Mutual of Omaha Disability Insurance Reviews

Extremely frustrating experience with Mutual of Omaha’s short-term disability process. We filed the claim on June 18, provided the requested medical documentation, and the online portal eventually showed the claim as approved with benefits beginning June 16. Despite that, we have received no payment and no official correspondence explaining the payment status. We have repeatedly followed up ourselves, submitted additional documentation when requested, and have now asked three times for a third-party authorization form that was supposed to be emailed to us and still has not been received.

I'd give them zero stars if possible. If your employer uses Mutual of Omaha for their disability insurance, you need to quit that job. And stay away from any potential employer that uses them as well. This advice may not mean much to you now but wait until you need to file a claim. Stay away from Mutual of Omaha if your sanity is important to you. This company goes out of their way to frustrate you so you can give up on your claim. For some odd reason, they never receive any documents on time. It takes them weeks to confirm receiving anything from Doctor's offices and even longer to review them. They intentionally give you the runaround. I am surprised they haven't asked for documentation from God himself to ensure I did not have pre-existing condition before birth.

Spent an hour and a half on the phone waiting for somebody to tell me that it takes up the 4 weeks before you get your short-term disability. You go back to work at 6 weeks. You get your first paycheck before you get your short-term disability which is WRONG! So people go without food, water being able to pay their bills because of the incompetency of the insurance industry, people lose their vehicles, lights, because not everybody has a freaking savings account. They don't have other people to help them pay their bills. How about getting your act together and doing your job and paying your customers who pay you to have insurance to cover them when they get sick or have to have a surgery.

I have been on maternity leave since 4/6/2026 and today is 5/6/2026 and my STD claim is still not approved. I am about to miss my second pay period. It took almost three weeks and me reaching out before I was told by my specialist that they did not have my employer's contact information and were unable to verify my pay. If they did not have their contact information why did they not reach out? They have no timelines or real answers on the process. I get everyone situation is different but by the time they decide to pay me my maternity leave will probably be over.

I am extremely frustrated with the handling of my short-term disability claim. I have not been receiving my weekly benefit checks as expected, and the primary issue appears to be a lack of follow-through in obtaining the necessary documentation from my doctor’s office. Despite providing all required information on my end and staying in communication, there has been a consistent delay due to your team not securing the medical reports needed to process my payments. This has created unnecessary stress and financial strain during a time when I should be focusing on my health and recovery.

I wish there were negative stars, they would get 5 negatives from me. This is an HONEST review, not a “Karen” review. It’s been 6 months since my disability claim. I was working full time bought this insurance for STD through my employer and employer pays for LTD. Let’s just say I’m STILL WAITING for them to process the STD claim, STILL out of work as well. They request information (THE SAME INFORMATION) multiple times from you and your doctor. When you call to get an update, “We are still waiting for the requested information”. Now, my doctor has emailed my records and cc’d me, I KNOW WHEN THEY GET REQUESTED INFO.

I had a hip replacement surgery after gathering all my medical records. My caseworker called me and told me that my claim was denied because I was referred to an orthopedic surgeon and he done an MRI. That’s the reason for my denial and that was considered pre-existing. I told her how is he gonna know what to do if he doesn’t do a test? I think this is very wrong on how they scam you out of your money. Something needs to be done about this company.

I filed for disability from Mutual of Omaha. Employer provided insurance in late May 2025 after being out of work since January 14th. I was denied in early October. I appealed and was denied again. I have 2 doctors that have written letters that I am not able to return back to work to my position. My employer would not allow me to return without a release from my doctor. 1 of my doctors tried 2 times to call the out sourced firm evaluating my case with no luck. I wrote an email asking how my claim could be denied with 2 doctors saying I am not able to return to my job.

I would advise others to look elsewhere for Short term Disability coverage. Even though the customer service has treated me well. The 60% of current income only lasted a short while before they lowered to 60% of the 60%. So, not withstanding the little help is better than nothing while recovery is underway, but the reduction to 1/3 of my usual pay wasn’t foreseen. Nor will I be able to completely heal before my bills start to suffer.

I was diagnosed with CHF and hospitalized 11/23. I also have Autonomic Dysfunction with causes syncope episodes constantly. I have passed out numerous times with which has caused a broken tooth, fractured ankle, numerous bruises to my face. I only shower in a shower chair with someone here in case I pass out. I had a colon resection in 2013 and have had chronic diarrhea ever since. I have severe depression and anxiety. My doctor says I can’t work and filled out paperwork she received from my case worker at Mutual of Omaha. He’s now telling me that they’re closing my case because they feel I can’t do a sedentary job.

I would not give this company any rating but of course that is not an option. The company is a complete rip off. If you sick they do not pay and allow their employees to get away with discrimination. You are better off with no short term disability insurance at all from Mutual Omaha. The money they take out your account you can save for guaranteed finances when your health issues have you unable to work for a short period of time. Do Not use mutual omaha.

I have had Mental health issues all my life. PTSD, Severe Depression, Anxiety and severe panic attacks. My company Long Term Disability that I paid is Mutual of Omaha. I am 67 and planned on working until I turned 70 or longer. My illnesses have flared up and worsened over the past 2 years. Last December 2024 at the recommendation of my providers I went on FMLA/Short Term Disability. My company let me go in February 2025. I applied for my Long term Disability with Mutual Of Omaha in March 2025 and it’s been nothing but a headache. They denied my original claim stating that I worked from home so my symptoms could not affect my work.

I went on leave on April 28, 2025 due to me wanting to give up on life, my doctor took me off work till May 26 then extended it till July 18 as I started new medicines and still didn’t want to shower or get out of bed. It was to the point I didn’t even want to interact with my kids because I just wanted to sleep and cry. I was just told I was denied because my doctors didn’t do an exam to back up my depression, it was just going off my word. Keep in mind these are the same drs who I been seeing since I was 15 and I’m 42 now. They know when I’m having a crisis and when I’m not.

Terrible experience. I waited two months for a short-term disability claim, only to be told—on a Friday evening—that I was denied. As if I’m not already going through enough, they dragged this process out so long that I’m now facing bankruptcy, and I still can’t return to work. Screw me, I guess? They never gave a reason for the delay, never followed up, and never communicated what they were even doing during those two months. This isn’t a joke—I desperately needed this, and it’s clear they just don’t care. Avoid doing business with these people at all costs.

I was contacted by the company and was asked to send an email to them. Then Shawn ** (I believe was his name) a manager at Mutual of Omaha was in contact with me. He was great and assured me that they received the information from my drs and that everything looked to be well documented and that it was under review. He was compassionate and went out of his way to explain things to me.

I got the additional STD time approved just two days ago and it is such a sigh of relief. Thank you Shawn for all your help! Still only 4 stars because it was a hassle at one point, but Shawn definitely helped make the situation better!

I was in a car accident 1/29/2025 and needed to be off work, so I filed a short-term disability claim. I returned to work on 4/7/2025 and still have not received a decision on my claim or any funds from them. The representative assigned to me is difficult to reach and rarely returns calls or emails. I have had to submit documents repeatedly because she told me that they were not received by them, but I then was told those documents were actually received. She implied that if I didn't provide full psychotherapy notes, which have specific HIPPA laws, that it would likely be denied. She has caused this to be far more prolonged than necessary. I reached out to a supervisor, but do not feel it helped in the least.

Updated on 05/02/2025: I submitted a review on this website on April 11, 2025 and was supposedly contacted by Mutual Of Omaha and told to email my contact information to customercare@mutualofomaha.com. I emailed what was requested of me but I have yet to be contacted by anyone at Mutual of Omaha. I guess it’s time to get an attorney involved.

I have short and long term disability through my employer. I got injured at work 7 weeks ago, Filed my claim with my employer's assistance. My employer expedited it immediately. A week later my claims agent called me and said, "OK you have met the initial 7 day waiting period. So we are sending out your first 2 checks." I even verified with my agent that they had the correct mailing address in the system. 2 weeks go by still no checks.

This insurance company is typical profits before doing what is right to those that situation is really arduous, They generalized everyone and on their concepts decide who they will trust and who they want to be fair with. It begs to differ what is so hard for someone with a pen and some authority to do the right thing for those who needs help and who is also too weak with pain and worry to fight and fight but yet these Insurance company put them through exactly such. How can any human with a conscience not be bother that their careless, greed and insensitivity and lack of compassion has caused such grief in one lives. I hope that if ever there comes a time that one of these Insurance Adjustor is on the other side that there will be someone who will have more compassion for them than they had for their policyholders

If I could give them NO STARS I would! Worst freaking experience EVER!!! My TKR was October 24th 2024... just prior to surgery I got an email stating that a caseworker was assigned to my case and would reach out within the next week. NOBODY CALLS!!! 2 weeks after surgery I called them! I didn’t know who my caseworker was so, I spoke to someone on the general questions line. They found my caseworker and gave me her information! So, naturally I tried calling her… Well, that didn’t go over well since my caseworker decided she needed a vacation and wouldn’t be back in the office for another week!

My husband was employed for 14 years and began having medical problems kinda suddenly and he ended up on std. He hass now had to medically retire and we are beginning to transition into ltd. We were blessed to have AJ ** for our agent to handle our std claim. She was wonderful, even responding to my emails on a Saturday. If we had a problem she helped us find a solution. It was a huge relief to have such a caring employee to guide us along and handle our claim so well. I can't say enough positive things for AJ. Mutual of Omaha is lucky to have her, we were also lucky to have her.

I obtained my benefits thru my employer. After collapsing at work one day from severe joint pain, I was rushed to the Hospital. After running some tests I was diagnosed with Lupus, an autoimmune disease. It attacks all of my joints causing severe swelling and inflammation amongst other debilitating symptoms like extreme fatigue, chronic pain, insomnia, prone to infections, depressions, anxiety, brain fog, memory loss, sensitivity to sunlight, can attack the main organs of the body to name a few. The Doctors told me I caught it just in time as it was spreading to my heart and lungs, needless to say this disease prevented me from fulfilling my original occupation. I was a commercial electrician.

I had an unexpected surgery that required me to be off work for 8 weeks, so I applied for short term disability through my company's provider Mutual of Omaha (MOO). I complied with the documents required each time additional documents were requested and eventually received a letter dated 4/24/24, about a month into the process, that I was approved for a distribution of $9240 with MOO paying their portion of $3600 and California Disability being responsible for the remaining amount. This letter indicated that I would receive the check within 10 business days. The letter ended with instruction to call a direct line for Yulisa ** with the Group Insurance Claims Management department if you have any questions. I called this line same day I got the letter and it is no longer in service.

I had went to the emergency room because I was having pain in my groin and hip and my need to see an orthopedic doctor and I did and found out I need surgery and this was not preexisting. Now you won't pay my disability.

I was put on leave by my general manager Jan 7th 2023 because I had declined in health over the last 2 years. I was not prepared however I did my form and turned it in. After 2 months spent trying to tie this to my prior leave they decided not to. After 3 dr appointments dealing with post covid none would fill out my form. Month 3 March I was found in a hotel unresponsive and admitted to ICU Palm Coast for 5 days then I woke up and found out I had coded and lucky to be alive. Then my dr appointment was 28th March I went to Orlando hotel and checked in only to lose all feeling waist down 2nd day. I never made it to dr appointment and hotel checked me out, threw me in my truck w/ my dogs and luggage then told me to call 911. Still nothing from Mutual of Omaha.

Came down with a short term disability. They asked for medical records, all of which my physician provided. Their conclusion was that nothing was wrong with me as there was no record of illness during the time the doctor said that there was. Follow up appointment, asked my physician to send new copies and he did, which they again ignored. Now my employer is appealing on my behalf and I have to go through a third set of documents to prove what they already know but chose to ignore.

Went on leave end of April. My HR and myself Sent all the documents requested. Never got update anything. Reached them, they asked me to send the documents again. They kept telling me it was under review, then I was told to stop reaching them for update, that they will reach me. From May l, I only got a mail beginning of July saying it was still under review. Both my doctors said a specialist was supposed to reach them to review my diagnostic, they schedule calls but never reach and didn’t apologized.

My husband has moderate degeneration in his lower neck that causes his arms and hands to go numb at random. Our doctor took him off work and my husband applied for disability payments. We got one payment and then it went to medical review for further payments. My husband would call to see what's going on, to be told it's in review and it will be available on 'X' (date) and he'd call only to be told the same thing this went on for 2 months.

I was injured at work and put on leave July 2022. I received short term disability for 90 days at a rate of $344.75 a week. Plus my work comp pay. When they rolled me over to long term my pay decreased to $261.65 a month. What the hell happened there? Anyway in April 2023 I lost my work comp pay of over $2000 a month. Well I let Mutual of Omaha know and sent the paperwork in and they told me that my monthly income would not change. What a kick to the stomach. Now after getting behind in bills on work comp and ltd I'm gonna lose everything I own because they won't give me that offset to where I should be to try and save everything I have worked so hard for all my life. YOU PAY IN BUT GET NOTHING IN RETURN

I submitted my claim for short term disability in Oct 2021 it is now June 1 2022 and all I have received is a headache, dealing with this incompetent company. They not only "forgot" about me, they have cherry picked from all the information I have provided to fit their reason for denial. They did not check with any of the doctors who would have supported my story. They denied me, delayed payment for my medical records, when I appealed and neglected to communicate with my doctor in a timely matter during the appeal process. They reached out to my doctor for another review, when there has already been plenty of reviews. And when my doctor tried to make an appointment with them, mutual of Omaha have still not contacted them after 15 days. They are incompetent at what they do. I cannot warn you enough not to get involved with company, if you don't have to. How do these people sleep at night, knowing they screw people over day in and day out.

My husband's claim on short term disability for Covid 19 was denied. Said CDC guidelines says 5 days off. Back with mask. They haven't had Covid apparently. Employer says 10 days then retest. Canceled what I can't use.

I have been struggling to get this claim approved or really even to get a response of what is happening. I was told on 10/29/2021 that my medical records had been sent to the medical department for review which can take 10 business days. I am still waiting today with no information. I called their call center on the 15th, they stated that I had to talk with my claim adjuster and they would leave her a message. I had emailed her on the 15th, 16th and 17th with no response. I have called and left messages and did get a response yesterday but missed the call. I called the adjuster back with no return call. I have called today twice on the 17th with no response.

There were so many issues with my claim between being told one thing and then told the policy doesn't cover that later to slow payments to erroneous payments to slow responses. It's a mess and still not fixed.

126 days and I haven't even received my short term disability check that should have started on the 15th day. I still have not received an answer. It is always "When I receive an answer I will get back to you". They have all the paperwork and doctor's notes. I haven't received a dime! No money coming in. My husband has cancer and I am not receiving a check yet and I am losing everything I have worked for because of them!

If you're reading this as a claimant, get a disability lawyer immediately. If you're a small/medium business, your HR department doesn't have enough $$$ clout to push back on Mutual of Omaha's **. Consider looking elsewhere. Mutual of Omaha is obviously in the business of denying claims, and is a for-profit Fortune 500 company. There's no reason for them to give you your disability money that you and your company paid for, as it eats into their profits. Why should you pay the extra money out of your paycheck for this each month? It's simple: you shouldn't.

I'm already on short term disability and after 2 months later still no money. They denied my first claim saying preexisting and no call, return call on my main claim. Any company using them are horrible. Omaha is horrible and Kellier and anyone answering the phone is horrible. No assistance and tons of run around.

Absolute nightmare. I filed for STD in Aug 2020. The 50k-foot summary of the facts of my claim: When COVID hit, the NSA declared me to be (and issued me a memo to carry at all times) mission critical to our country's cyber-based infrastructure. I have DoD Top Secret clearance and am assigned to ensure the Air Force's satellite systems are protected from our enemies. Without people who do what I do, and carry the load that I carry, American citizens would not have the level of safety and security afforded to them every day.

I am EXTREMELY dissatisfied with Mutual of Omaha's claim's process and specifically my claims specialist Janisha. I submitted a claim in October and it took until February to reach review due to their requirement of my medical records for the past 5 years even though my claim was related to pregnancy. There was no urgency to communicate with offices to receive these records until I complained. Janisha was incredibly rude and unprofessional in multiple interactions with her. I addressed her not responding to email communications and she said "I technically have 7-10 days to respond"; some customer service that is. There was NO regard to the financial impact being out of work with no income which is the entire point of STD- income for when you are out of work and receiving no income.

My wife and I recently filed a claim with disability insurance that we pay for with Mutual of Omaha and it was denied despite us having lab work, and hospital paperwork proving her eligibility for the claim. The most jarring part of the experience was when the adjuster said the hospital didn't even recognize her as ever being a patient despite all the paperwork we had sent before. You can have all the proof in the world and they can just say no. I called multiple times, sent many documents and asked for another adjuster. If you're reading this stay away at all costs.

On June 18th 2020 I could no longer perform my work duties due to extra work (Covid -19 ) load on my body. I had extreme back pain from lifting and moving furniture at the long term assisted living facility I work at. I went to my primary care doc. and she gave me time off and sent a referral to a spine specialist Doctor. I didn't get an appointment until September 1st (everything was backed up due to covid). With multiple calls and x-rays from Doctor MOA said they were declining because many people work with degenerative back problems. I have more than that. I now have had a MRI showing a lot more, pinched nerves etc... I also suffer with Rheumatoid Arthritis. Mutual of Omaha sent my file to another doctor who wants records from my RA doc.