Mutual of Omaha Long Term Care Insurance Reviews

Horrible customer service. I phoned to have someone walk me through my policy to clarify and answer questions. A woman named Melody made up answers that were totally inaccurate. I don't know if she was just being disrespectful and wanted to get rid of me or if she felt no shame in lying. I had a feeling that she gave me false information, so I called back. I spoke to a woman named Cassandra. She assured me that she would have a manager call me back. I never heard back from a manager. I just phoned again, and the woman I'm speaking with said that there was never a request put in for a manager to phone me. Disgraceful service! If I could do it over, I would definitely NOT use Mutual of Omaha Long Term Care insurance.

I am so frustrated. My mom has been paying her premiums for her long term care insurance now for many years. She now has Alzheimers and has an in home caregiver to help with her ADL's. We submitted a claim a year ago but had a lot of hoops to jump through. We paid to get her caregiver certified as a CNA so she would qualify as her independent provider and paid for the training. She got her certification last Nov. We submitted all of the required records and paperwork. We submitted all of the caregiver's time sheets since her certification. I got someone on the phone about a month ago who couldn't understand why the claim isn't being paid. They told me someone would call me back.

We called Mutual of Omaha twice within an hour and ask them about our benefits with our long-term Healthcare policy got interest twice within 1 hour. We then called and stated that we were told differently under a recorded conversation and they made it to us that they have made errors with two consecutive phone calls. It was an error of $80,000 with the shared spousal benefit and we are now debating whether to continue our policy with them. Buyers beware.

My mother has been paying into her policy for about 10 years. Due to multitude of physical and mental decline, she is unable to care for herself. We applied for a claim over 6 months ago and it is still in "review". My parents have been paying out of pocket for 9 months for home care. We knew there was a 90 day waiting period, but we surpassed that 90 days 6 months ago!

Buyer beware!! Read carefully the 1 star reviews on this forum. My wife who just completed her 2nd round of chemo was (we thought) a candidate for a claim after paying nearly $40000 over the course of 16 years. When we tried to initiate a claim we were challenged with a list of "qualifiers" longer than constitution and the bill of rights. After laboriously wading through the multitude of questions, we proceeded to the medical professional verifications that required all releases of all medical records for the previous 2 years. The company also needed physician statements justifying the need for the claim. I understand these needs.

They do not pay claim. My mom is terminally ill in critical condition. They require her signature to get medical records for a long term care claim, even though the doctors provided Certificate of Terminal illness. Also the hospital said they would release records to the insurance company. They have delayed intentionally for over 3 months while my mom needs hospice care. It is obvious that Mutual of Omaha is delaying so that my mom will die before they have to pay the claim. She paid premiums of $500 a month for about 10 years. They funnel customer care and claims through one phone number, and they clearly train their representatives to give the runaround. It is intentional, and this insurance is no good.

My wife needed 24 hour care for a week in July. I called and turned in a claim on her long term care insurance. Four months later I was finally contacted by Teresa **, a manager, that Jan did not qualify due to the length of the need. If anyone of the agents had told me that in the four month our doctors, home health care professionals and myself would not have spent hours on this. Just horrible communication from Mutual of Omaha. Never returned phone calls, would not or could not explain policy. Just very poor customer service.

I am currently enrolled with MoO LTC but have not used it yet so can't speak to that. What I have used is their online portal and payments system. I can confirm, as another reviewer says, that these are from the last century. They use snail mail to communicate not email, or you have to call on telephone. It takes 10 days to process changes on the portal, and then these are notified by snailmail! These reviews scare me. But with the investment already made in their LTC, it is not possible to change unless anyone can suggest how to do this?

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.