Mutual of Omaha Disability Insurance

I am not then or now able to work. I applied for my short term benefits and was asked for additional office visit notes etc., and this has gone on and on since August without a payment. Not a dime since August. The nurse review was not conclusive and then they forwarded my case to a MD review who stated I was able to do my job even with the 3 cervical herniated discs in my neck. 1 thoracic herniation and 4 lumbar herniated discs with extrusion and nerve impingement on the sciatic nerve affecting both legs and numbness in right foot. I walk with a limp and cane. I am not able to work due to constant pain and depression due to pain. Now add lack of money to equation and I am overwhelmed and no one at Mutual gives a crap.

My claim rep was uncaring and dismissed my every call. I was told by her and a supervisor they were doing all they could but I find that SO hard to believe because my case was in limbo for 4 months and I have exhausted all my savings. I am now facing foreclosure and have been dropped from my car insurance for lack of payment. All because Mutual of Omaha won't pay the claim and they refused to help me.

I have paid into the short and long term disability plans at work for months and now that I need the benefits Mutual won't pay and that is NOT RIGHT! I NEED MY PAYCHECK AND THEY SHOULD BE HELD RESPONSIBLE. Mutual of Omaha is the worst. I was told my 3 Dr's were not cooperating with the reviews, but all 3 stated they were never contacted. My reviews were not performed in a timely manor and I was not given the benefits I need and now I am financially in ruins and still in tons of pain. I hope my attorney will get me the closure I need.

Original review: Filed a claim with a job after being in the hospital for almost a month (still in hospital). They first said payment would be paid out 14 days after start date, but that was a lie. They claimed my HR department needed to send papers and my HR person said they would resend them. Claim rep assigned to my case talked to me and didn't tell me she would be out of the office on vacation for a week. When I called back the next day, she was gone and the lies continued. One rep said it's still being processed and any rep can finish the claim with the other rep out. Another said they're missing paperwork from my employer. Another said they set up a review 2 weeks down the road but they needed the additional paperwork.

My HR department called and they told them they had all the paperwork they needed! Called them again and they claimed stuff was missing and my HR called on my other line and so they heard them lying and went off. The rep said only the main rep could look into it and he couldn't dial an outside number to reach back out to my HR. He wouldn't give his extension and claimed paperwork was missing. They are lying and my husband was so fed up he called an attorney friend to seek legal action. I hope they get it right fast because hubby is working on filing violation of civil rights lawsuit (his background is Criminal Justice) and he's been looking up case law and stuff since.

I figure once the federal OCR reaches out to Omaha they'll get their stuff together. I just hate being lied to. Wish I didn't have to go through this, all from a hospital room. So yeah zero stars if I could. *It's sad that all the reviews say the same thing and Omaha has the same response, email us. Why!? When we can and get the run around, why would you want a paper trail of the same lies that you tell us on the phone? That's just solid evidence for anyone to take to court. Smh.

I filed all the paperwork with MOO. Unfortunately their offices are on the east coast & I live in California. It proved impossible for me to contact my claims representative because she was off at 3 p.m. EST which is 12:00 PST. I asked my benefits person at work to liaison. Next I received a letter of denial from MOO that was full of mistakes. 1st it read I wasnt employed during the time I was off, and others. I took time to call MOO on a day off. My rep was gone, so I spoke to someone else left to handle her calls.

As I clarified each reason for denial, she relayed "oh that was a typo." After 2 typos, I asked for a new letter, free of typos to be sent out. We continued discussing my claim, and she told me my claim was denied because I wasnt "globally impaired." And that I needed to file with workman's comp. I called a lawyer, who said my issue was stress related and not something claimable under workman's comp. I asked for an appeal. When I received the second letter, the reasons for denial were completely different. And included new typos. Additional doctor's appointments on my date of birth that I didnt have and supposed correspondence from Oct 2019, when it was only July 2019.

I sent an email saying I had contacted legal council, which conveniently generated a telephone call from a representative in California at 4:45 p.m. PST. During our conversation she asked about a past workman's comp claim, unrelated to this absence. She also spoke about my case not having evidence of "global impairment" and she stated I could have worked my job during the episode of my condition, because she had suffered a similar family crisis and she remained able to work, although my licensed medical physician apparently felt otherwise.

MOO also questioned my medical group and my physicians professional course of treatment. It was explained to me that the course of treatment, or rather the lack of pharmaceutical interventions & psychotherapy in my medical record further caused my denial. I told the rep, I am not a doctor. I dont know why or why not my doctor's course of action wasnt different. I also mentioned I don't think I could have had another item added to my plate during the time of my illness and that I don't like taking pills. My doctors course of action worked for me, without the need of medications & psych mumbo jumbo. She went on to tell me my doctor's course of treatment would have likely been supported through California Disability insurance. My guess is my doctor probably thought I had state disability, and not some other group insurance requiring piles of additional costly testing, therapeutical interventions and pharmaceuticals.

This telephone call continued. She also alluded to any claim I would have only been eligible for 30 days. Which I reiterated, "you mean I would only be eligible for the first 30 days, when I was off almost 2 months?" She told me I understood correctly. After review of my policy, there is a 30 eligibility requirement, meaning I had to be off 30 days before qualifying, conflicting with that telephone conversation.

As our call ended, I was told my claim would be reviewed by a independent 3 party, to which I asked (in writing) if there was a list I could choose from to make sure they were unbias. My request via email was declined. My last correspondence from MOO says this 3rd party reviewer has also denied my claim. And more typos. This DO reviewer used my physical exam on the last day of my time off. The day I returned to my doctor and was released! Of course my condition on that date wouldnt support my need to be off the prior 2 months. I was 110% better. And included a note of supposed correspondence from myself 11 days after the date of the letter I was reading..

I emailed the Rep in California, whom I had the telephone conversation with and asked her to specifically indicate the reason for my denial in my policy. She emailed me back and said, my denial falls under the general exclusions, item g) an occupational Sickness or Injury, unless You do not receive temporary workers’ compensation benefits;

I feel like I'm going around in circles here. Honesty, if I could have worked during this time I would have. I had almost perfect attendance at my job, including many additional non contracted hours that I've worked. I am stuck with this group policy because my work doesnt give me the option of paying into state disability insurance. As a citizen of California, Disability insurance is required for a reason, to protect Californian citizens. This company makes me feel like they think I took off this time for no reason but for the pure enjoyment of having the time off...

The Surgeon placed me out off due to my pain and difficulty walking. I have short and long term disability insurance thru my employer. I filed a claim, Doctor sent all paperwork and my employer filed their part. After 6 weeks I started becoming concerned as my bank account was almost drained. I spoke to a Mutual of Omaha representative several times and was told that they have everything and that it was being reviewed. After 2 more weeks, I returned to work against my doctor's and surgeon's advise because I started falling behind on my bills and was almost completely broke. Was told that I may receive benefits for the 6 weeks I was out of work, but it would need to be reviewed by a board. Well just got a call from Mutual of Omaha August 25th 2019 to say I am denied. It never fails.

I have numbness in my right leg and stiffness in both legs, that prevents me from driving. I can barely sleep at night because the pain is unbearable. I go to physical therapy and have been examined by an Orthopaedic Doctor, as well as a Pain Management Doctor. Both Doctors stated that I have bulging disc and stenosis. Nerves are being suppressed, which in turn, causes the pain, stiffness, numbness, etc. I was really distraught to say the least, that my claim was denied as I waited 4 long months suffering in pain and no income coming in.

They keep asking for more forms to be filled out by us and doctors. Then they turn down the claim because they don't consider her disease a disability. We appeal, they ask for more forms, then they turn it down again. I feel that all this stress has added to the length of my wife's disability. She starts showing signs of improvement, then relapses when they tell her they won't cover the disability. I have talked to a lawyer and he says there is definitely a case. In conclusion, find a different company for your insurance. Don't risk not being covered, when you need it.

Review department is in its third review. I've been off work and under a surgeon's care the whole time. I have exhausted savings paying for COBRA insurance and bills. It is now 2 months since release from workmans' comp. (7-26-19) with no end in sight. Karen ** my caseworker can only check and say it's still in review, her supervisor Eric ** didn't return my calls. I paid weekly for years to cover unforeseen circumstances like this and you've left us stranded. There's got to be a better way to verify and process claims on your part.

I got notice they were taking out $18 for cancer insurance which I declined. How often the withdrawal, I don't know. Now they are going to withdraw $59 for term life insurance. I had already canceled this company more than a month ago. See, abuse with autopay. I didnt ask for term life. I asked for the disability/ death benefits so if I die my home is paid. Now I have to waste another entire break at work calling these people to have that removed. She totally changed everything on the contract after leaving.