Northwestern Mutual Long-Term Disability Denial
If you’ve attempted to file a claim on either your long- or short-term Northwestern Mutual disability policy and received a denial letter, you don’t have to simply throw up your hands in surrender. With the help of a skilled disability attorney at Robinson & Warncke, you can appeal a denial and fight for your benefits.
How the Northwestern Mutual Claims Process Works
Northwestern provides both individual and group policies. Group policies are generally purchased by your employer. If you need to file a claim under either policy, the Northwestern claims managers will review your claim alongside the terms of your policy.
Northwestern will take your own doctor’s notes into consideration; however, they can leverage ambiguous terminology or a lack of medical certainty as an excuse to deny your claim. Robinson & Warncke understand how long-term disability companies operate and can help you prepare an initial claim by ensuring that your records accurately reflect your situation.
Tactics Northwestern Uses to Deny Your Claim
Northwestern will often require you to undergo a physical, or independent medical evaluation (IME), with a doctor who is on their payroll. Their primary focus is not to determine whether or not you have a disability, but to provide the insurance company with a valid legal reason to deny your claim.
Additionally, even when your claim is valid, Northwestern will attempt to discredit you personally. They will conduct a thorough investigation complete with social media surveys and hire private investigators to tail you around. They will also conduct background checks on you and if they can find any reason to deny your claim based on that information, they will.
How a Skilled Disability Attorney Can Help
Your Northwestern Mutual long-term disability denial letter will generally give some reason why your claim was denied. This may be as simple as claiming a lack of conclusive evidence that your claim meets the criteria for “disability” laid out in the contract. However, since that excuse is so generic, it becomes easy for claims managers to use it when they want to deny a claim without valid cause.
Robinson & Warncke can help if Northwestern Mutual has done the following:
- Determined you are not disabled using a false description of your current occupation or duties;
- Misclassified your policy as requiring that you cannot perform “any” occupation as opposed to your own occupation;
- Generalized the requirements of your job based on false assumptions of what duties someone in your occupation is required to perform;
- Failed to evaluate all medical evidence related to your claim;
- Denied your claim based on specious reasoning;
- Continually required more information as a delay tactic;
- Underpaid your claim based on invalid or extra-contractual reasoning; or,
- Otherwise violated your rights under ERISA.
A long-term disability can also help you appeal a denial. To learn more about appeals, read our article Should I Handle My Own Appeal?
What to Do After a Northwestern Mutual Long-Term Disability Denial
If your claim has been denied or you’re getting the sense that Northwestern Mutual is stalling, Robinson & Warncke can help. We have successfully protected our clients against aggressive surveillance tactics and biased medical exams. Contact us today to learn more.