Mutual of Omaha Disability Insurance

They keep asking for more forms to be filled out by us and doctors. Then they turn down the claim because they don't consider her disease a disability. We appeal, they ask for more forms, then they turn it down again. I feel that all this stress has added to the length of my wife's disability. She starts showing signs of improvement, then relapses when they tell her they won't cover the disability. I have talked to a lawyer and he says there is definitely a case. In conclusion, find a different company for your insurance. Don't risk not being covered, when you need it.

Review department is in its third review. I've been off work and under a surgeon's care the whole time. I have exhausted savings paying for COBRA insurance and bills. It is now 2 months since release from workmans' comp. (7-26-19) with no end in sight. Karen ** my caseworker can only check and say it's still in review, her supervisor Eric ** didn't return my calls. I paid weekly for years to cover unforeseen circumstances like this and you've left us stranded. There's got to be a better way to verify and process claims on your part.

I got notice they were taking out $18 for cancer insurance which I declined. How often the withdrawal, I don't know. Now they are going to withdraw $59 for term life insurance. I had already canceled this company more than a month ago. See, abuse with autopay. I didnt ask for term life. I asked for the disability/ death benefits so if I die my home is paid. Now I have to waste another entire break at work calling these people to have that removed. She totally changed everything on the contract after leaving.

This time they are stating that I violated the policy by not being under the "regular, in-person" treatment of a physician. This is nonsense! They are aware of the fact that I did 7 months of intense physical therapy but was eventually discharged because I wasn't improving. The Orthopedic Surgeon discharged me after he determined I was not responding to PT and there were no further treatment options. I then transferred to an MD who prescribes me pain medication and **. However, there is no reason for me to go into the clinic for this pain-management treatment, so I call-in for prescription refills. Because I telephone for prescriptions rather than drive 25 mile round trip and waste the Doctor's time with an unnecessary and expensive in-person visit, M of O is refusing to pay.

The worst part is this: I SPECIFICALLY E-MAILED my M of O claims rep over a year ago when I was discharged by the Orthopedic Surgeon and asked her how often I needed to be seen to meet the "regular, in-person" treatment requirement of my policy. She answered IN WRITING that M of O cannot make that determination, and that the frequency of treatment is up to the treating physician. Now they cancelled my benefits because I am supposedly not being seen enough! So in other words, my M of O claims rep LIED TO ME and SET ME UP for cancellation.

This third appeal is my last effort to get paid before I hire a lawyer. Unfortunately, lawyers take about 1/3, so I have been postponing expensive and time-consuming legal action. If I don't get paid quickly I will also be making an honest YouTube video to describe these shady Mutual of Omaha practices. I have recorded and documented everything (in a completely legal manner) including numerous e-mail exchanges with my FOUR claims reps (YES, they've changed my claim person four times!). Maybe I can warn others to stay away from this group.

No I received a phone call stating a request to review my social security offset. I have been disabled for 10 years. Now I being asked again, after the first 2 years of hell, to review my social security income again. I totally don’t understand why or what is going on? Are they wanting the cost of living increases from social security the past 10 years? The small amount of income they are paying me reduced more????

Original review: Denial for Epilepsy = Complex Partial seizures. I’m no doctor but I’d say epilepsy affects the brain tremendously, even eventually causing damage. Part of the brain is not functioning properly! That part may function to a certain extent but in turn causes the learning disabilities and epilepsy, also anti epileptic meds slow brain waves. I have dyslexia at times. Don’t take my word for it though, the brain is so complex that even neuroscientists don’t fully understand everything about it.

I truly think your nurses and medical staff need to educate their self more on my condition. Partial complex seizures/epilepsy is not a disabling condition??? I need a paper copy of denial letter. I am insulted and very hurt! The EEG should be proof alone! Don't tell me, I don't have a condition, the anti-seizure medicine alone is horrible. If your team of medical staff only was educated enough! Like asked please send me a letter denial in mail, not secured email... Denied! Do me a favor and don't send me an automatic reply about how sorry we are for your experience like all the reviews posted. I HAVE PAID IN FOR YEARS FOR THE STD/LTD TO BE DENIED FOR A SERIOUS CONDITION... Did you know epilepsy kills 50,000 people a year versus 39,500 people with breast cancer a year. Facts. Educated your so called medical staff on my condition! This needs to be fixed, or I will take action.

Mutual of Omaha hired outside medical professionals to discredit mine medical professionals to only stall. Meanwhile I had a multiple level ACDF cervical spine fusion C3 through C7 which of course is a major surgery. While preparing for the surgery I need it to be resting and after the surgery need to be resting. This however was never enough 4 the long term disability Mutual of Omaha. They somehow think that I made this all up. Instead of of helping with the situation believing in this situation they just keep denying. I'm in the final stages of my appeal. They owe me $22,000 this moment and they refused to own up to this policy because it was a physical problem that I had. It was elected then I had previous post-traumatic stress disorder.

He wanted to know my whole life story based on the fact if they were trying not to pay rather than just paying for the disability in front of them which was more than enough for this policy. I paid for that policy and they denied me. I want my money back and the money that they owe me. I don't think that people deserve to go through this malicious evil technique Mutual of Omaha rather than going through long term disability. The United States government should own up. Is there a responsibility to the workers of this country? Why do we have to go through these fraudulent hopeless companies to benefit? I would disability if United States government would listen to the the doctors who are part of the AMA.

We would not have to go through this process of being poor because of the disability that happened accidentally and incidentally I did not do this to myself. I was in an automobile accident which caused me great pain. I work for 3 and 1/2 years until the pain was so severe did it actually drove me to the point of surgery. I should have been commended for my time that I did work trying to get through the process healing the injury I sustained instead I got mental anguish and lies from Mutual of Omaha company. I will not take this laying down. This company should be shut down for their fraudulent acts to defraud the American people.