Mutual of Omaha Disability Insurance

I was on short term disability through MOO that ran out in December, we switched over for approval for LTD and so far it has been a nightmare dealing with "Peggy". During the initial interview I had my wife sitting beside me because I have a hard time remembering dates and times. Peggy flipped out and basically told my wife not to talk. Then Peggy asked how many hours were in the work week at the company I was employed at. I got a call back several days later from Piggy calling me a liar and such and started reading down my hours that I worked. She would not stop. She was reading it like she caught me in a grand scheme to screw the system.

I was put on leave by my primary care provider in November of 2018. My doctor completed the required forms and the claim was accepted. Note this claim was provided through my employer that utilizes MOO for leave claims. The problems began when I had to intervene when I found out that the request for information was on a delay with my medical provider because MOO did not send the initial request for records properly, first time it was received just a cover sheet and no verification information form. Second time it was sent according to this 3rd party "weeks later", a cover sheet with my name and a verification for a random other person. Each time the clock begins again in terms of the length of time to review the detail by this 3rd party for the doctors office.

In October, I was in a car accident. I received a concussion, whiplash, pulsatile tinnitus and vertigo. I was initially approved for disability till 12-19-18. After that point, even with my chiropractor/neurologist saying I could not work, they said I was able to work and they denied my disability. Their team of doctors are limited to written reports and don’t attempt to completely understand the issue. I recently filed an appeal with additional information. It seems to me it might be better for them to trust the attending physician. I did not choose to be off work. Be very delight when filing a claim with them.

I was a little discouraged after I read all the negative reviews and before I submitted my claim. But my experience with the company has been excellent. I called and spoke to someone on three separate occasions. Each phone call was answered promptly and the representatives came across as very knowledgeable. They were also very polite and pleasant. When they received my claims documents, they sent me a letter with the direct contact information of the claim specialist assigned to my case. When I called and could not reach her, I left a message and she called me back promptly. She informed me that they needed one more documentation, and I followed up to make sure it got to them. Once they received it, they processed my claim and sent the check.

I was out of work for 14 months. I would say only 3 months were problem free. The final decision regarding one's disability is decided by the Mutual of Omaha doctors. I submitted my medical records every 2-3 months and each time there was a problem, which caused a delay in payment. Representatives prefer email, so verbal communication is quite difficult. My doctor stated "not able to return to work," but Mutual of Omaha disagreed, therefore terminating my benefits. I am still boggled that they easily dismissed the opinion. I don't believe MO offers the financial stability a person needs during a period of illness/unable to work. The time you spend gathering medical records, communicating with representatives, and following up is unbelievable. Mutual of Omaha STD/LTD was offered through my employer, at my expense. As a consumer I would others to research other STD/LTD insurance companies and avoid MO.

I finally decided to add a bank account for my check to be direct deposited, and now the problems begin. Check was released yesterday supposedly sent electronic funds transfer to my bank and nothing in my account and bank don't even show a pending deposit. I'm better off getting a paper check. I get my money much faster. I am out of my medication and can't wait much longer to get it. Other than this issue here Mutual of Omaha has been absolutely great.

About 1/16/18 I was contacted by a claim representative. We discussed my employer forms, my medical issues and was told they were offsetting Social Security income. They were going to immediately email me some further needed paperwork before initial payment, which a week later has never arrived. On my initial paperwork I specifically noted in the additional income portion I receive SOCIAL SECURITY RETIREMENT BENEFITS which is their target of the offset. The representative would see this is not allowed in my group policy...PAGE 5 if she would have read it and did her job correctly! So in short, this matter will cause more delay, email of paperwork needed not yet received- “lost”, and a insurance tactic delay to pay benefits owed for months.

Had the most difficult time with the short term disability process. They're undertrained representatives who aren't able to do anything in terms of help. I got my papers to them just to hear that they "didn't get them" even though I had the CC showing they were sent the same information as myself. After 2 weeks of nightmares I finally got to an analyst (not my own, my patience were too short by this point) and having to explain what was going on, even with my doctor saying I couldn't return to work and my work denying me themself. Which all you should need is what the doctor say, otherwise why go see them?

I have provided everything possible to MOO to get my claim approved. My doctors have sent them documents multiple times and they claim they still don't have enough to determine why I'm not working; as if I would be home waiting to be approved for the little chump change MOO present you with. If I was able to return to work right now I would. Working citizens do yourself a huge favor, save your own money and don't waste it paying into this ripoff company.

I have provided everything possible to MoO to get my claim approved. My doctor and employer have sent them documents multiple times and they claim they haven't received them and I speak with my provider and they have sent them multiple times. I have been suffering from depression and anxiety and panic attacks and under treatment of a doctor and a counselor and haven't received pay for two months.

I filed my claim as advised by my employer for STD that I pay the premium for through my employer. STILL WAITING! I have had to jump through so many hoops which I have done but it seems they always need just one more thing. What should have been an easy process has been a nightmare and meanwhile not only am I recovering from major surgery I am receiving NOTHING from this coverage that I PAY FOR. I will certainly convey my experience to my employer so they are aware of what their employees have to deal with on the hope that coverage we pay for can be used when needed.

I developed a brain condition that made it impossible for me to work; after multiple medical reviews and reports from my PCP, neurologists and neuropsychologists, all supporting the LTD policy that I paid EXTRA for was denied. On appeal, the hack "neurologist" Mutual of Omaha hired (hack is being generous, this Dr. has had her license to practice suspended and been accused of arson in the destruction of a $500,000 building) to do the review denied my claim with no further study or information. THIS IS THE PERSON DECIDING YOUR FUTURE!

This is my third claim with Mutual of Omaha. I have been paying into this expensive policy through my employer since May of 2013. The first time I filed a claim I had blown out my knee. I was placed on restricted duty that my employer could not accommodate & placed on a wait list for knee surgery. Because of the surgery wait list, MOO would not pay my claim. I had to finally threaten an attorney, as I had very little state income & would be facing an eviction. Once I threatened my attorney I received a partial back payment. Finally had my surgery 5 months later, followed by several extensions as my condition did not improve.

EXACT same tactics as the other reviews state. They stall, lie about not receiving paperwork, and much much worse! I'm preparing to save as many people as I can from being financially ** by these crooks. Tell me your story and let's get them shut down or even better, locked up! They profit from defrauding the sick and dying. Mutual of Omaha sucks and I wish we could list our email places and be able to interact. Maybe the classified site that Craig has can help us. They are nothing but deceptive and evil. Tell your HR people to not include them as an option! Their time has come to stop such malicious practices.

I’m at the beginning stages of filing a claim. First encounter with the rep was awful. I cried for an hour afterwards. Super aggressive and angry because what he’s looking for was not in the initial doctor report. "Sir I do not write doctors reports, did you clarify it with them?" When dealing with ill people some decorum is needed. I’m not even sure if another encounter with this rep is worth trying to receive 60% of my pay. This rep has worsened my mental condition, but maybe that was the whole purpose... Awful experience and sure he’ll be calling back causing more anxiety. The level of treatment/service Omaha Mutual perpetuates is shameful.

It's been almost 3 months and now they want more info even after medical forms and full records were sent, because they don't seem to think that my injury from my car accident is significant. Tell that to my children who I am unable to play with and my husband I can't be intimate with. Oh, and I guess it was all worth the measly 60% of my income I MIGHT get to completely lose the job I've been with for almost 3 years and lose my benefits that keep my epileptic son alive! What a bunch of scam artists!

I have been fighting Mutual of Omaha for over a year to pay my claim. Mutual of Omaha just ignores my messages, mails the wrong forms, or claims it mailed forms when it did not. I am currently suing Mutual of Omaha in federal court. If you are in a similar situation and are interested in joining my lawsuit to form a class action, please contact me right away.

Worst disability company I have ever had. It’s been over a month and half I have not received anything kind of Decision. I bought this In case I got hurt and I need to provide for my family. Mutual of Omaha saying it can take up to 6 months to receive any kind of payment. I will never recommend this company to anyone.

I was told a check was mailed the last day of July. Today I waited patiently until mail was delivered. Of course there was not a check. Sadly I am considering bankruptcy filing as I cannot rely on MOO. My entire life is now based on cancelled plans and appointment as I cannot afford gas or groceries. Today I will have multiple checks bounce at $39.00 each. Thanks MOO. I did not seek to be disabled and I’m sorry that MOO views me as a loss to their bottom line. This is what I paid for. Now I have to spend my time filing a formal complaint with the insurance commissioner.

I put a claim in in May. It was accepted and I was told a payment was going out and I should have it by July 15th. On the 17th I received an email from Janisha ** saying "A payment was issued and your benefits are paid through 7-9-2018. No further info will be needed. I will add that you have returned to work as of this date." As of today 8-1-2018 I received no payment from Mutual of Omaha. Cancelling my insurance and put that money I was going to pay them in a savings account.

I bought a short term disability policy from agent Blaize in Raleigh, NC. I made sure he knew that I was buying with the intention of extending my family and would need assistance once out of work. I was assured that short term disability was almost always used for this and was successful in providing financial assistance for new families. I bought the policy and a couple months later was pregnant. I have had clean annual wellness checks for years and don't have any comorbidities. I struggled at the end of my pregnancy and was deemed high risk and had to be induced ahead of schedule. I filed my claim upon the birth of my child and he is almost two months old.

When I started having a problem with this company, I contacted Morgan and Morgan attorney's. They are very interested in a class action lawsuit, especially with all the horrible reviews. I held off because I received 2 checks. I am still out of work awaiting surgery and for the last 2 months, they have not paid me a dime. I'm super frustrated because I have a real injury and pay for this benefit for when I need it. This company is doing everything they can to not pay our benefits. I think it's time to recontact Morgan and Morgan. I will go to the Supreme Court, if I have to. This company is all about profit and not helping the people in need. Trust me, Mutual of Omaha, I will not stop until I get what belongs to me.

Husband is going through a STD claim from his employer, as he pays for this benefit. He was injured in an auto accident and has been told from his employer that he can't return until 100 percent clear and no restrictions. Husband is suffering with nerve issues within his spine and has a concussion. I am authorized on his account to speak on all claim related issues and personal questions on his account. I have spoken to many reps whom are great and assist me. However, Natunja, a claims officer spoke with my husband weeks ago and asked typical questions about what had happened.

Work at the same place 18 years paying for this insurance. Needed to use it. Filled in March of 2018, finally in July I got my denial letter. Sent them everything they asked for. Each time calling it's some other excuse. The doctors took me out of work and I'm denied like I done something wrong, these people are horrible to deal with. First off they were sending information to wrong area code, fax wise, then she tried to act like I was lying about a invoice to pay for medical records, so she called Amber at doctor's office. Amber told her, "I sent you the invoice with the other fax," all of a sudden they find it, wanna always make us out to be of fault when it's them.

This company is a scam, they make you jump through hoops for months on claims then after your finally get everything 100% complete and prove to them you're not going away they send you a check for 25.00. Yes I got some money from state but this is a supplement insurance so I'm not getting paid because I got money from the state. SCAAAMMMMM. Should be a negative star rating.

Seems they want you to jump thru hoops like a circus. All documents show that doctors have provided are short term disability. THEY said there is a 2 week discrepancy in them. I know I tried to work at least a couple days a week just to keep all up to par on bills but no they will not have that. I will seek a attorney if needed. I would much rather be at work. I can make twice the money compared to what the disability pays. I have been out of work over a month and get the runaround. I WILL NO LONGER JUMP THRU HOOPS NOR WILL I HAVE MY DOCTORS JUMP THRU THEM. All the paperwork that I have sent is all that will be sent.

Well we got the call today that my husband's short term disability is being denied. We expected this since we have read all of the reviews, what we didn't expect was the reason why. In April my husband had some eye problems with one eye, it became cloudy where he couldn't see. He mentioned this to his regular dr, who then sent him to an eye dr. The eye dr. saw something behind his eye and sent him for a CAT scan, which showed he had a blocked carotid artery in his neck. He had unexpectant emergency surgery on the artery in May, shortly after the CAT scan results. They said he was a walking time bomb for a massive stroke and needed the surgery immediately. The artery was one of the worse the vascular dr. had ever seen, ruptured, black and pus... In short they saved his life with this surgery. He was out of work for a total of about 7 weeks.

I’ve been off of work since May 13th with my illness. MOO had been fighting me every step of the way. MOO has been claiming that there isn’t enough paperwork. My PCP has sent paperwork as well as my psychologist. This is the eighth week off with no pay. I’ve spent my family's savings paying bills and now we are starting to borrow money from relatives. It’s not only embarrassing but a shame. Corporate America continues to take from the little man but not pay when the time is right. This is not helping my current situation at all. I talked with my Dr. today and he said it’s time to seek legal help. Calling an attorney is not the route I wanted to go but I have to now since MOO is turning push into shove...

I wish I could give a negative 5 stars. They have screwed me out of my last 4 short term disability checks. They will do their best to not pay you. I am currently in the process of getting an attorney to try and get my pay. I would STEER CLEAR of this company if I were you. They are con artists.

This has been the worst experience ever. It’s probably going to cause me bankruptcy. I fainted and got a concussion. I lost consciousness and 911 was called. I’ve been to 2 er’s And was sent home from work until I could get clearance. My neurologist would not clear me and I was sent to a neuropsycotherapist. After being off work 2.5 mo I finally got cleared for work. Mutual of Omaha is doing everything they can to not pay me. They are seeking all kinds of info on me that has nothing to do with my injury.