If you feel your Northwestern Mutual disability claim was wrongly denied, contact our law firm for assistance. Disability insurance is an asset that is key to your prosperity and peace of mind. The best way to prevail in your claim is to consult an experienced disability lawyer and clearly understand your options.
Marc Whitehead & Associates is prepared to help you prove your disability claim either through an administrative appeal or in litigation. We will advise you with exceptional legal guidance in accordance with the highest standards of the law.
About The Northwestern Mutual Life Insurance Company
A Fortune 500 company, Northwestern Mutual has been around for more than 150 years. They market diverse financial products and services, including long term disability insurance. Their disability plans include both group and individual insurance benefits.
In our experience, Northwestern Mutual is one of the more solid disability insurance companies. Our claim reviews and communications with this company show they are generally not in the business of withholding disability benefits falsely or in bad faith. However, there can still be legitimate differences of opinion as to individual claim decisions that must be appealed, even with Northwestern Mutual.
Appealing Northwestern Mutual Disability Claim Denials
Here is a rundown of Northwestern Mutual’s disability coverage, and the laws that control them. Our attorneys will discuss with you the laws under which your claim is governed, and the timelines and actions that must follow.
It is not uncommon for professionals to own more than one policy with this company.
Individual Disability Income Insurance (DI): Individual policies are sold in various forms of coverage for a variety of occupations and lifestyles, whether you work full time or part time, and even for people who contribute to the family’s wellbeing while staying at home.
Disability Income (DI) Insurance for Physicians and Dentists: This insurance is marketed to medical and dental professionals to meet the needs of the individual within his or her medical or dental practice. Through various provisions and options, these policies are contracts written with special “own occupation” definitions for different disability scenarios. A specialized definition of “total disability” is also designed for doctors and dentists.
A Northwestern Mutual disability claim filed under a privately purchased insurance policy is generally governed by state insurance and bad faith law.
Group Long Term Disability Insurance for Medical and Dental Practices: Often in this form of insurance, working owners qualify as plan participants. The Northwestern Mutual policy may define insureds to include owner-employees and other employees or members who participate in the plan. For instance, physicians may own the practice, and those physicians may also be employees along with other eligible employees.
Group Disability Insurance: Your Northwestern Mutual disability claim may also be under a group disability benefits plan provided by your employer. These are more general, base plans covering employees typically with a maximum of 60% of take home pay.
Claims under group plans are generally regulated by strict federal law called ERISA.
Legal Issues with Northwestern Mutual Disability Claims
With Northwestern’s diverse policy options and various forms of disability coverage, it is critical to understand the terms in your policy and the benefits you have. We can help you present a strong, evidence-based case that demonstrates you are disabled under your policy.
We’ll examine your letter of denial against your claim files and your policy, to learn the reasons Northwest Mutual denied or terminated benefits. Know your rights and options, and how to best proceed to secure the disability benefits you deserve.
Contact Us for Immediate Help with Northwestern Mutual Claim Denial
When we take on a case, it is because we believe in the merits of that case. Marc Whitehead & Associates law firm works with people nationwide who have been improperly denied disability insurance benefits by their insurance company.
In most cases, we work on a contingent fee basis, which means our fees come from the benefits we are able to recover for you. View our 100% Satisfaction Guarantee.