Mutual of Omaha Disability Insurance

Mutual of Omaha Disability Insurance Reviews

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Mutual of Omaha Disability Insurance Reviews

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    Page 1 Reviews 0 - 10
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    Customer ServiceStaffProcess

    Reviewed May 16, 2024

    I had an unexpected surgery that required me to be off work for 8 weeks, so I applied for short term disability through my company's provider Mutual of Omaha (MOO). I complied with the documents required each time additional documents were requested and eventually received a letter dated 4/24/24, about a month into the process, that I was approved for a distribution of $9240 with MOO paying their portion of $3600 and California Disability being responsible for the remaining amount. This letter indicated that I would receive the check within 10 business days. The letter ended with instruction to call a direct line for Yulisa ** with the Group Insurance Claims Management department if you have any questions. I called this line same day I got the letter and it is no longer in service.

    I called the MOO 800 line immediately after to inquire if any additional action was required on my part and was told that because the final distribution would come from CA disability, I would be able to call them and give my SSN to inquire about payment status but that no additional action was required. Due to long wait times for state disability inquiries, I wanted to be respectful and wait the 10 business days for payment to not flood the lines. I called today 5/16/24 and discovered they had no record of any claim applicable for me.

    I called back the MOO 800 number and that is when they told me I would need to apply for CA disability on my own to see any funds. At no point in time during any of the communication in this process, not by email, phone or letter, was I instructed to apply directly with CA disability in order to receive payment. I have been in executive level management for years, and I expect the experts my company entrusts with these processes to provide accurate information and instruction.

    I am now 7 weeks into my recovery time and only just now being informed of this additional step. I am fortunately financially comfortable to withstand a period of time without income, however, my concern is what my staff would have experienced had they been instructed to follow the same protocols just to find out that the expert our company employs failed on so many levels from providing the proper information required to ensure they were financially sound during a difficult time like a surgery recovery. The level of incompetence across the board from lack of information to downright incorrect information in all communication provided in this process is outrageous and needs serious attention.

    Mutual of Omaha Disability Insurance
    Mutual of Omaha Disability Insurance
    Pinned

    Hello. Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your company’s name, your full name and address and the 800# you called to customercare@mutualofomaha.com. We look forward to speaking with you.

    Reviewed Feb. 2, 2024

    I had went to the emergency room because I was having pain in my groin and hip and my need to see an orthopedic doctor and I did and found out I need surgery and this was not preexisting. Now you won't pay my disability.

    Mutual of Omaha Disability Insurance
    Mutual of Omaha Disability Insurance
    Pinned

    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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      Customer ServicePunctuality & Speed

      Reviewed Aug. 29, 2023

      I was put on leave by my general manager Jan 7th 2023 because I had declined in health over the last 2 years. I was not prepared however I did my form and turned it in. After 2 months spent trying to tie this to my prior leave they decided not to. After 3 dr appointments dealing with post covid none would fill out my form. Month 3 March I was found in a hotel unresponsive and admitted to ICU Palm Coast for 5 days then I woke up and found out I had coded and lucky to be alive. Then my dr appointment was 28th March I went to Orlando hotel and checked in only to lose all feeling waist down 2nd day. I never made it to dr appointment and hotel checked me out, threw me in my truck w/ my dogs and luggage then told me to call 911. Still nothing from Mutual of Omaha.

      Next day after pissing all over myself I called er. They admitted me with lower paralysis and unknown cause. After 2 weeks and several tests they never said what I had and sent me out. 2 days later I was admitted to Daytona Halifax with same symptoms. Went through everything all over again with promises of getting better. Well I was sent out over an address issue 2 weeks later still not saying what I had. Finally I read my paper work, Guillain-Barre syndrome.

      I saw a general practice dr. She sent in forms. Because she did not put the date of Jan 7th 2023 on it I was denied. Now I'm paralyzed, 3 hospital stays, treated like crap by Drs and Mutual of Omaha and asked to send in everything proving I sought treatment. Instead of focusing on getting better. I'm single, 47 and family is passed. I paid for short term to protect myself. Then I had to wait 3 months while living in my truck for neurologist appointment. So July 31st I bring my paperwork and as of the 28th dr has not sent in form however it's been sent in 2 times.

      Now I've lost my credit score, all credit cards, no income since January and I have a group policy. Today topped off my bull-hit meter. Not only can not walk properly I found out I had Lyme disease mono and 3 spots on brain. Plus bank picked up truck in the middle of Florida calling people to evacuate. Now I have no transportation, No money, No hope. But I said to myself 4 years ago I'm gonna get short term disability to protect myself since I'm on my own. A lot of good that did me. I'm devastated. My prized possession was my Ford truck and now she's gone. But I bought payroll insurance just in case something happened to me. If you plan on helping me there is no time better than now. Cause I have nothing left even though I thought I protected myself.

      Mutual of Omaha Disability Insurance
      Mutual of Omaha Disability Insurance
      Pinned

      Hello. Thank you for taking the time to provide a review. We'd like to look into 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.

      Installation & Setup

      Reviewed Aug. 10, 2023

      Came down with a short term disability. They asked for medical records, all of which my physician provided. Their conclusion was that nothing was wrong with me as there was no record of illness during the time the doctor said that there was. Follow up appointment, asked my physician to send new copies and he did, which they again ignored. Now my employer is appealing on my behalf and I have to go through a third set of documents to prove what they already know but chose to ignore.

      Mutual of Omaha Disability Insurance
      Mutual of Omaha Disability Insurance
      Pinned

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

      Customer ServiceCoverageStaff

      Reviewed July 22, 2023

      Went on leave end of April. My HR and myself Sent all the documents requested. Never got update anything. Reached them, they asked me to send the documents again. They kept telling me it was under review, then I was told to stop reaching them for update, that they will reach me. From May l, I only got a mail beginning of July saying it was still under review. Both my doctors said a specialist was supposed to reach them to review my diagnostic, they schedule calls but never reach and didn’t apologized.

      Didn’t get any compensation Since the date I left. End up in really bad spot financially. To find out last week that the specialist without talking to my doctors came with the conclusion that I won’t be covered. (My company change disability insurance last year, from Sunlife to Omaha, prior the changes, my coworker never had issues… Now that I am seeing all the reviews I understand) If you have Mutual of Omaha, make sure you have a good saving before applying.

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      Verified purchase
      Customer ServiceStaff

      Reviewed June 15, 2023

      My husband has moderate degeneration in his lower neck that causes his arms and hands to go numb at random. Our doctor took him off work and my husband applied for disability payments. We got one payment and then it went to medical review for further payments. My husband would call to see what's going on, to be told it's in review and it will be available on 'X' (date) and he'd call only to be told the same thing this went on for 2 months.

      My husband finally hears that he's denied because our doctor "never called them back" and his records don't show enough loss of range of motion to justify him being off work. Our doctor, whom we know and trust, tried calling and could never get through to the lady calling him. Our doctor has NEVER dropped the ball in the 8 years we've been going to him.

      We can't live on $0 when I'm disabled. My husband pays for this and as a diesel mechanic, is expected to lift heavy parts, drive a manual 18 wheeled missile with arms and hands going numb? That sounds like career suicide and vehicular homicide if his arms and hands go numb when he's test driving a truck! His employer will not let him come back unless it's no restrictions and until an MRI is done to determine if he needs neck surgery, his doctor will not let him go back to full duty. If his Employer Wants him to get paid by you, and they give you their business, that has to mean something! No money means no food, bills don't get paid, he won't even have fuel to start going back to work. If you Google Mutual of Omaha, there are lawsuits regarding claims denials and tolling. I recommend using a lawyer if you try to use these guys.

      Mutual of Omaha Disability Insurance
      Mutual of Omaha Disability Insurance
      Pinned

      Hi, T. Thank you for taking the time to provide a review. We'd like to look into 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.

      Reviewed April 26, 2023

      I was injured at work and put on leave July 2022. I received short term disability for 90 days at a rate of $344.75 a week. Plus my work comp pay. When they rolled me over to long term my pay decreased to $261.65 a month. What the hell happened there? Anyway in April 2023 I lost my work comp pay of over $2000 a month. Well I let Mutual of Omaha know and sent the paperwork in and they told me that my monthly income would not change. What a kick to the stomach. Now after getting behind in bills on work comp and ltd I'm gonna lose everything I own because they won't give me that offset to where I should be to try and save everything I have worked so hard for all my life. YOU PAY IN BUT GET NOTHING IN RETURN

      Staff

      Reviewed June 2, 2022

      I submitted my claim for short term disability in Oct 2021 it is now June 1 2022 and all I have received is a headache, dealing with this incompetent company. They not only "forgot" about me, they have cherry picked from all the information I have provided to fit their reason for denial. They did not check with any of the doctors who would have supported my story. They denied me, delayed payment for my medical records, when I appealed and neglected to communicate with my doctor in a timely matter during the appeal process. They reached out to my doctor for another review, when there has already been plenty of reviews. And when my doctor tried to make an appointment with them, mutual of Omaha have still not contacted them after 15 days. They are incompetent at what they do. I cannot warn you enough not to get involved with company, if you don't have to. How do these people sleep at night, knowing they screw people over day in and day out.

      Mutual of Omaha Disability Insurance
      Mutual of Omaha Disability Insurance
      Pinned

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

      Reviewed Jan. 6, 2022

      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.

      Customer ServiceCoverage

      Reviewed Nov. 17, 2021

      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.

      They questioned why I hadn't seen my Dr.'s since July when the file was claimed well no insurance since my company let me go. I was diagnosed with a mild/moderate cognitive impairment and was basically told when diagnosed that I should go back to the diagnosing Dr.'s if I noticed a decrease in my skills.

      Even today writing this my friend is basically putting everything into writing for me as I am unable to do so while making sense. Very disappointing as I am having to sell my home and go live with my sister for her to help me. I could go on and on but I think you have the picture.

      Mutual of Omaha Disability Insurance
      Mutual of Omaha Disability Insurance
      Pinned

      Hi, Dee Ann. 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