Kaplan V. Northwestern Mutual Life Insurance Company

Jerrold Kaplan has been disabled by obsessive compulsive disorder (OCD) since 1989, but did not file a claim under his disability insurance policies until he was actually diagnosed in 1994. In his claim, Kaplan requested disability benefits starting from 1989, but Northwestern Mutual Life Insurance Company declined Kaplan's claim based upon failure to give notice and proof of claim "as soon as reasonably possible," as required by the insurance policies in question.