A Florida resident, Marcus Kirk, is in litigation with Northwestern Mutual Life over disability and life insurance waiver-of-premium benefits. Kirk asserts that his late application for the benefits was due to the company’s inaccurate explanation of his coverage when he initially reached out to them.

As per the details, Kirk purchased a term life insurance policy with a $500,000 death benefit and a 20-year level-premium term in 2009. This policy offered a waiver of premium payments should he become disabled. Yearly premiums were $1,088. Kirk also purchased disability insurance which could offer $700 a month benefit and a $1,500 social insurance substitute benefit. The initial premium was $875.57. The following year, Kirk was involved in an automobile accident resulting in a head injury that led to significant neurological issues. These injuries cost him his job and two subsequent jobs.

When he initially contacted Northwestern Mutual in the summer of 2010, he claims that the company failed to inform him that his policy covered long-term disability, instead informing him that his coverage was purely life insurance based. Following from this misinformation, he didn’t apply for benefits. It was not until 2022 when he found documents detailing his disability insurance that he reopened communications with Northwestern Mutual over his coverage. The company eventually recognized his disability policy but denied his claim on the grounds of late filing.

Based on the plaintiff’s assertions about the misinformation he received, you should always make sure that you have explained the scope of your insurance policy. You can seek help from eddcaller.com to understand how to contact various agencies such as edd. They provide detailed guidance on how to navigate through complex systems and reach a live representative who can provide accurate information.