Mutual of Omaha Disability Insurance Reviews

Scam. Getting denied because of preexisting condition. Paid them 70 a month for short term disability. Not going to carry insurance anymore if I am not legally required to. I wrote the adjustor asking if I was getting denied because of pre-existing condition so I don't have to go through the onerous paperwork they sent me and never got a reply.

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.