Mutual of Omaha Disability Insurance

Mutual of Omaha Disability Insurance

 3.2/5 (349 reviews)

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Overall Rating3.2 out of 5
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About Mutual of Omaha Disability Insurance

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: 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

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Verified Reviewer
Original review: 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 response

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 We look forward to speaking with you.

7 people found this review helpful

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    Verified Reviewer
    Original review: 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.

    2 people found this review helpful
    Verified Reviewer
    Original review: 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 response

    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 We look forward to speaking with you.

    5 people found this review helpful
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    Verified Reviewer
    Original review: Oct. 25, 2021

    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.

    6 people found this review helpful
    Verified Reviewer
    Original review: Oct. 4, 2021

    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!

    Mutual of Omaha Disability Insurance response

    Hi, Kristin. Thank you for taking the time to provide a review. We take your concerns seriously and would like to look into this further. Please email your name, phone number and the best time to reach you to, and one of our customer care associates will be in touch.

    11 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: July 29, 2021

    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.

    Their 2020 profit statement says: “Despite 2020’s challenges, Mutual of Omaha is a financially strong organization that is focused on our policyholders and well-positioned for the future,” said Chairman and CEO James Blackledge. “Our financial strength enabled us to provide COVID-related benefit payments to thousands of customers and their beneficiaries, and our policyholders can count on us to be there when needed.” This is absolute garbage for myself and many others DIRECTLY impacted by Covid and Long Haul/PASC. I'm willing to bet that Mutual of Omaha would never show you the actual statistics for denied disabled people because it would make their narrative look like the ** that it is.

    My denial letter was unprofessional, petty, loaded with inaccuracies, missing tons of information that was submitted, and ignored the main reasons I'm disabled and unable to do my job. It's obvious that it's a bad faith middle finger to someone who is too sick to handle the stress of working with a lawyer. It's obvious that they prey on the weak - just read the other reviews! Joe Biden's administration is considering making those disabled from Long Haul Covid are covered. I'm willing to bet that Mutual of Omaha fights whatever progress is made. How do these people sleep at night?

    12 people found this review helpful
    Verified Reviewer
    Original review: July 13, 2021

    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.

    10 people found this review helpful
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    Verified Reviewer
    Original review: May 10, 2021

    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.

    The demands of what I do every day, requires me to perform my duties in an uncompromised physical and metal capacity. It is my duty to the US to remove myself from performing my daily functions if I feel I have any diminished capacity to operate at anything other than 100%. It's an oath I took when I swore to protect my country from all enemies. The war I happen to fight is in space, and it's all out warfare.

    So, right outta the gate I get a random, unscheduled, mid-workday call from some young guy, Jesse, who tries to catch me off-guard and starts asking random questions about my mental condition and my claim. Mind you, he is no healthcare professional. All too clear his MO is to put me on the spot and get me to reveal things that he can then repurpose into a way to disqualify my claim. Thing is.. I've dealt with these snakes and these tactics before.

    About 4 mins into our call I began recording the ensuing 45 minute conversation of lies and snake oil tactics. The recording is now a transcription that's been notarized. Meaning, it can be submitted as an affidavit to the courts. Ultimately, I submitted absolutely everything MOO asked for to support my claim. I documented absolutely everything as well. Crickets. My claim is an open and shut claim. But I've heard nothing from MOO despite asking this Jesse guy for an update. It's now almost been a year! I will pursue legal action if they don't come forward and do what they sold me on. I hope this can be remediated quickly and amicably.

    Mutual of Omaha Disability Insurance response

    Hi, Katie. 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 We look forward to speaking with you about your claim.

    7 people found this review helpful
    Verified Reviewer
    Original review: March 10, 2021

    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.

    After MONTHS of going back and forth on this claim, they tried to put on me that I "withheld a wrist injury" and that they would not process my claim until I signed a letter about it. Every excuse in the book to not approve my claim. I ultimately threw in the towel on my claim and had my policy rescinded and premiums refunded so I could be done with them and Janisha's rudeness. I will never do business with them again and will recommend against them to anyone asking. Worst customer service EVER.

    15 people found this review helpful
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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:
    Mutual of Omaha Plaza
    Postal Code:
    United States