsuit settlements have confidentiality provisions which limit our ability to discuss specific details about the cases.
Collecting Northwestern Mutual Disability Benefits Is A Reality
Through our 30+ years of experience suing Northwestern Mutual and our daily work on behalf of Northwestern Mutual disability claimants nationwide, we have seen and we are constantly aware of every claims handling technique used by Northwestern Mutual. We are one of the few law firms in the entire country that has the experience of going through a jury trial and receiving a favorable verdict against Northwestern Mutual. As a result of our years of battling Northwestern Mutual we have established a strong reputation and a unique litigation technique that allows us to cut through the traditional 18 to 24 month delay in resolving a Northwestern Mutual disability lawsuit.
We encourage you to contact any of our disability insurance lawyers to discuss some strategies for a possible resolution of your Northwestern Mutual disability denial. It is incredible and sad how many people we see give up the fight following a claim denial as they don’t want to deal with Northwestern Mutual. Our lawyers make the lawsuit process as simple as possible for claimants by requiring almost no time or effort by the claimant to pursue a Northwestern Mutual lawsuit. Any of our disability lawyers are available for an immediate free phone consultation to discuss your Northwestern Mutual claim denial.
What are the Top 10 Reasons for Northwestern Mutual Disability Denials?
- Northwestern Mutual denied the claim based on objective medical evidence
- Northwestern Mutual’s in-house doctor denied the disability claim
- With no exam a third party medical company denied a Northwestern Mutual claim
- With functional limitations Northwestern Mutual denied a disability claim because claimant has the ability to perform sedentary occupation
- After a compulsory medical exam a doctor hired by Northwestern Mutual denied the disability claim
- Northwestern Mutual denied the claim based on a vocational consultant evaluation of employability in another occupation
- Northwestern Mutual ignored claimant’s treating doctor’s opinion of limited work restrictions and denied claim
- Based on video surveillance Northwestern Mutual denied disability claim
- My definition of disability changed from own occupation to any occupation and Northwestern Mutual denied my disability claim
- Northwestern Mutual based your denial on a mental disability and not a physical disability and therefore limited your benefits to 24 months
Resources to Help You Win Disability Benefits
Submit a Strong Northwestern Mutual Appeal Package
We work with you, your doctors, and other experts to submit a very strong Northwestern Mutual appeal.
Sue Northwestern Mutual
We have filed thousands of disability denial lawsuits in federal Courts nationwide against Northwestern Mutual.
Get Your Northwestern Mutual Disability Application Approved
Prevent a Northwestern Mutual Disability Benefit Denial
Negotiate a Northwestern Mutual Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
NWM refused to have a hematologist review my claim since my "numbers are currently normal." They ignored my primary concern of relapsing
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: Why is NWM reviewing my claim when my condition hasn't changed? Is it strange that they requested an in-person review?
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?
Q: Can you explain why NWM is still paying me while my claim is being reviewed? They said if they don't approve it, their accomodation payment is not owed back to them.
After appeal filed by Attorney Jay Symonds, NWM overturned its previous denial of long term disability benefits for California Customer Relations Supervisor
Northwestern Mutual Reinstates Disability Benefits to Attorney Suffering From Gastrointestinal Problems
Northwestern Mutual sued by shareholder attorney for underpaying and denying long-term disability benefits
Northwestern Mutual denies partial disability benefits to trial attorney resulting in lawsuit for violations of Washington Insurance Fair Conduct Act
Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.