Mutual of Omaha Disability Insurance

I was told a check was mailed the last day of July. Today I waited patiently until mail was delivered. Of course there was not a check. Sadly I am considering bankruptcy filing as I cannot rely on MOO. My entire life is now based on cancelled plans and appointment as I cannot afford gas or groceries. Today I will have multiple checks bounce at $39.00 each. Thanks MOO. I did not seek to be disabled and I’m sorry that MOO views me as a loss to their bottom line. This is what I paid for. Now I have to spend my time filing a formal complaint with the insurance commissioner.

I put a claim in in May. It was accepted and I was told a payment was going out and I should have it by July 15th. On the 17th I received an email from Janisha ** saying "A payment was issued and your benefits are paid through 7-9-2018. No further info will be needed. I will add that you have returned to work as of this date." As of today 8-1-2018 I received no payment from Mutual of Omaha. Cancelling my insurance and put that money I was going to pay them in a savings account.

I bought a short term disability policy from agent Blaize in Raleigh, NC. I made sure he knew that I was buying with the intention of extending my family and would need assistance once out of work. I was assured that short term disability was almost always used for this and was successful in providing financial assistance for new families. I bought the policy and a couple months later was pregnant. I have had clean annual wellness checks for years and don't have any comorbidities. I struggled at the end of my pregnancy and was deemed high risk and had to be induced ahead of schedule. I filed my claim upon the birth of my child and he is almost two months old.

When I started having a problem with this company, I contacted Morgan and Morgan attorney's. They are very interested in a class action lawsuit, especially with all the horrible reviews. I held off because I received 2 checks. I am still out of work awaiting surgery and for the last 2 months, they have not paid me a dime. I'm super frustrated because I have a real injury and pay for this benefit for when I need it. This company is doing everything they can to not pay our benefits. I think it's time to recontact Morgan and Morgan. I will go to the Supreme Court, if I have to. This company is all about profit and not helping the people in need. Trust me, Mutual of Omaha, I will not stop until I get what belongs to me.

Husband is going through a STD claim from his employer, as he pays for this benefit. He was injured in an auto accident and has been told from his employer that he can't return until 100 percent clear and no restrictions. Husband is suffering with nerve issues within his spine and has a concussion. I am authorized on his account to speak on all claim related issues and personal questions on his account. I have spoken to many reps whom are great and assist me. However, Natunja, a claims officer spoke with my husband weeks ago and asked typical questions about what had happened.

Work at the same place 18 years paying for this insurance. Needed to use it. Filled in March of 2018, finally in July I got my denial letter. Sent them everything they asked for. Each time calling it's some other excuse. The doctors took me out of work and I'm denied like I done something wrong, these people are horrible to deal with. First off they were sending information to wrong area code, fax wise, then she tried to act like I was lying about a invoice to pay for medical records, so she called Amber at doctor's office. Amber told her, "I sent you the invoice with the other fax," all of a sudden they find it, wanna always make us out to be of fault when it's them.

This company is a scam, they make you jump through hoops for months on claims then after your finally get everything 100% complete and prove to them you're not going away they send you a check for 25.00. Yes I got some money from state but this is a supplement insurance so I'm not getting paid because I got money from the state. SCAAAMMMMM. Should be a negative star rating.

Seems they want you to jump thru hoops like a circus. All documents show that doctors have provided are short term disability. THEY said there is a 2 week discrepancy in them. I know I tried to work at least a couple days a week just to keep all up to par on bills but no they will not have that. I will seek a attorney if needed. I would much rather be at work. I can make twice the money compared to what the disability pays. I have been out of work over a month and get the runaround. I WILL NO LONGER JUMP THRU HOOPS NOR WILL I HAVE MY DOCTORS JUMP THRU THEM. All the paperwork that I have sent is all that will be sent.

Well we got the call today that my husband's short term disability is being denied. We expected this since we have read all of the reviews, what we didn't expect was the reason why. In April my husband had some eye problems with one eye, it became cloudy where he couldn't see. He mentioned this to his regular dr, who then sent him to an eye dr. The eye dr. saw something behind his eye and sent him for a CAT scan, which showed he had a blocked carotid artery in his neck. He had unexpectant emergency surgery on the artery in May, shortly after the CAT scan results. They said he was a walking time bomb for a massive stroke and needed the surgery immediately. The artery was one of the worse the vascular dr. had ever seen, ruptured, black and pus... In short they saved his life with this surgery. He was out of work for a total of about 7 weeks.

I’ve been off of work since May 13th with my illness. MOO had been fighting me every step of the way. MOO has been claiming that there isn’t enough paperwork. My PCP has sent paperwork as well as my psychologist. This is the eighth week off with no pay. I’ve spent my family's savings paying bills and now we are starting to borrow money from relatives. It’s not only embarrassing but a shame. Corporate America continues to take from the little man but not pay when the time is right. This is not helping my current situation at all. I talked with my Dr. today and he said it’s time to seek legal help. Calling an attorney is not the route I wanted to go but I have to now since MOO is turning push into shove...

I wish I could give a negative 5 stars. They have screwed me out of my last 4 short term disability checks. They will do their best to not pay you. I am currently in the process of getting an attorney to try and get my pay. I would STEER CLEAR of this company if I were you. They are con artists.

This has been the worst experience ever. It’s probably going to cause me bankruptcy. I fainted and got a concussion. I lost consciousness and 911 was called. I’ve been to 2 er’s And was sent home from work until I could get clearance. My neurologist would not clear me and I was sent to a neuropsycotherapist. After being off work 2.5 mo I finally got cleared for work. Mutual of Omaha is doing everything they can to not pay me. They are seeking all kinds of info on me that has nothing to do with my injury.

I went on disability insurance around Jan 1 2018. It took 9 weeks to get my first short-term disability check. They only send a check after repeated calling and asking about it. I have lupus and fibromyalgia and can't work. This company is awful about paying claims. It sure was taken out of my paycheck every week to pay premiums.

I started my STD claim 3 weeks ago and I had to call them to find out there was a problem with a form my doctor's office had sent in. IT WAS ONE OF THEIR OWN FORMS, how can it be inadequate? Now I have to wait at a minimum of two more weeks to see if anything happens, much less to start receiving benefits that I paid for. Oh they're professional enough on the phone, but that's all a smoke and mirrors act, and it's designed to make you wait longer. Eventually they hope you'll just give up and go away, just like every other insurance company. I'm tired of fighting an insurance company when I'm sick and I'm not seeing any benefit whatsoever.

I have short-term disability insurance with Mutual of Omaha. They discontinued my pay due to not receiving my medical records. I had Bell's Palsy and had trouble speaking for a while. I work in a call center. My doctor approved the time off. Documented all of the required paperwork and my claim was still denied. Fortunately, I found other means to pay my bills, thank God, but no thanks to the insurance company I've been paying. This company is a waste of time and my money. The policy will be canceled.

I have been covered by a group STD policy as a salaried executive. At the end of November last year I had a TIA and have had ongoing issues with my feet and legs with excessive edema. When I had the TIA, I was hospitalized for three days and used personal time, so I had no lost wages. I have worked since then because the other two executives were out of the country for the most part and my absence would cripple the company. My work was suffering because I couldn’t do it effectively so I began the process of looking at taking FMLA and applying for STD benefits. I missed work the second and third week of March because of my health and used personal time for one week and the company didn’t deduct for the other week.

You pay into this for months or even years only to find out when you need it you're denied. Looks like preexisting conditions are their go-to for everything. When asked what would happen if it was a matter of life or death? They pretty much told me it would be death. Looks like it's time for an attorney. I would not recommend this company to anyone.

My mom has this insurance and we file a claim. A short term disability because she had a total hysterectomy, but because of other issues she has the doctor give her 3 months of disability, we filed the FMLA and culinary claim. Everything was approved for the 3 months but Mutual of Omaha is asking for every doctor's visit papers because they only approve 1 month of disability, even though my mom was vomiting and bleeding after the surgery. Now she has a perforated ulcer. She was 2 times on ER and we send all the paperwork and CT scans and is not enough to extend her claim. Those are the worse disability insurance on the market. I know the HR department of my mom's work and we know a lot of people there. We are going to explain every employee how this insurance is so the company can get a different insurance for us. Aflac is really good.

I have had a horrible experience with Mutual of Omaha while dealing with them for a short-term disability claim through my employer. I was having major anxiety and panic attacks working with men which is really difficult when most of my interactions at work are with men.

I just wanted to write something positive about my LTD experience so that when someone else is going through the process they don't automatically panic that they will be destitute without payment after reading nothing but bad reviews. I began my disability due to an illness in July 2017. I filed and received payments weekly with regular updates from my doctor's appointments until January 2018. There were some delays with my doctors getting information to MOH in a timely fashion but nothing was too extreme. When it came time to switch to Long Term disability it did take some time to change over, more reviews of my medical records and about 80 days to get approved. In my opinion the process should have started sooner so that there was not such a large gap in time between policies but all in all compared to what I have read from others I should be thankful.

I was working for orange lake resorts for the last 9 years and I have always paid for a short term and long term disability policy. Last year I had to use it because I sold everyday having to use my voice. I started having serious problems with my vocal chords and went to see a doctor because I continued to lose my voice for days and sometimes weeks at a time. I had a precancerous tumor on my vocal chords and had to have several surgeries to have it removed. My doctor told me after surgery that I would not be able to continue working in my current profession because I now have a lot of damage due to surgery and the tumor. I then submitted a short term disability claim and everything was aces. They were very nice and professional and very respectful and most of all they paid every week.

Although it's been a tough few years I got hurt in 2013 and had a 12 month waiting period Mutual of Omaha has always paid me. Yes at times late but they have always made it good. I have been on claim for over 3 years and thought good and bad they have made it right. Yes I always have all DR updated and make sure I always get all information to them right away.

After reading other negative reviews here, I can see I am not alone. I had knee surgery 7 months ago. My surgery seemed to go well at first, but here we are 7 months later and my knee and leg are both swollen just as big as it was before the surgery, I am still in a great deal of pain and I am still under treatment because my doctor cannot figure put why my knee and leg are not healing. I have had a second MRI which indicates there might be re-tear in the meniscus. In Oct. I went to another surgeon for a second opinion and he took one look at the swollen knee and leg, and sent me out for an emergency ultrasound because there was concern that it might be a blood clot. Thankfully it was not. About two weeks ago, my doctor did a shot directly into the joint of my knee. This did nothing to reduce the swelling or the pain, and it hurt so bad that it actually caused pain.

I have been paying into Mutual of Omaha weekly for 3 years. I have never needed to use them for any benefits until recently. I was diagnosed with a medical condition November 1, 2017. I went to the hospital and then followed up with a specialist on several occasions. I was unable to drive or work for 8 weeks. I, along with my doctor & specialist, emailed and faxed documented information to Mutual of Omaha. I called weekly to be told that they were still waiting for documents from the hospital. I had a "not able to work" note from my personal physician. The hospital said they sent all documents but no one at Mutual of Omaha downloaded it out their queue. My worker insisted that she never received it and that was holding up my review for benefits. I was now off work for 7 weeks with no compensation at all! I had to call the hospital and then call Mutual of Omaha on the 3 way (Conference) with all 3 parties on the line.

My husband paid this company for years for short-term disability through his employer. Well when the time came that he actually needed to use it, the experience was horrible. The initial check was mailed to the wrong address, so it never made it to us, they were pretty unconcerned and took quite a while getting us a replacement check, then for a few weeks they actually got his weekly check to him in a timely fashion, then they just started mailing them when they felt like instead of every Friday like they told us and had been previously. I know this due to the postmark dates and they're very rude and extremely unhelpful.

I have been contributing to my insurance plan for over 7 years and have never touched it. I was recently in a car accident that put me out of work. Mutual of Omaha is claiming my symptoms are "subjective" even though they are backed by doctor's notes and medication. They claim my doctor noted that I should be back to work, but when I requested that they give me the document stating that they ignored my request. I spoke with my doctor and she said that she never put that anywhere in her notes. They seem to be lying to get out of paying a legitimate claim. I will be filing an appeal which will include letters from all the doctors that have treated me for this accident as well as from my employer who has stated that they cannot give me a light enough workload to bring me back on the job.

I had this carrier through my employer and my only child died suddenly and unexpectedly. She was only 19 years old. I was in complete shock for months and couldn't even get out of bed or focus on anything. I was completely disgusted with their lack of compassion and unethical reasoning and logic. They actually used the excuse that this was a pre-existing condition and that it was not severe enough. I have yet to understand how in the world an unexpected death of a child could be a pre-existing condition. I had a lawyer and everything and they still got away with it. In my opinion, losing your only child is the worst thing in the world that could happen to you. I would've much rather something had happened to me. This company is just disgraceful.

I had a work injury that required surgery in both hands. I applied for temporary disability through my employer. After two months I did receive the first check for a month but was contacted the next morning and told they "changed their minds" and not to cash it. When I asked what their reason was they gave me a medical diagnosis that is nowhere in my medical records and never occurred. Completely false. When I questioned this she would no longer answer any of my questions or tell me who made the decision or who I could contact to dispute it. I am still receiving checks I cannot cash complete with deductions for taxes which will count as income for my yearly totals. I was also told I would receive a letter of their diagnosis for my physician. Never got it. Stay away from this company! I have filed a complaint with my state department of insurance office.

My husbad has cancer and when he had applied for long term disability they told he had to apply for SSI. Now they want him to pay back pay more than what he got in back pay. The policy is supposed to pay up to 2 years though his employer. We have only 26 days to come up with money we don't have. Also they called him when he getting treatment. Told him they would email him and call him back which they never did.

I applied for short term disability through an agent. She was very nice. They needed information from my doctor, my doctor office sent them all the information that they needed. When I received the letter saying that they denied my claim because of information from my doctors, I went to my doctor's office and showed them the letter. The information that my doctor office sent them was SO much different from what my doctor sent them. They diagnosed me with things that I don't have and neither my doctor in her notes. I know that my doctor is not lying because I have been going to her for the past 20 years. She knows me very well. DON'T WASTE YOUR TIME WITH THIS COMPANY. THEY ARE A FRAUD.