Mutual of Omaha Long Term Care Insurance

Mutual of Omaha Long Term Care Insurance

 3.9/5 (429 ratings)
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About Mutual of Omaha Long Term Care Insurance

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: June 7, 2022

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.

Mutual of Omaha Long Term Care Insurance response

Hi, R. Thank you for taking the time to provide a review. We are sorry to hear that you have been unable to make a payment using your preferred way. It appears we have not done well communicating another option available to you as we do allow you to pay monthly with Auto-Bill. If interested in setting up Auto-Bill, our Customer Care team is available by calling 1-800-775-6000 Monday through Thursday, 7 a.m. to 5:30 p.m. and Fridays, 7 a.m. to 5 p.m. to help.

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Rated with 2 stars
Verified Reviewer
Original review: April 6, 2022

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.

Mutual of Omaha Long Term Care Insurance response

Hi, Lisa. Thanks for taking the time to provide a review. We’d like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

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    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 20, 2022

    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.

    On October 21 , 2020 I saw the MOA LTC policy and written across it was “called and cancelled on 8/20/2020”. Immediately I called to have the policy reinstated. I can’t even tell you the runaround this company gave me, from saying “there’s no policy with that number” or connecting me with numerous people none of which would give me their name so I could directly deal with them. I reached one fellow and he informed me that I could reinstate the policy since it was within the 90 grace period and that they would send a bill. Instead I received a letter staying, “since your father actually called and canceled the policy and it wasn’t a lapse in the policy, we can’t reinstate it”.

    After I told a supervisor named Anne about my father's recent confusion, she said “just provide a doctor's statement“. I provided that and then I received a letter stating that I needed 2 years worth of medical records. I called and explained that this just starting happening with my father. They also stated that I would need medical documentation confirming his dementia before my dad cancelled policy. Anybody knows that dementia starts on slowly with just a few warning signs. So in conclusion, this company was able to take money from a hard working old man for 20 years and give him nothing in return. I would never use this company for any type of insurance after this experience.

    Mutual of Omaha Long Term Care Insurance response

    Hi, Beth. Thank you for taking the time to provide a review. We take your concerns seriously and would like to look into this further. Please email your father's name, birthdate, your contact information and the best time to reach you to customercare@mutualofomaha.com, and one of our customer care associates will be in touch.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 14, 2021

    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.

    Mutual of Omaha Long Term Care Insurance response

    Hi, Joseph. Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 1, 2020

    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.

    At a time in life that you are at your lowest point Mutual of Omaha stone walls the Process. Opened claim in March 2020. July 1.... still no approval on ramp, life line, raised toilet or stair glide. All imperative for my husband’s safety. Please please stay clear of Mutual of Omaha. Paid 3000.00 a year for the past 12 years and this is how we are treated. Shame on you Mutual of Omaha.

    Mutual of Omaha Long Term Care Insurance response

    Hi, Tina. Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

    21 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 29, 2020

    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!

    Mutual of Omaha Long Term Care Insurance response

    Hi, Mark. Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

    20 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 25, 2020

    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.

    Even had care coordinator and care specialist both tell me to contact the other for information on my claim. During denial the phone call, I was told that medical records indicated my husband was "tolerating chemotherapy well" which was a shock because he NEVER had chemotherapy! He starts radiation in about 2 weeks which they didn't know yet. If he can't get approved for 90 day home care, I doubt anybody with this plan can. Don't waste your money in this so called insurance policy. It's a money maker for Mutual of Omaha, not peace of mind for policy holders. Tip: Make SURE your doctor documents in the medical records ALL applicable Activities of Daily Living located on page 1 of your policy. I feel like these claims people are looking for their buzz words and not using common sense to evaluate patients that are suffering through a horrible illness during this pandemic. God Bless to you and your ill loved ones...

    Mutual of Omaha Long Term Care Insurance response

    Hi, Yolanda. Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

    21 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 22, 2019

    Do not waste your time with this insurance. Every time I call to speak with a Claims Coordinator, the wait time is at least an hour. They are VERY slow to pay and say that it takes a 20 day processing time to cut a check once they receive all the information they need for that month "because they are short staffed". So the customer suffers because of their bad management or lack of knowledge on Customer Service. Again, do not waste your time with this company as you will be wasting A LOT more of your time on the phone trying to get assistance AND don't expect prompt payments!! So disappointed for my elderly parents having to go thru this.

    Mutual of Omaha Long Term Care Insurance response

    Hi, Beth. Thank you for taking the time to provide a review. We'd like to look into this further. Please email your name, phone number and the best time to reach you. We look forward to speaking with you.

    37 people found this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: April 14, 2019

    We were able to collect benefits for Dad while he could remain at home receiving needed assistance. It was paperwork intensive, but we were paid. He's passed. Now 88 year old Mom makes a claim for benefits at an Assisted Living Facility where she receives the same services Dad was getting at home, DENIED. Assisted Living Facilities didn't exist 30 years ago when the policies were purchased, and there's no more more cost involved at an Assisted Living Facility than a Nursing Care Facility. The same daily limits apply, neither covers all costs. The denial is arbitrary. Should we stop paying premiums now since Mutual of Omaha has found a loophole? Very disappointing. I feel the worst for those elderly that have no advocates! Thank You.

    52 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 6, 2019

    My parents purchased a long term care policy from Mutual of Omaha years and years ago. Mom passed away and never had a chance to use the benefits. Dad went into assisted living and knowing that they pay in arrears, I had prepared myself for that. So, here we are in February, 2019 and they have not paid the claim for DECEMBER. It has been consistently like this every month and I wear myself out calling them. They even go as far as to say they have the claim, but it is in "review". Every. Month. What a joke. If you want to be on the phone continually, I suppose the policy would be worth it, but I would never recommend them to anyone.

    Mutual of Omaha Long Term Care Insurance response

    Hi, Al. Thank you for taking the time to provide a review. We take your concerns seriously and would like to get some more information so we can look into this further. Please email your name, phone number and the best time to reach you and one of our customer care associates will be in touch.

    43 people found this review helpful
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    Mutual of Omaha Long Term Care Insurance author review by Matthew Brodsky

    Mutual of Omaha offers customizable insurance products, including life, long-term care, disability and Medicare supplements.

    • Quick access to benefits: Mutual of Omaha counts calendar days instead of service days during the elimination period.

    • Flexible insurance plans: Standard benefits include a waiver of premium and care coordination coverage. Choose from a variety of long-term care insurance plans with optional benefits like inflation protection and cash alternative payout. Individuals can buy coverage through their employer at a discounted rate.

    • In-home care options: Mutual of Omaha helps seniors and those needing long-term care needs maintain as much independence as possible by including in-home care and assisted living options

    • Additional products and services: Disability and accident insurance plans can help insure policyholders who are injured or disabled receive income during a long recovery period. Get insured against critical illness, cancer, heart attack and stroke. Mutual of Omaha also handles banking needs, life insurance, annuities and other financial planning.

    by Matthew Brodsky Insurance Advisor

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

    Mutual of Omaha Long Term Care Insurance Company Information

    Company Name:
    Mutual of Omaha Long Term Care Insurance
    Year Founded:
    1909
    Address:
    Mutual of Omaha Insurance Company Mutual of Omaha Plaza
    City:
    Omaha
    State/Province:
    NE
    Postal Code:
    68175
    Country:
    United States
    Website:
    www.mutualofomaha.com