Mutual of Omaha Disability Insurance Reviews

I called the agent and he said the checks were sent to my old address. I told the agent seriously, I told the agent, "I literialy verified with you over the phone that you were sending it to my new address." 3 days later a check shows up. I deposited it into my account and lo and behold the check bounces. 5 days later I get a check. This one clears. A couple days after that another check. I called the agent and gave him the check number and he said, "Don't deposited that one. We canceled it on our end cause it has your old address." To sum it up in 7 weeks I have received 2 checks and I can't pay my bills. This is the absolute worst experience of my life. Absolutely pathetic.

I left a detailed message for her to return my call once back in the office! By the time she actually returned my call... I was 3 weeks POST Surgery… and no money had been deposited or released by Mutual of Omaha! My bills are starting to accumulate and I’m starting to get nervous! I finally get my caseworker to release the funds owed and she ALMOST gets caught back up… before she decides to take another short vacation again… with Payments Pending… I’m once again at her mercy to pay my rent on time.

Needless to say… while waiting for my caseworker to return from her sabbatical… I received TWO eviction notices!!! Thankfully a friend loaned me the funds so I could at least stay for another month! Meanwhile it’s like they have unlimited vacation time and nobody matters!!! This went on for the ENTIRE experience with them!!!

In fact, I am STILL WAITING for my payments for the ENTIRE month of DECEMBER!!! I’ve just been contacted by my caseworker who… now says that there was a bank error! Funny, I checked with my bank... they don’t have any records of ANYTHING attempting to be deposited!! So... the wait continues... since now it... (according to her) has to be resent! It’s direct deposited.. it doesn’t take 2 weeks to go through!!! Absolutely the WORST experience I’ve ever had!!! I’m not joking… People with this much unprofessionalism or care should NOT be in a position where money is drastically needed while trying to recover from major surgery!!!

I original filled for STD and was quickly approved, However I had to constantly provide MOO with medical forms and reevaluations of my chronic systemic condition. I had to chase down my specialists which were not available and often had my payments withheld until I could provide said forms. Which would routinely put me through financial distress as they were the only source of income I relied on while on medical leave. After having to repeatedly explain myself to multiple reps regarding the stagnant nature of my condition, I was then reassured that I qualified for LTD.

I filled the paperwork and was approved since my condition hadn't improved. The initial relief was being assured that so long as I remained disabled I would be covered by the LTD policy. I informed MOO that my condition was stagnant at the moment and the treatments could take years to show any sign of improvement, So this was a lengthy process. Not to mention a life altering disease! To make matters worse most of the medicine and treatments I was prescribed my body would reject or cause flare ups and terrible side effects, for instance calcium forming in my retinas from one of the steroids I had to take daily. Causing me to slowly lose vision in my eyes after a year of daily ingestion, I had to stop that medication immediately once I saw an eye doctor.

Despite relaying this info to MOO I was told I still needed to fill out these eval forms every 2 months in their hopes my condition would magically disappear and I could return to work. I found myself in a constant state of stress because of these forms. Which of course exasperated my symptoms. Anytime I would speak to a rep which were often unavailable, very rude, condescending, and callous at times, It felt like I would have to defend my condition to them almost every time which was very taxing considering the amount of money I was receiving from them. I was making 2-3 times the amount they were providing me through my own merits before being diagnosed.

If I could move my body believe me ide be out making money not stuck in bed or being bound to my home. I had a very good job which I enjoyed doing and the pay was excellent. I started seeing a Psychologist due to my depressing new set of circumstances. I went from being in a wheelchair to gradually being able to stand again and walk around through intense weekly PT, and severe pain medication. MOO immediately displayed this eagerness to dismiss my case. "So you're all better now right?" Ridiculous. Just goes to show how little they care about people with chronic illnesses they know little to nothing about.

My own specialist is scratching her head due to my condition. I've been undergoing different treatments /medications for 2 years now with no avail. My wife still helps me dress and bathe to this day. I still have days I am unable to move around much and am still very limited. Now MOO is telling me that my benefits are expiring after they promised that so long as I remained disabled I would received my benefits. It's downright infuriating. They force you to apply to Social Security after a year, I knew beforehand that I am too young and no longer wheelchair bound to qualify under the very strict parameters of SSD. They told me I needed to apply anyway or I wouldn't qualify for my own benefits I was already receiving. What??

After going through the painstaking process only to be denied as expected. MOO suddenly tells me my benefits are ending. Since SSD denied me. What was promised to be a long term policy suddenly ends as soon as you get denied from SS?? They're telling me it's in the policy, that it may have been confusion on my end. Unbelievable. They're telling me well now you need to find any job, not even taking into account my evident limitations not to mention my years of schooling and expertise in my previous occupation. I remember reading the policy which specifically said so long as your disability impairs you from performing your original occupation. Not any occupation.

I feel so done with these shenanigans. Be careful of this company. They do not care for their chronically disabled customers. They are actively looking for any reason to close your case and will make you feel guilty for even receiving your own benefits which you paid for. They will make false claims and then redact them.

I called the MOO 800 line immediately after to inquire if any additional action was required on my part and was told that because the final distribution would come from CA disability, I would be able to call them and give my SSN to inquire about payment status but that no additional action was required. Due to long wait times for state disability inquiries, I wanted to be respectful and wait the 10 business days for payment to not flood the lines. I called today 5/16/24 and discovered they had no record of any claim applicable for me.

I called back the MOO 800 number and that is when they told me I would need to apply for CA disability on my own to see any funds. At no point in time during any of the communication in this process, not by email, phone or letter, was I instructed to apply directly with CA disability in order to receive payment. I have been in executive level management for years, and I expect the experts my company entrusts with these processes to provide accurate information and instruction.

I am now 7 weeks into my recovery time and only just now being informed of this additional step. I am fortunately financially comfortable to withstand a period of time without income, however, my concern is what my staff would have experienced had they been instructed to follow the same protocols just to find out that the expert our company employs failed on so many levels from providing the proper information required to ensure they were financially sound during a difficult time like a surgery recovery. The level of incompetence across the board from lack of information to downright incorrect information in all communication provided in this process is outrageous and needs serious attention.

Next day after pissing all over myself I called er. They admitted me with lower paralysis and unknown cause. After 2 weeks and several tests they never said what I had and sent me out. 2 days later I was admitted to Daytona Halifax with same symptoms. Went through everything all over again with promises of getting better. Well I was sent out over an address issue 2 weeks later still not saying what I had. Finally I read my paper work, Guillain-Barre syndrome.

I saw a general practice dr. She sent in forms. Because she did not put the date of Jan 7th 2023 on it I was denied. Now I'm paralyzed, 3 hospital stays, treated like crap by Drs and Mutual of Omaha and asked to send in everything proving I sought treatment. Instead of focusing on getting better. I'm single, 47 and family is passed. I paid for short term to protect myself. Then I had to wait 3 months while living in my truck for neurologist appointment. So July 31st I bring my paperwork and as of the 28th dr has not sent in form however it's been sent in 2 times.

Now I've lost my credit score, all credit cards, no income since January and I have a group policy. Today topped off my bull-hit meter. Not only can not walk properly I found out I had Lyme disease mono and 3 spots on brain. Plus bank picked up truck in the middle of Florida calling people to evacuate. Now I have no transportation, No money, No hope. But I said to myself 4 years ago I'm gonna get short term disability to protect myself since I'm on my own. A lot of good that did me. I'm devastated. My prized possession was my Ford truck and now she's gone. But I bought payroll insurance just in case something happened to me. If you plan on helping me there is no time better than now. Cause I have nothing left even though I thought I protected myself.