Northwestern Mutual Long-Term Disability Denial
Northwestern Mutual has a history of wrongfully denying insurance claims, which can be devastating for those with an injury or illness that prevents them from working. Our team can help victims of Northwestern Mutual bad faith insurance practices appeal a denied claim and get the benefits they deserve.
If Northwestern Mutual denied your long-term disability claim, get a free legal case review.
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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.
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.
Depending on your disability policy, you may be able to work with Northwestern Mutual long-term 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
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.
Appeal a Northwestern Mutual Claim Denial
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.
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.
There are no upfront costs or hourly fees to work with Northwestern Mutual disability insurance denial lawyers. We only get paid if we’re able to successfully recover compensation for you.
Northwestern Mutual Disability Denial FAQs
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.
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.
Written by: Long Term Denial Team