Mutual of Omaha Health Insurance

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bill of dallas, TX September 18, 2009

I have been denied a short-term disability claim. I appealed. As the end of the nine week appeal period approached, I received form letter stating they were entitled to another nine weeks (45 business days). Do not be deceived. This is a rouge company. One thing we can all do is complain to the Nebraska BBB where they enjoy an A+ rating. If enough of us will do this (easily online) we can move that dial. As a wage and commission earner out for almost two months, I had had serious financial consequences.

Torben of Holmes, NY June 25, 2009

Became very ill 14 months ago. Was sent to all the wrong doctors. Finally was diagnosed with Lyme Disease & Babesia, under treatment slow progress, have three MD's saying this is lyme disease with immune response, IG bloodwork abnormal - IVIG replacement therapy recommended. Filed LTD with Mutual of Omaha Jan 8/09 - still awaiting answer but am told by Frank Mac that it will probably be a denial.

No income all year, losing house, cannot pay medical expenses.

Joe of Naples, FL October 24, 2008

I have long and short term disability insurance, in July of 2008 my hip collapsed, causing me to have and immeditate surgury. With this surgury several things had gone wrong, two hip dislocations and two additional surgurys and two very serious blood clots. Full intentions were to go back to work with in six weeks of the surgury. The company that I work for was sold last year to another company, when the new company came in, insurance providers were changed.

I previously had short term disability with AFLAC, but this was not a policy that the new company offered, if we wanted disability insurance we had to go with Mutal of omaha. It took 68 days for them to finally pay short term disability, I received checks for six weeks and now the policy is going into long term. Now after another 35 days with out income, they are denying my claim for long term, stating they need to go back further into my records. I have gotten them every record they have ever requested.

Had it not been for the displacements of my hip and the two blood clots and the last surgury in September, I would be back to work now. They are saying because I didn't have a long term policy two years ago, I do not qualify. Every time I call they say they need to review it. I have talked to so many people, every day it is in another review board. They have every one of my medical records. It is very frustating. The doctor will not release me for another seven weeks.

I have lost sleep night after night, I can not afford to make my house payment at this point and because of all of my hospital stays the bills are stacking up. I am weak and not able to really recover because I am too worried about money. I sell cars for a living with a dislocated hip it is really hard to get in and out of car to show a vehicle.

Rita of St. Thomas, OTHER June 5, 2005

Mutual Of Omaha cancelled an individual major medical policy block in 2002 after paying in since 1986. They sent letters apologizing for their decision noting that they were aware that the clients would not get other coverage due to their health status. However at the time of cancellation they were STILL writing another individual health policy, My research of the HIPPA Section 2742 pgs. 48-49, Subsection (C) REQUIREMENTS FOR UNIFORM TERMINATION OF COVERAGE section B (the insurer offers to each individual)on reveal that by law they would have had to offer this policy to its insured. THEY DID NOT.

When I called Robert Mancuso, First VP Policy Client Services he made it abundantly clear that he could not help and directed me to our Insurance and Banking Department. They said I would have to go to the 'market' to replace the insurance. Since then I have been unable to obtain coverage that does not impose pre-existing conditions. I have letters written by the Government of Vigin Islands to a Mr. Carmody for names of clients that were left without coverage. They simply did not answer in direct violation of the requests.

Michael of Cato, NY October 2, 2003

I am a self employed carpenter,and have had a health and accident policy with Mutual of Omaha for many years. After marrying, my wife and I decide to combine our policies in July. of 2000. At that time we bought and continue to pay for a policy that was supposed to provide us with equal coverage.

In March of 2003 I fell while working on a job and fractured my right collar bone. I was out of work for aprox. 6 weeks. While the insurance provided most of the coverage for the medical bills,I was told that the policy did not cover me for disability, only my wife. Upon reviewing the policy I found a copy of the document that I signed and dated entitling me to disability coverage of about 125 dollars per week. I forwarded these copies to my agent who then informed me that, yes, I would recieve my disability for the six weeks that I was out of work. I was instructed to make copies and mail them along with some other info. to the main office in Omaha.

This was done in a timely fashion but I recieced no check. I have called the main office a number of times since then and after explaining the entire scenario time and again,I am always assured that the person I talk to will get with thier supervisor and then get back to me. It's been six months and no one has gotten back to me or sent the check. So I'm registering this complaint out of frustration. I beleive I'm being put off in the hope that I will just get tired and give up trying to get the money that is owed tome.

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