Mutual of Omaha Long Term Care Insurance

We are at the end of our rope with Mutual of Omaha Long Term Care. This includes the representative that continued to take the money. SHAME on you for the multiple denials & stringing us along with going back to the doctors 3 different times that have already provided the diagnoses! You are causing undue stress to a person who recently lost her husband of 60 years. He felt confident that he had plans in place if something happened. He believed the representative who rented a cruise boat to treat their clients & recruit new people. He has done nothing to help in this very serious situation. We may need to move our loved one in a facility that she has now adjusted to! All the while the representative assured us that she qualifies. This is the first step, next step we are contacting the attorney general.

I have been in healthcare 30+ yrs and have dealt with insurance companies. My wife was diagnosed with stage 4 brain cancer and is now progressively disabled. Most communication from the company is delayed by 2 weeks, including the initial paperwork. Every week I get written requests for more documents which have already been submitted. 6 weeks from my first phone call there is still no word on the claim (which given the diagnosis, is unambiguous and essentially every ADL is affected). We're out of pocket thousands because of this delay...nevermind how long it may take to actually get paid.

My mother was diagnosed with dementia several years ago, and her doctor asked that she be moved into assisted living; a visiting nurse deemed her living situation unsafe, as she was hoarding and completely mismanaging her medications. She had invested in long term care insurance for decades--which her doctor and her community told me should cover her care--but Mutual has denied claims several times. Most recently, they failed to respond to an appeal that's three months old. It is obvious that Mutual of Omaha is not a company dedicated to the common good or the wellbeing of its customers, but an enterprise that greedily profits off the vulnerability of those who cannot care for themselves. Stay away. Stay far, far away.

I am effectively required to have LTC insurance (I'm in my 30's) in Washington State due to the income tax that was passed. I worked with a broker and had to fill out a bunch of paper forms, and eventually got coverage through Mutual of Omaha a year ago. I wish I had gone with another insurer. Mutual of Omaha is all paper. Like send-paper-through-the-mail level of technological sophistication and security. For example, it's 2022 and to pay my annual premium (over $1,000), I have to contact my bank to have them mail a check (technology from the 1700's) to a Mutual of Omaha PO Box. Completely unacceptable. I'm going to be looking around for another insurer that is aware that it's no longer the 1700's.

I've been trying to collect on my Mom's policy for months. Every week to month it's a new item they need. I've submitted countless pages of records. She's in assisted living, and I've been paying her rent out of my retirement, assuming Mutual of Omaha would kick in. I finally had to take out a loan this month to continue paying the rent. I'm financially and mentally drained. My Mom qualifies, as she tested for Major Dementia. Of course, the company continues to withdraw a nice amount of money for her policy every month.

My father paid on his LTC for 20 years. In the summer of 2020, my father, who’s was 85, started showing signs of dementia. The most alarming was when he confused 12 am with 12 pm and drove off for a dentist appointment in the middle of the night. Luckily he was able to remember my brother's phone number and a nice lady, at a convenience store called for him and he got home safely. My dad was fiercely independent but after that I would casually try to go thru his mail.

Several months ago my mother was injured. Since the start of her claim she has been mistreated and has been given the runaround. To date this adjuster has been given everything she has asked for by both my mother and her physician but continues to ask for more. I understand that there is necessary documents needed to process a claim but now this is to a point of harassment. On a number of times my parents have asked to speak to her supervisor but she refuses to accommodate them. My parents have paid their premiums without delay and now that they are in need of help for a policy in which they should be fully covered they are getting mistreated in this matter. Both my parents recommended this company to the community and now that they are being treated this way they are retracting their recommendations to their friends and telling them to go elsewhere for their insurance needs.

Customer service cordial and helpful. All good But then...you want to start claim process, request help reviewing what you are entitled to or get a response regarding Our benefits for durable equipments, home modifications and help in the home. Claims specialists have lack of knowledge, lack of empathy, lack of follow through. My husband has ALS. We spend so much time following up with them. They don’t return calls, drag their feet with answers and require unbelievable paperwork in our end.

My mother has a long term care policy that is supposed to cover assisted living expenses. I applied for her assisted living coverage in February 2020, and still no word on whether it is covered or not. I have called weekly for the past three weeks asking for the claims agent to call me back with an update. As of today, June 29th, I have yet to receive any kind of follow-up communication from the company. If you are shopping for LTC insurance, look elsewhere!

We paid $201 premium for almost 3 years. Unfortunately, my husband got cancer, had tumor and some large and small intestines removed. He was very sick with chronic diarrhea, weakness, bloating, dizziness, headaches, incontinence, weight loss, leaking 9 inch incision. He required home care for 90 days. Help with bathing, dressing, movement, incontinence. He got out of hospital 3/15/20. I called Mutual of Omaha Claims the next day but didnt receive claims package for 2 weeks! They received our claim on 4/2/20, after many phone calls for information, we were denied our claim 6/24/20 based on comment of Primary Caregiver, not treating his cancer, but used to get referrals to cancer doctors treating my husband. I called many times to get information, was passed from customer service, to care coordinator, to cash benefit claim specialist with little information.