Northwestern Mutual Disability Benefit Denial
Insurance companies like Northwestern Mutual have one goal: to create wealth for their executives and investors. This wealth may be generated at the expense of policyholders through unfair claim denials, as long-term disability (LTD) insurance denials provide a clear path to increased profits
Insurance companies have a legal duty to their policyholders to act in good faith and fair dealing. If Northwestern Mutual denies a legitimate claim, they may be acting in bad faith.
Unfair disability insurance claim denial is one way Northwestern Mutual may fail to meet its duty as an insurer, which has already resulted in countless lawsuits across the country.
When Northwestern Mutual denies claims, it can be devastating to a person’s financial stability and may result in an immediate loss of income, savings, home, and more.
There are options to fight back against a denied disability claim. We may be able to help you appeal the denial and secure any benefits you may be owed.
What Can I Do If Northwestern Mutual Denied My Claim?
Every state has laws banning bad faith insurance practices. However, large insurance companies like Northwestern Mutual have resources at their disposal that can make filing a successful appeal difficult.
If your Northwestern Mutual claim was denied, please know: You do have legal rights and may still have options to secure the compensation you need.
Depending on your Northwestern Mutual long-term disability policy, you may be able to work with long-term disability denial attorneys to:
- File a Northwestern Mutual disability appeal over your denied LTD claim
- Request a second appeal if your initial appeal was denied
- Submit a Northwestern Mutual complaint with your state’s Insurance Department
- File a Northwestern Mutual disability lawsuit
- Negotiate a Northwestern settlement if possible
- Take your case to court in some instances
Call (800) 995-1212 or fill out our contact form today to learn more about your legal options and see if we can help with your case.
“From the very beginning, Sokolove Law treated me with respect and compassion, recognizing the gravity of my circumstances and the impact it had on my family's well-being. Their unwavering dedication paid off, and they secured a favorable resolution in my case.”
– New York Office Worker with a Denied LTD Claim
Northwestern Mutual Appeal Process: How to Fight a Denied Claim
The Northwestern Mutual appeals process can be difficult to navigate on your own, as insurance companies may purposefully make the process confusing in hopes that you’ll give up on your claim.
At Sokolove Law, our team will work to make the appeals process as stress-free as possible, so you can focus on your health and loved ones. We have the experience and resources needed to appeal Northwestern Mutual’s decision and fight for compensation on your behalf.
Insurance providers will look for any reason to deny your long-term disability claim, but our attorneys know their tactics and can build a strong appeal that withstands their scrutiny.
Long-term disability claims often get denied for lack of sufficient information like medical records and statements from your doctors, but we can gather all of the necessary evidence to support your appeal.
There are no upfront costs or hourly fees to work with our Northwestern Mutual disability insurance denial lawyers. We only get paid if we’re able to successfully recover compensation for you.
Don't Give Up on Your Benefits
We've helped thousands of clients across the country challenge their insurer's decision and secure the benefits they deserve. Contact us now to get started.
What Happens After You Appeal a Northwestern Mutual Disability Denial
After you appeal your denied Northwestern Mutual claim, weeks may go by before you hear anything. You may need to check in with the insurer to make sure your appeal letter was received and ask how the appeal is progressing:
- If your appeal is denied, you should consider working with a Northwestern Mutual disability appeal attorney who may be able to request a second appeal and help strengthen your claim.
- If your appeal is denied for a second time, it’s important to remember that you may still have options.
After you’ve gone through the appeals process, your legal team may be able to file a Northwestern Mutual insurance lawsuit to overturn the denial of your claim.
“Thanks to Sokolove Law, we won the battle against the insurance company. Now, I have the support and financial security I need to focus on my health and well-being. I’m grateful for their help and would recommend Sokolove Law to anyone facing a similar struggle.”
– Engineer in Washington D.C. with a Denied Disability Claim
How to File a Northwestern Lawsuit for Denied Disability Claims
Depending on the specifics of your long-term disability policy, you’ll likely have to go through the appeals process before you can file a Northwestern Mutual bad faith lawsuit over a denied LTD claim.
Insurance companies usually have legal teams who are prepared to spare no expense fighting your case.
By working with Sokolove Law, you can even the playing field and put pressure on your insurance provider to pay you what you’re owed, whether it’s your benefits or Northwestern Mutual lawsuit settlements.
If you have a case, our attorneys can handle the appeals process and file a Northwestern Mutual lawsuit if necessary — before it’s too late to take action.
Deadlines on Filing a Northwestern Mutual Lawsuit
Laws known as statutes of limitations restrict the amount of time you have to take legal action against insurance companies.
Once the deadline passes, you won’t have the opportunity to file a Northwestern Mutual disability denial lawsuit ever again.
This makes it incredibly important to contact Sokolove Law as soon as possible after your disability insurance claim is denied by Northwestern Mutual.
An experienced Northwestern Mutual disability attorney can help you understand the deadlines in your state and take action on your behalf before these deadlines pass.
Get Help from a Northwestern Mutual Disability Denial Lawyer
If your Northwestern Mutual long-term disability claim has been denied, you may have options to fight back and pursue your LTD benefits — and Sokolove Law may be able to help.
Over the last 45+ years, our long-term disability appeal attorneys have recovered over $131 Million on behalf of hardworking clients who were wrongfully denied their LTD benefits.
Call (800) 995-1212 or get a free case evaluation today to see if our Northwestern Mutual lawyers can help you.
Denied Long-Term Disability Insurance Northwestern Mutual FAQs
Is Northwestern Mutual known for denying claims?
Unfortunately, yes. Like other long-term disability insurance providers, Northwestern Mutual has been involved in lawsuits regarding their wrongful denial of LTD claims.
If your Northwestern Mutual long-term disability claim was denied, our disability denial attorneys may be able to help you appeal their decision. Contact us today to learn more.
Why was my Northwestern Mutual long-term disability claim denied?
If your long-term disability benefits were denied, Northwestern Mutual may have claimed:
- You failed to disclose a pre-existing health condition
- Your medical examinations were insufficient or inadequate
- There were problems with your paperwork or documentation
- Your medical condition does not qualify as a “covered” disability
- Your procedure was elective, not medically necessary
Northwestern Mutual claim denial tactics often include alleging a policyholder’s injury doesn’t prevent them from performing all workplace duties.
Even if you met all of the Northwestern Mutual long-term disability requirements, it’s possible they still denied your claim — but you do have legal rights and options.
Call Sokolove Law now at (800) 995-1212 to get a free case review and learn more about your options.
Can I appeal Northwestern Mutual denied disability claims?
Yes. If your Northwestern Mutual long-term disability claim is denied, you can file an appeal, but insurance companies like Northwestern Mutual may look for reasons to not pay your disability benefits.
Any mistake on an appeal could end up costing you in the long run — but experienced Northwestern Mutual disability lawyers with Sokolove Law may be able to handle the paperwork and appeals process on your behalf.
How do I appeal a Northwestern Mutual disability claim denial?
If Northwestern Mutual denied your claim, it is in your best interest to contact a long-term disability denial attorney for help challenging their decision and potentially recovering your benefits.
With experienced legal help on your side, you can focus on your health and recovery, while we focus on the appeals process. Learn more about your legal options today during a free case review.
Can I sue if Northwestern Mutual denied my claim?
Potentially, yes. If your Northwestern Mutual long-term disability claim has been denied and you’ve gone through the appeals process already, you may be eligible to file a Northwestern Mutual disability insurance lawsuit.
An attorney can help you determine if this is possible. Find out if you may be eligible to file a Northwestern Mutual lawsuit now by calling (800) 995-1212 or filling out our contact form.
How much does a Northwestern Mutual disability denial lawyer cost?
At Sokolove Law, our Northwestern Mutual LTD attorneys work on a contingency-fee basis, which means there are no upfront or out-of-pocket fees. We only get paid if your case results in compensation.
What are bad faith claims against Northwestern Mutual?
Bad faith claims against Northwestern Mutual long-term disability insurance involve disputes over denied or delayed benefit payments.
In these claims, some policyholders state that Northwestern Mutual did not fulfill its obligations or acted dishonestly or unfairly when handling their long-term insurance claims.
Are Northwestern Mutual claims for long-term disability benefits difficult?
Unfortunately, many Northwestern Mutual policyholders have found the company difficult to deal with. Northwestern Mutual has been accused of:
- Delaying claims needlessly
- Making unnecessary requests for information
- Further complicating the claims process
If Northwestern Mutual denied your claim, call Sokolove Law now at (800) 995-1212 for help fighting back.
How much does Northwestern Mutual pay for long-term disability?
Northwestern Mutual long-term disability benefits pay a percentage of your pre-disability income each month. This percentage depends on your individual policy.
How long does it take Northwestern Mutual to process a claim?
Under the Employee Retirement Income Security Act of 1947 (ERISA), Northwestern Mutual has 45 days to review and respond to your initial claim. However, the company may request a 30-day extension to review your claim if they ask you to send additional information.
Between multiple requests for more information and additional extensions, the entire process could continue for up to 6 months.
In some cases, insurance companies like Northwestern Mutual may purposefully delay claims, as you can't appeal without an official denial letter. If you believe Northwestern Mutual is using delay tactics with your claim, consider contacting an attorney as soon as possible.
How long does Northwestern Mutual long-term disability last?
The duration of Northwestern Mutual long-term disability benefits depends on how long your medical condition prevents you from working and the specific insurance plan you have. While some LTD plans provide benefits for a set number of years, others last until retirement age.
If Northwestern Mutual wrongfully denied or terminated your long-term disability benefits, get a free case review now to learn about your legal options.
