Mutual of Omaha Disability Insurance

I filed my claim on a Sunday as my doctor had decided to put me out for three months to get me the treatments I needed. I went to the office the following day to discuss the fact I was going on STD and was notified the company decided to take my position in a different direction and let me go. Mutual of Omaha is now saying I had no lost wages prior to termination and that I have no claim. My disability was clearly documented and known before my termination by my employer and my claim was recorded and accepted prior to my company terminating me. I am a parent of 6 special needs children who I am trying to make sure are taken care of but the actions of MoO are making things so difficult to do. MoO, I am completely astonished at your actions.

While I finally dealt with the aftermath of my situation by seeing doctors, therapists, and filing a report with the police, my employer suggested I take leave to focus on self-healing and gave me the paperwork to file for short-term disability. I did have issues with the hospital releasing my records due to several people entering information incorrectly. Once it was sorted out, my records were released and MoO had the information they demanded which included all of my mental health records. I didn't like releasing all of my records and Dr. notes regarding my mental health, but I didn't feel I had a choice if I wanted to have my claim accepted.

I tried several times via email and phone to reach my agent but she would not respond to any of my attempts. The only person she would respond to was our HR facilitator. I am still waiting for my official notice, but my employer has been informed that my claim was denied, but only because of several calls and emails. Even then, the information that was relayed has not been consistent (agent says they will call me, but they never do). My employer is so fed up with the lack of communication, lack of professionalism and lack of care, that they are now looking elsewhere for their disability insurance. At least my employer cares how their employees are treated. It doesn't help me much at the moment. I can honestly say the only insurance company worse than Mutual of Omaha is Cobra, and that isn't saying a lot.

I have found my agents to be professional and timely in returning my calls, helpful and empathetic to my case. You do have to play the waiting game but from my perspective most of that falls to the medical community taking their sweet time getting information back to MOH. I even had an issue with my employer getting their information in, but with some prodding from me it was finished. Remember that it is OUR responsibility to make sure that MOH has what they need, and to help them get it. It is tough to do, especially when you are sick or injured but we all need to recognize that some of responsibility of getting our claims paid does fall to us to make sure to follow up with our doctors and others that have our information. Good luck everyone and don't assume that you won't get your claim paid, I have found MOH to be very fair.

After short term was over they turned me over to long term claims and here is where the nightmare has begun. I received a call from a gentleman named Jack ** telling me he would be handling my case. He has been rude to me, he has yelled at me, he has belittled me, he has told me I'm incompetent because I responded to his same email three times because their secure email server will time you out if you don't send it quickly enough. He screwed up paperwork to all of my doctors to get my medical records and even told me he paid these facilities to receive these records and in fact they did not, I even had to pay for one record myself without any reimbursement.

Now here is where it really gets crazy. So my wife has also worked for orange lake for 10 years and is the top producer for the company so every year orange lake pays for the top producers and spouses to go to the hard rock live at universal in Orlando and they have done this for over 10 years. My wife won a huge award and also received a really nice monetary check with it. Just because I am not working for the company does not mean I am not going to support my wife in her achievements. This awards concert was last night. So this morning at 10:30 I received an email from Jack ** telling me he received information that I was at a concert until 1 am and why was I filing a disability claim if I were able to attend a concert where people usually speak... Well I am not a mute and I did not know I had a curfew and needed to report to Mr. ** when I attend any social event.

I cannot maintain my voice for prolonged periods of time. I'm pretty sure this guy seen pictures and videos of the awards concert from social media which is fine. Here is the issue, I have been harassed by this gentleman and me attending my wife's lifetime achievement awards banquet has absolutely nothing to due with my medical issue and having damaged vocal chords that's medically documented. You see I went from making $250,000 a year to getting a small $1200 a week check. My wife made over $400,000 last year and for this guy to belittle me and minimize my medical issues has really got my wife on a rampage now especially after ruining her night when we woke up this morning. What this guy does not know is that my wife is very high up in the company and she is going to file a personal complaint with her HR department Monday morning.

Everyone at orange lake has Mutual of Omaha and they are the founders of Holiday inn. Which is a very large account for Mutual of Omaha. There are a lot of friends and employees watching what's going on with my case to determine whether or not it's worth wasting their money with this company if they do not pay for legitimate claims. The other thing is that we are far from broke and come Tuesday morning I will be contacting an attorney to handle my case from here on out. The way I have been treated by this Jack person is completely unprofessional. It seems I am not the only one having these issues. I had no idea I had to report to this guy each and everything I do something social basis but all of my medical documentation says I am unable to use my voice for long term use. Now I am being stalked and I am very uncomfortable.

They look for every reason to prolong and not to pay your claims this is why they were number 347 in Fortune 500 last year. The less they pay the more they make. This guy Jack ** should not work in a position where he deals with people at all. This whole thing has caused me anxiety and stress and I can assure you after what I have been through with him I am going for more then the claim when I talk to my attorney. This man has actually yelled at me on several occasions. I hope they record their conversations because from here on out I will.

Please please beware before you choose to take a policy out with them. By the time my wife is done with Human Resources Monday they may be losing 25,000 other policies too. My wife has a tremendous amount of say at orange lake holiday inn. They respect her opinion because she is the top producer for the company and if they feel in anyway her life at home is distressed due to what they have put me through, they will make a change to make her happy.

I filed a claim with this company United of Omaha Life Insurance company and they covered my lost pay at first. But they stopped paying in Sept, 2017. I lost my job over this injury because I was not well enough to come back to work on time and they said I would not be able to work while I am taking narcotic pain medication. There is no way I could function without it - the pain is just too much and it still hurts while I am on medication so I cannot imagine how it would feel if I did not take any at all. I cannot stand on my leg more than 30-40 minutes. I can't sit at a desk for longer than an hour or my knee and leg begin to swell and the pain gets worse, and yet this company denied my dispute and told me that I should still be able to work with this injury.

I don't think any place will hire me once I explain that I have be able to sit down and elevate my leg frequently and that I cannot stand or walk and if I sit, I need to lay down with my leg elevated, and lets not forget, I must be able to work while taking strong narcotic drugs- and this company denied benefits?? After reading other reviews, I think this company just denies everyone, they don't want to pay claims. I called an attorney today about this and I am going to let them deal with this. I am also sending them copies of this review because I want them to see that I am not the only legitimate claim that this company is refusing to pay. It is absolutely ridiculous.

The representative at the hospital had to verbally walk the customer service Rep at Mutual of Omaha through the download process on their computer out of their queue. Which is ridiculous to me. After 7 weeks of being off work on medical they tell me it will be 5 business days to review which is now 3 days before Christmas. I called daily to be told it's still in review. I left messages for my worker which I did not receive a return call. I finally asked for a supervisor which called me back in 24 hours. He told me a review was underway, and my condition may not be supported or qualify for benefits. 2 days later that was the determination, and I was told I could appeal. I have a medical condition, and doctor evaluation with a supporting note, and premiums paid on time for 3 years... however their staff doctors did not support my claim. An appeal is currently in the works.

All the paperwork was submitted by my manager and my Oncologist office. I received one, only one phone call from Mutual of Omaha Disability Insurance representative at home to ask how I was feeling. Frankly I don't remember the conversation but I know it was not lengthy since I am still suffering from Chemo Brain. Today after 6 years, I am still unable to work because of my compromised immune system and chemo brain. I am unable to attend a church and no longer socialize. Last time I went out to eat with my family, I end up infectious virus and spend weekend at the hospital.

Yet, Mutual of Omaha Insurance sent a letter saying followings: We have completed our review of your appeal for long term disability benefits under our policy. We are upholding the denial of your claim and no benefits are payable. Able to perform at least one of the material duties of your regular occupation and yet You are unable to generate current earnings which exceeds 80% of your basic monthly earning due to same injury or sickness. Isn't in contradiction?

I was fortunate that that Social Security had a cancer as one of compassionate allowance list. Yes it was very depressing that I am unable to work but it was good decision and save myself a dignity because my brain is not same as use to. I don't have to feel guilt about calling in sick or risking my life and others by driving to work.

I still cannot read a book or watch a movie because I have trouble following the story or remembering what I just have read. I have to write everything down because my short term memory is almost non existent. Every time I run an errand to bank or to the grocery store, I will be sick for next 4 days because my body is fighting whatever was going around.

My former employer was also puzzle and question of having this insurance for their employees because they can clear see this was exact reason they have obtained this policy. All we saw was their greediness to write a policy but not follow up on their obligation. You are asking why now? Well because my foggy brain is less cloudy this days and I am still angry about them getting away with their negligent practice. I have grown up with watching their sponsored nature programs. I always thought they are one of the best companies around. But boy I was wrong. How can they justified denying a disability claim to a cancer patient who have endured two years of chemotherapy while working until body gave out. What is the purpose of your policy if not for situation like mine? I will ask everyone who will read this? Isn't it scam? They are not much different from scam artist.

I knew I was unable to work and only had enough savings to survive for a limited amount of time. I had heard horror stories about people's claims being denied. These stories seemed to all be confirmed when I did research on Mutual of Omaha Long Term Disability and read negative review after negative review. Needless to say my stress level was out the roof. This brings me to the reason I felt compelled to write a review. Mutual of Omaha followed the timelines outlined in my policy to the letter.

In my claim I pointed out that I had used several of my personal days off due to the condition that cause disability. My claim was approved on first attempt. The start date of my disability was adjusted to give me credit for the personal days I used. I receive the direct deposit like clockwork and the yearly cost of living increase came through with no effort required. In 14 months they have requested 2 periodic updates which require my doctors and I to complete a couple pages each. To wrap this up, if you are reading reviews because you have or are in process of filing a claim. THEY DO APPROVE PEOPLE.

Sixth week called, still no records. Why am I paying a higher premium when there is no check?? I called agent, no return call. Seventh wk, finally received records. Going to underwriter, really?? Where is my $$$? Called agent again. No return call. Now past two months. This company is HORRIBLE!!! STILL WAITING!! RIDICULOUS. Never have had this service with any other company. Do not waste your time looking into insurance with this company. I am doing you a huge favor. Please listen to me.

It is from this time to present that I speak on his behalf of any doctors or any officials because my husband's condition is so severe he is unable to talk on the phone. He can not handle driving, has trouble talking face to face with people, and his moods were shifting all over the place. He was diagnosed with bipolar disorder, manic-depression, anxiety and severe mood swings. Since his kidney numbers were looking slightly better, they tried to take my husband off of disability saying he could work, although his psychiatrist wrote in his notes that my husband will most likely never be able to work again. He also noted my husband's constant suicidal thoughts and instances of self-harm. With notes from the psychiatrist and a constant battle with them, my husband was again able to receive long term benefits.

Well a few months later he was denied completely of his long term. We called and said no one has informed or tried to contact us about his disability being under review because we would've provided any information they asked for and they replied with, "long term disability is always up for review". Yet they never contacted me about needing any documents, especially the one the psychiatrist needed to fill out. My husband's psychiatrist never filled out the paper, so apparently this is our fault. His psychiatrist was tired of always having to send over paperwork and repeating the same paperwork over and over again. His psychiatrist said that it just seems like they didn't want to pay my husband anymore.

Their response to my question of why we were not contacted about the paperwork that needed to be filled out by the psychiatrist was, "we cannot disclose that information to you". They told us we needed to file an appeal and send in several different documents, WHICH WE HAVE DONE. Now they are saying they can't make a decision until my husband sees one of THEIR doctors. THEY NEVER TOLD US THAT THAT WOULD BE ONE OF THE REQUIREMENTS.

I don't understand why they are making us jump through hoops and are consistently lying to us! We have done everything they have asked. We are beyond upset we have tried telling them that we are about to lose our home and are 4 months behind on our bills and they replied with, "There's nothing we can do for you". I am going to get a lawyer for us being prejudice and especially for the pain and suffering they have caused my husband and his condition to EXTREMELY worsen.

Super broke now. In debt big time to my loving friends and family. Leaving my home. More than likely no money will be available to hire a lawyer and fight it. I'm furious! Furthermore, why was it OK for them to accept my short term disability claim and somehow find a loophole to deny the long term. They also said we think you're fine, and should be able to work. That's physically impossible. Emotionally and Financially DEVASTATED! I've worked since I was 14, with the exception of a few years raising my kids. Want to hear something funny? I was unable to contact anyone at Mutual of Omaha for MONTHS. No returned phone calls. No emails... No letters. I was desperate! So I decided to email every department at their company. Guess who responded? The IT Department! Omgosh! YOU'VE GOT TO BE KIDDING ME!

The IT dept has better customer service and communication than the 3 representatives I went through later, who accomplished nothing. I was told that it's out of their hands and is decided by medical. I believe that's true. So I realize the reps are at a loss if the other dept.'s aren't doing their job. The general response when I would call to check status was "It's been sent for review with the medical dept". Once that 30 days was over, they again said, "It's been sent through to a medical specialist, for review, again". They had me running all over hell's acre's to resubmit papers that were already submitted 2 and 3 times. Going to pharmacies that I never use, to get print outs to prove I had no medications filled there. Commonplace is for the rep to denied receiving records.

They denied receiving some of my voice mails and emails. They denied receiving a lot of my doctor's submitted paperwork, even though my doctor's office had confirmation transmission reports on everyone. So, I copied everything. I worked so closely with the medical records dept. at my doctor's office, that we are now on a first name basis. We're phone friends now. She, bless her heart, finally printed all of my records back to 2012 and left me a package at the desk. I copied them, scanned and emailed them and sent them certified mail. Never received notification that they had received them via USPS. I could go on forever. Last but not least; they made me feel like a liar, looser and unimportant. I also had representatives that were rude, and behaved as if I was interrupting their day. Good Grief. Shameful! That's all for now...

Then in September 2015, a notification that a medical expert would be sought to review my claim, even though they had both doctors forms and all of my medical records. Then without getting any clarification as to the September 2015 notification, I received notification in October 2015 this month that they were awaiting an explanation and further clarification from one of my doctors that had already submitted records and a LTD form back in July 2015. So now we have gone from early July 2015 to nine days in October 2015 only to be denied by special email, but to be fair, the case worker did call to give me an explanation.

Now I feel that this was stretched out much further than it should have been and I feel as though I have been given the run around and the old brush off. I am sure of the three illness. I have surely someone would not doubt how sick I become, sometimes daily, and really depended on my insurance to help me through this difficult time. Now I have no job, no income and no medical insurance. I lost my car, and am receiving SNAP benefits and will lose my apartment for non payment of rent at the end of this month October 2015.

The insurance person kept asking again and again, we need an MRI. I've had bilateral hip replacements. I can't have an MRI. The insurance person, later, after cc'ing my company HR person and myself, recanted and said that I didn't need to get an MRI just for her. The insurance person submitted all my paperwork to the "nurse" reviewer. Question 1: why a nurse review? It's been 14 business days, and I had to call MO. When I stated my name the insurance person said hello in a voice reminiscent of getting a call from an ex. I said "uh oh". The insurance person stated that the "nurse" had declined the LTD and stated that it was not necessary.

I was asked if my employer had provided for my limitations, I said yes and gave specifics. I was asked about other equipment that I declined with my employer, 1) because for the length of time that I could utilize it, per day, would not warrant the cost spent on this piece of equipment 2) the noise disruption with my group would be great (it's noisy).

I was told, that this equipment information would be passed on to the "nurse" and they would be in touch. I asked why is a nurse reviewing this and not a doctor. I was told, "That's just the way we do things here." Ooooh kay!!! I am not degrading a nurses' expertise as some are more on-the-ball than some Doctors, but the review of something as important as this is should be done by a qualified Doctor in the field of the disability. So there we stand. I was convinced by my HR person to pursue this and it's come back to bite me in the backside. I guess no matter what I'll have to get an atty., if it's for the LTD or workers compensation... as this will probably go to that. I don't know. I will update as I find out more.

According to Mutual of Omaha (MO) they were conducting a "medical review". I asked them if they were diagnosing me. They claimed that their nurse team was looking at my doctor's notes and reviewing my case. After begging, pleading and crying, demanding to speak to a supervisor, I was allowed benefits from October 20th until December 3rd the day of my injection (As if I could jump up and return to work the next day!). I tried to return to work part time (my doctor released me for part time only which she documented and sent to MO) on the 8th of December. After a couple of days at work I returned to my doctor with severe migraine headaches. By the end of that week the nerve pain had returned to my neck and arm. I returned to my doctor and they are scheduling a second injection.

Mutual of Omaha has denied my benefits for part time coverage and have verbally told me that they found nothing wrong with me after their "medical review". They have not scheduled their own doctor (I would gladly go) nor have they considered my doctor's diagnosis and instructions. They say that according to my limited job description I can return to work full time. I reported this back to my doctor when I had to return last week due to excruciating pain in my low back and left leg. X rays have determined that I have two compressed disks and one that is slipping. I had another MRI on Saturday. My Orthopedic had focused on my neck injury initially due to the severity of the pain but now my initial complaint of low back pain has surfaced due to overexertion.

Shame on Mutual of Omaha who have caused me to go into debt with my credit cards. Borrow money to keep a roof over my head and continue to cause harm by making me feel I have no choice but to work. Where are the laws that protect a consumer from insurance company fraud. No one should pay a premium for insurance protecting their income and then be faced not only with an injury but a constant battle to be paid! Still at war... Mental, physical and financial damages caused by the company I paid to give me some relief if I ever found myself in this unfortunate condition! I have passed this information on to my Orthopedic and she has made explicit notes for their next review. At this point I don't know which is worse the unbearable pain I am constantly in for months now or the inevitable financial destruction being caused by nonpayment from Mutual Of Omaha.