Mutual of Omaha Disability Insurance Reviews

I filled an appeal with the help of my attorney and have provided more than ample evidence of my illnesses and treatment, my attorney agrees, Yet they are dragging out another 45 days. I have heard that Mutual of Omaha Long term disability insurance is the worse. They will drag out claims and do everything they can to deny them. I think they are harder than government disability. It’s not right. I’m 67 and they are doing everything to avoid paying my claim even though at my age I’m only entitled to 18 months. They are getting ridiculous. The claims handlers are rude and treat you like you're trying to commit fraud despite indisputable evidence of illness.

To be denied by an outside physician because of no recent exam stating I have chronic depression, anxiety and PTSD is crazy. I drained all my 401 to help pay bills, due to be homeless 'cause I have no money to pay my next month's rent and car up for repo because I can’t pay my monthly note. These people have no heart or compassion. I hope none of them or their family members have to go through what I am. Ow I have to stress on money problems too, I was put on leave to get my mental health better, not for it to get worse.

Original Review: May 24, 2025

If you’re having a baby with the typical 6-8 weeks off you’re good to go. But if you just so happen to be one of the very unlucky woman to experience postpartum depression they will run you through hoops to get you covered. I’m one of the those unlucky ladies, and they are running me wild trying to get approved even after my dr said they don’t want me to go back to work until I get my medicine figured out and I’m in a better state of mind. I’ve emailed/called several times and they just kept telling me they didn’t receive the documents. Well after I stood there and watched my dr's office send in the documents I emailed and told them I seen them fax them and the guy FINALLY admitted they got them but would have to go under review. Takes 10 business days for review. For short term it's a max of 12 weeks. My 12 weeks will be up in two weeks and have only received the initial 6 weeks of STD pay. All because they are not being responsive.

If depression isn’t enough let’s add financial difficulties to my plate. My drs have been GREAT and told me they will figure this out with me, but there’s only so much they can do. Woman suffering from post partum depression shouldn’t have to go through this when they already feel like their world is upside down and they are not in a good state of mind. I honestly have thought about contacting a lawyer to see what my options are because I don’t want any other woman to have to go through this while not being able to see the light at the end of the tunnel. It’s not fair. This place needs to DO BETTER!!!

I am at a point where I quite honestly am falling behind on monthly bills and have little food left until my first paycheck, which will not be deposited until 4/30/25,after returning to work. I have reported this to my HR director so that the company can consider other insurance providers for the future. How is this company still in business?

Original Review: I’m an assistant principal at a middle school and submitted PCP notes, diagnostic imaging, and physical therapy records that prove I have the following: multilevel disc desiccation with mild spinal canal stenosis, mild spinal compression at midlevel, straightening of the lordosis, cervical kyphosis, degenerative disc disease (C4–C7), and loss of cervical lordosis. My claim and my appeal were denied.

I called the agent and he said the checks were sent to my old address. I told the agent seriously, I told the agent, "I literialy verified with you over the phone that you were sending it to my new address." 3 days later a check shows up. I deposited it into my account and lo and behold the check bounces. 5 days later I get a check. This one clears. A couple days after that another check. I called the agent and gave him the check number and he said, "Don't deposited that one. We canceled it on our end cause it has your old address." To sum it up in 7 weeks I have received 2 checks and I can't pay my bills. This is the absolute worst experience of my life. Absolutely pathetic.

I left a detailed message for her to return my call once back in the office! By the time she actually returned my call... I was 3 weeks POST Surgery… and no money had been deposited or released by Mutual of Omaha! My bills are starting to accumulate and I’m starting to get nervous! I finally get my caseworker to release the funds owed and she ALMOST gets caught back up… before she decides to take another short vacation again… with Payments Pending… I’m once again at her mercy to pay my rent on time.

Needless to say… while waiting for my caseworker to return from her sabbatical… I received TWO eviction notices!!! Thankfully a friend loaned me the funds so I could at least stay for another month! Meanwhile it’s like they have unlimited vacation time and nobody matters!!! This went on for the ENTIRE experience with them!!!

In fact, I am STILL WAITING for my payments for the ENTIRE month of DECEMBER!!! I’ve just been contacted by my caseworker who… now says that there was a bank error! Funny, I checked with my bank... they don’t have any records of ANYTHING attempting to be deposited!! So... the wait continues... since now it... (according to her) has to be resent! It’s direct deposited.. it doesn’t take 2 weeks to go through!!! Absolutely the WORST experience I’ve ever had!!! I’m not joking… People with this much unprofessionalism or care should NOT be in a position where money is drastically needed while trying to recover from major surgery!!!

I original filled for STD and was quickly approved, However I had to constantly provide MOO with medical forms and reevaluations of my chronic systemic condition. I had to chase down my specialists which were not available and often had my payments withheld until I could provide said forms. Which would routinely put me through financial distress as they were the only source of income I relied on while on medical leave. After having to repeatedly explain myself to multiple reps regarding the stagnant nature of my condition, I was then reassured that I qualified for LTD.

I filled the paperwork and was approved since my condition hadn't improved. The initial relief was being assured that so long as I remained disabled I would be covered by the LTD policy. I informed MOO that my condition was stagnant at the moment and the treatments could take years to show any sign of improvement, So this was a lengthy process. Not to mention a life altering disease! To make matters worse most of the medicine and treatments I was prescribed my body would reject or cause flare ups and terrible side effects, for instance calcium forming in my retinas from one of the steroids I had to take daily. Causing me to slowly lose vision in my eyes after a year of daily ingestion, I had to stop that medication immediately once I saw an eye doctor.

Despite relaying this info to MOO I was told I still needed to fill out these eval forms every 2 months in their hopes my condition would magically disappear and I could return to work. I found myself in a constant state of stress because of these forms. Which of course exasperated my symptoms. Anytime I would speak to a rep which were often unavailable, very rude, condescending, and callous at times, It felt like I would have to defend my condition to them almost every time which was very taxing considering the amount of money I was receiving from them. I was making 2-3 times the amount they were providing me through my own merits before being diagnosed.

If I could move my body believe me ide be out making money not stuck in bed or being bound to my home. I had a very good job which I enjoyed doing and the pay was excellent. I started seeing a Psychologist due to my depressing new set of circumstances. I went from being in a wheelchair to gradually being able to stand again and walk around through intense weekly PT, and severe pain medication. MOO immediately displayed this eagerness to dismiss my case. "So you're all better now right?" Ridiculous. Just goes to show how little they care about people with chronic illnesses they know little to nothing about.

My own specialist is scratching her head due to my condition. I've been undergoing different treatments /medications for 2 years now with no avail. My wife still helps me dress and bathe to this day. I still have days I am unable to move around much and am still very limited. Now MOO is telling me that my benefits are expiring after they promised that so long as I remained disabled I would received my benefits. It's downright infuriating. They force you to apply to Social Security after a year, I knew beforehand that I am too young and no longer wheelchair bound to qualify under the very strict parameters of SSD. They told me I needed to apply anyway or I wouldn't qualify for my own benefits I was already receiving. What??

After going through the painstaking process only to be denied as expected. MOO suddenly tells me my benefits are ending. Since SSD denied me. What was promised to be a long term policy suddenly ends as soon as you get denied from SS?? They're telling me it's in the policy, that it may have been confusion on my end. Unbelievable. They're telling me well now you need to find any job, not even taking into account my evident limitations not to mention my years of schooling and expertise in my previous occupation. I remember reading the policy which specifically said so long as your disability impairs you from performing your original occupation. Not any occupation.

I feel so done with these shenanigans. Be careful of this company. They do not care for their chronically disabled customers. They are actively looking for any reason to close your case and will make you feel guilty for even receiving your own benefits which you paid for. They will make false claims and then redact them.

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.

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.

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.

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.

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.

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?

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.

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.

It is now November 17th and I have been out of work with no pay. I have made 7 payments of 106 to Mutual of Omaha out of pocket. I feel scammed. I don't dare to stop paying them because they could then say that's why I can't receive the benefit. I can only suggest saving your money and not buying insurance from Mutual of Omaha.

I am not sure why Mutual of Omaha lied to me and will not return my phone calls, I felt extremely relieved when I talked with him on Wednesday, I have surgery schedule for the 29th of this month. As if that doesn’t have my children scared enough, we are now facing utility shut off and wondering where will get our next meal, I have contacted a lawyer and submit my claims forms/doctor's info and policy info so if legal action is needed I will be prepared, I am hoping and praying for the best right now, I will update this review as soon as I hear from Mutual of Omaha and give details about my outcome.