Mutual of Omaha Disability Insurance Reviews

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About Mutual of Omaha Disability Insurance

Pros
  • Responsive customer service
  • Supportive agents during claims
Cons
  • Frequent claim denials
  • Delays in payment processing

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Mutual of Omaha Disability Insurance Reviews

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    How do I know I can trust these reviews about Mutual of Omaha?
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    Page 1 Reviews 0 - 10
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    Staff

    Reviewed June 18, 2025

    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.

    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.

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    Mutual of Omaha Disability Insurance
    Response from Mutual of Omaha Disability Insurance

    Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

    Resolution In Progress
    Customer ServicePunctuality & SpeedStaffProcess

    Reviewed June 6, 2025

    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.

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    Mutual of Omaha Disability Insurance
    Response from Mutual of Omaha Disability Insurance

    Hello. Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com.

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      Jaymie increased rating by 3 stars.
      CoverageStaff
      After a positive interaction with Mutual of Omaha Disability Insurance, Jaymie increased their star rating on June 4, 2025.

      Updated review: June 4, 2025

      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!

      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!!!

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      Mutual of Omaha Disability Insurance
      Response from Mutual of Omaha Disability Insurance

      Hello. Thank you for taking the time to provide a review. We would like to look into this further. Please email your contact information to customercare@mutualofomaha.com, along with the best time to reach you, and one of our customer care associates will be in touch. We look forward to speaking with you.

      Customer ServiceStaff

      Reviewed April 22, 2025

      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.

      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?

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      Mutual of Omaha Disability Insurance
      Response from Mutual of Omaha Disability Insurance

      Hello. Thank you for taking the time to provide a review. We'd like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

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      Reviewed April 11, 2025

      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.

      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.

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      Mutual of Omaha Disability Insurance
      Response from Mutual of Omaha Disability Insurance

      Hello. Thank you for taking the time to provide a review. We'd like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

      Customer ServiceStaff

      Reviewed March 20, 2025

      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.

      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.

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      Mutual of Omaha Disability Insurance
      Response from Mutual of Omaha Disability Insurance

      Thank you for taking the time to provide a review. We'd like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com.

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      Reviewed Jan. 8, 2025

      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

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      Mutual of Omaha Disability Insurance
      Response from Mutual of Omaha Disability Insurance

      Thank you for taking the time to provide a review. We'd like to look into this further. Please email your name, policy number, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Jan. 3, 2025

      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!

      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!!!

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      Mutual of Omaha Disability Insurance
      Response from Mutual of Omaha Disability Insurance

      Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your name, policy number, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

      Customer ServiceStaff

      Reviewed Nov. 7, 2024

      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.

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      Reviewed Oct. 24, 2024

      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 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.

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      Mutual of Omaha Disability Insurance
      Response from Mutual of Omaha Disability Insurance

      Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com. We look forward to speaking with you.

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      Mutual of Omaha author review by Matthew Brodsky

      Mutual of Omaha is a mutually funded insurance company headquartered in Nebraska. It offers insurance in almost every state via its 4,900 associates.

      • Location-specific plans: Users can provide their address to receive policies customized to their region, browse plans online or get general information if they don't want to provide a location.

      • Offers needs assessment calculator: Consumers can determine how much coverage they need by using this online tool.

      • Guaranteed renewable: Insureds can renew their policy annually until they reach the age of 67, regardless of their health status.

      • Offers business overhead expense insurance: Individuals who own their own business may want to purchase a plan that covers overhead expenses if they become too disabled to run their business.

      • Offers accident-only plan: Users who are in good health and don't want to pay a lot can purchase a policy that covers short-term disability only in the event of an accident.

      by Matthew Brodsky Insurance Advisor

      Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

      Mutual of Omaha Disability Insurance Company Information

      Company Name:
      Mutual of Omaha
      Year Founded:
      1909
      Address:
      Mutual of Omaha Plaza
      City:
      Omaha
      State/Province:
      NE
      Postal Code:
      68175
      Country:
      United States
      Website:
      www.mutualofomaha.com