Mutual of Omaha Disability Insurance Reviews

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.