Long-Term Care Insurance FAQ's

Answers to Common Billing Questions

Below are a few of the common billing questions typically received from policyowners.

: We will send you an Urgent Notice if we don't receive a check from you within 10 days of the due date.
If you have mailed your premium, don't panic. Your payment and the Urgent Notice may have crossed paths in the mail.
If you have not paid your premium, do so as soon as possible to maintain your coverage.
: The amount of your bill may change because:
Your benefits have increased to keep pace with inflation.
One or more policies have been added to or deleted from your bill.
The annual premium on your term life insurance policy has increased.
Changes have been made to the amount or use of your dividends.
Changes have been made to your policy.

Make Premium Payments

Paying premiums keeps your long-term care policy in force and ensures that you will continue to receive the protection and peace of mind you planned.

Ways to Pay Your Premiums

Northwestern Mutual, acting as a service provider for Northwestern Long Term Care Insurance Company, offers three ways to pay your long-term care premiums.

Automatic withdrawal or Electronic Funds Transfer (EFT)

Automatic withdrawal is the quickest, most convenient way to pay your premiums.

Select a savings or checking account.
Log on to "Access Your Accounts", select "Billing Account," and complete the Automatic EFT Payments Form.
Mail the form to Northwestern Mutual Home Office, P.O. Box 2956, Milwaukee, WI 53201-9820

Direct Billing

Northwestern Mutual sends you a billing notice in the mail. If you have several policies with Northwestern Mutual, you can have them placed on one bill using a Billing/Payment Account Plus.

Note: A separate Billing/Payment Account is required for variable products and annuity products.

Electronic Payment Services

Not to be confused with EFT, these refer to outside electronic bill payment services such as MSMoney, Quicken or your bank. Northwestern Mutual still bills you directly, but you instruct the outside service to pay the bill. An electronic payment service arrangement is an agreement between you and the provider of the service. You are responsible for coordinating the payment amount, date and payee with the service.

Tip: When paying through an electronic payment service, use your Billing/Payment Account or policy number. If the service does not ask you to enter your first and last name separately, enter your last name first.

When You Don't Pay Your Premiums:

If your premium payments are not automatically withdrawn from your bank account, Northwestern Mutual should receive payment by the due date on your bill. If your policy lapses due to nonpayment, you have up to one year from the date to which premiums were paid to reinstate the policy.

Changing Bank Names/Payment Date

To change the date the premium is automatically withdrawn from your bank, or to let us know you have changed banks:

Contact your Northwestern Mutual representative
Northwestern Mutual directly at 1-800-388-8123, 7am–6pm CT, Monday – Friday
Log on to "Access Your Accounts", select "Billing Account," and complete the Automatic EFT Payments Form.

To change the payment date, you will need to provide:

Your name
Your Billing/Payment Account number
Your bank account number
The current date of your automatic withdrawal
The new date of your automatic withdrawal

To change the bank where payments are withdrawn:

Your name
Your Billing/Payment Account number
Your bank transit/routing number
Your new bank account number
The name of your new bank

Receive One Bill For Multiple Policies

If you have several policies with Northwestern Mutual, you can save time and energy by opening a Billing/Payment Account.

With an Billing/Payment Account you can:

Consolidate premiums from two or more insurance policies. Payments for up to 15 policies can be combined on one bill.
Make regular installment payments on loans or policies.
Pay premiums by automatic withdrawal (Electronic Funds Transfer) from your bank account.
Pay premiums on a convenient schedule, monthly (only available with Electronic Funds Transfer), quarterly, every six months, or once a year.
Earn interest on any additional funds that accumulate in your Insurance Service Account.* (Billing/Payment Account Plus only)

Note: A separate account is required for variable products and annuity products.

*A variable Insurance Service Account cannot accumulate surplus and therefore cannot earn interest.

To sign up for an Billing/Payment Account Plus:

Call your Northwestern Mutual representative

Contact Northwestern Mutual directly:

Telephone: 1-800-388-8123 7am–6pm CT, Monday – Friday
Fax: 1-414-665-4268

Submit a Claim

If you're asking yourself questions like:

How do I begin the claim process?
Does this health care expense apply toward the policy?
Am I (or the person I represent) eligible to receive benefits on the policy?
Am I eligible for respite care service?

To inform Northwestern Mutual of a Long-Term Care claim, please complete this form or contact the Northwestern Long-Term Care Claims Administration Office at 1-800-748-9493. Our staff will answer your questions and assist you with all aspects of claims management.

Northwestern Mutual