Mutual of Omaha Disability Insurance Reviews

To be denied by an outside physician because of no recent exam stating I have chronic depression, anxiety and PTSD is crazy. I drained all my 401 to help pay bills, due to be homeless 'cause I have no money to pay my next month's rent and car up for repo because I can’t pay my monthly note. These people have no heart or compassion. I hope none of them or their family members have to go through what I am. Ow I have to stress on money problems too, I was put on leave to get my mental health better, not for it to get worse.

Original Review: May 24, 2025

If you’re having a baby with the typical 6-8 weeks off you’re good to go. But if you just so happen to be one of the very unlucky woman to experience postpartum depression they will run you through hoops to get you covered. I’m one of the those unlucky ladies, and they are running me wild trying to get approved even after my dr said they don’t want me to go back to work until I get my medicine figured out and I’m in a better state of mind. I’ve emailed/called several times and they just kept telling me they didn’t receive the documents. Well after I stood there and watched my dr's office send in the documents I emailed and told them I seen them fax them and the guy FINALLY admitted they got them but would have to go under review. Takes 10 business days for review. For short term it's a max of 12 weeks. My 12 weeks will be up in two weeks and have only received the initial 6 weeks of STD pay. All because they are not being responsive.

If depression isn’t enough let’s add financial difficulties to my plate. My drs have been GREAT and told me they will figure this out with me, but there’s only so much they can do. Woman suffering from post partum depression shouldn’t have to go through this when they already feel like their world is upside down and they are not in a good state of mind. I honestly have thought about contacting a lawyer to see what my options are because I don’t want any other woman to have to go through this while not being able to see the light at the end of the tunnel. It’s not fair. This place needs to DO BETTER!!!

I am at a point where I quite honestly am falling behind on monthly bills and have little food left until my first paycheck, which will not be deposited until 4/30/25,after returning to work. I have reported this to my HR director so that the company can consider other insurance providers for the future. How is this company still in business?

Original Review: I’m an assistant principal at a middle school and submitted PCP notes, diagnostic imaging, and physical therapy records that prove I have the following: multilevel disc desiccation with mild spinal canal stenosis, mild spinal compression at midlevel, straightening of the lordosis, cervical kyphosis, degenerative disc disease (C4–C7), and loss of cervical lordosis. My claim and my appeal were denied.

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.