Mutual of Omaha Disability Insurance

My husband's claim on short term disability for Covid 19 was denied. Said CDC guidelines says 5 days off. Back with mask. They haven't had Covid apparently. Employer says 10 days then retest. Canceled what I can't use.

I have been struggling to get this claim approved or really even to get a response of what is happening. I was told on 10/29/2021 that my medical records had been sent to the medical department for review which can take 10 business days. I am still waiting today with no information. I called their call center on the 15th, they stated that I had to talk with my claim adjuster and they would leave her a message. I had emailed her on the 15th, 16th and 17th with no response. I have called and left messages and did get a response yesterday but missed the call. I called the adjuster back with no return call. I have called today twice on the 17th with no response.

There were so many issues with my claim between being told one thing and then told the policy doesn't cover that later to slow payments to erroneous payments to slow responses. It's a mess and still not fixed.

126 days and I haven't even received my short term disability check that should have started on the 15th day. I still have not received an answer. It is always "When I receive an answer I will get back to you". They have all the paperwork and doctor's notes. I haven't received a dime! No money coming in. My husband has cancer and I am not receiving a check yet and I am losing everything I have worked for because of them!

If you're reading this as a claimant, get a disability lawyer immediately. If you're a small/medium business, your HR department doesn't have enough $$$ clout to push back on Mutual of Omaha's **. Consider looking elsewhere. Mutual of Omaha is obviously in the business of denying claims, and is a for-profit Fortune 500 company. There's no reason for them to give you your disability money that you and your company paid for, as it eats into their profits. Why should you pay the extra money out of your paycheck for this each month? It's simple: you shouldn't.

I'm already on short term disability and after 2 months later still no money. They denied my first claim saying preexisting and no call, return call on my main claim. Any company using them are horrible. Omaha is horrible and Kellier and anyone answering the phone is horrible. No assistance and tons of run around.

Absolute nightmare. I filed for STD in Aug 2020. The 50k-foot summary of the facts of my claim: When COVID hit, the NSA declared me to be (and issued me a memo to carry at all times) mission critical to our country's cyber-based infrastructure. I have DoD Top Secret clearance and am assigned to ensure the Air Force's satellite systems are protected from our enemies. Without people who do what I do, and carry the load that I carry, American citizens would not have the level of safety and security afforded to them every day.

I am EXTREMELY dissatisfied with Mutual of Omaha's claim's process and specifically my claims specialist Janisha. I submitted a claim in October and it took until February to reach review due to their requirement of my medical records for the past 5 years even though my claim was related to pregnancy. There was no urgency to communicate with offices to receive these records until I complained. Janisha was incredibly rude and unprofessional in multiple interactions with her. I addressed her not responding to email communications and she said "I technically have 7-10 days to respond"; some customer service that is. There was NO regard to the financial impact being out of work with no income which is the entire point of STD- income for when you are out of work and receiving no income.

My wife and I recently filed a claim with disability insurance that we pay for with Mutual of Omaha and it was denied despite us having lab work, and hospital paperwork proving her eligibility for the claim. The most jarring part of the experience was when the adjuster said the hospital didn't even recognize her as ever being a patient despite all the paperwork we had sent before. You can have all the proof in the world and they can just say no. I called multiple times, sent many documents and asked for another adjuster. If you're reading this stay away at all costs.

On June 18th 2020 I could no longer perform my work duties due to extra work (Covid -19 ) load on my body. I had extreme back pain from lifting and moving furniture at the long term assisted living facility I work at. I went to my primary care doc. and she gave me time off and sent a referral to a spine specialist Doctor. I didn't get an appointment until September 1st (everything was backed up due to covid). With multiple calls and x-rays from Doctor MOA said they were declining because many people work with degenerative back problems. I have more than that. I now have had a MRI showing a lot more, pinched nerves etc... I also suffer with Rheumatoid Arthritis. Mutual of Omaha sent my file to another doctor who wants records from my RA doc.