Mutual of Omaha Disability Insurance

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.

MOO stopped paying me the first week of July and they say that I am able to work but my job is sitting behind a desk. If I have 8 drs stating that they see the issue but don’t know how to fix it and I have had physical therapy and acupuncture and dry needling and nothing works. How can moo drs say I can work when they have never seen my back. I am to get a injection with lidocaine and if I get any relief then they would cut my back open and go in to see what it is. So the bottom line is I had to go back to work because moo stopped paying me and on 8/27/2020 I received a email from moo stating I was denied any more checks so I went from 7/2/2020 to 8/27/2020 with no payouts so I had to go back to work and I only work till the pain starts to get bad. MOO has bad customer service and they don’t care about taking care of the customer. Just like any insurance company if they can get away without having to pay they find any way out.

I am now getting my Congresswoman involved as well as an attorney and whoever else. I am also going to advocate for people like me going thru this. Stay away-they look to deny! Report says I can work with limited hours and with modifications. Company won’t allow me back without restrictions and if I could work, I would. Total waste of the companies money!!! If you want to see my earlier review it is posted on here as well and will soon be shared from the mountain tops. They are playing with my life - I am being forced to vacate my apartment on the 30th and am physically unable to do so on my own and with COVID19 restrictions it’s extremely difficult.

Original Review: Employer offers MOO STD/LTD as a benefit - Got sick in January of 2019 and I opted to not use the MOO Std benefit as the State I live in has their own Disability that we pay into as well and it paid out at a higher rate. Was sick and in and out of the hospital and literally at Dr.'s at least once a week - finally was referred to a Rheumatologist in June and prescribed high dose ** as I had a rash, muscle weakness, mouth ulcers, memory loss joint pain - total exhaustion, shortness of breath and a million other things. Had some testing done but I was already on the ** but my physician saw and knew how sick I was and said that I have an autoimmune issue with a crossover of Dermatomyositis & Lupus. I also had a lyme test come back positive as well so she advised I see an Infectious disease dr.

Before I could get in I had a massive GI bleed and literally almost lost my life in July - ICU , blood transfusions, you name it. While in the hospital I was told I have hypogammaglobulinemia which is basically that I have no immune system to fight diseases which explained why I have been sick with everything the wind blows around and also was told I have Lyme Disease. Had further testing and again because I was on various medications the skin biopsy said possible Lupus/Dermatomyositis but biopsy should be repeated when I am off medications for accurate diagnosis. I was approved for LTD - I have a picc line and am receiving treatment for all of the above and going to the Dr.'s is a full time job. I am unable to drive and there are days I can't walk and all of my joints are affected and my muscles are very weak.

In January of 2020 I was told that my benefits were ending in February as I am self reporting my symptoms and CDC guidelines state Lyme Treatment is 30 days and I should be better and failed to recognize the autoimmune issues. No my infectious disease physician sent a lengthy letter and all of my records, bloodwork symptoms etc. - my file was sent for review to a MOO Dr. who never saw me and said that my position is sedentary and I should be able to return to work. Now I have 3 Dr.'s all telling me I cannot work and that I am very sick and have provided docs. I am in the process of obtaining a lawyer to file my appeal and requested the documents that were in my file at MOO-basically it said that I am being somatic and basically making things up and need psych review.

Again, I have a picc and am on antibiotics and do treatments 3-4 hours a day every day. I am on many medications that most people would not want to take but I just want to get better!!! I can barely get out of bed without assistance. Now my "sedentary" position is that I am a leasing agent at a 316 unit garden apartment community. My job is NOT sitting - I have to stock refrigerators, walk the property and show apartments and climb many flights of stairs daily. 9-10 hour days and many miles of walking. I can't walk from my bed to the bathroom without shortness of breath. I developed a frozen shoulder in December and was told that it isn't lyme related and my 2 physicians stated it is and it is also in the shoulder right above where my picc line is. Also, referred to a cardiologist as the lyme has attacked my heart.

I contacted MOO and advised that all of the tests that I need to do to support my claim are to be done in the hospital and with COVID and my lack of immune system I am going to have to wait for these tests. Provided the docs from Dr.'s stating the tests needed and they could care less - said to send the records and appeal when I have all my tests completed. This is my only source of income and am a single mom and now have ZERO income thru no fault of my own. My car that I cannot drive per dr.'s order is going to be repossessed and am trying to figure out how to move out of my apartment and in with family but I do not have the physical capability to pack or to hire anyone to help me.

Again - reached out to MOO to see if they had any plans in place for people waiting on testing due to corona virus and I was basically discarded. Stay away from MOO at all costs if you have to - they work against you and not for you. I am not a faker, I love my job and am working toward getting better so that I can lead a productive life and feel as though they are Closed minded - sedentary position - carrying cases of soda, stocking refrigerators - filling the water cooler with 5 lb jug of water daily.

I am at the bottom of the barrel and the kicker is my company will not allow me to return to work with any restrictions and my physicians will not clear me. I wanted to stop treatment and go back but I cannot as they state that I am VERY sick and I am not making it up. I have people and dr.'s determining my fate who haven't examined me!! This process is awful and again trying to coordinating while I am so sick and barely functioning. This is a travesty and I am going to shout it from the rooftops to anyone I can and am also looking into filing a lawsuit as well - I have nothing to lose since I am in the process of losing everything already.

I was not able to return to work after 2/8 because I just could not walk or sit, I could barely stand. I was in so much pain. After I went to see the specialist with my results, I was informed that I had a herniated disc and spinal stenosis and it was connected to having degenerative disc disease. I had already filed short term disability prior (around 2/13) because I knew that something wasn’t right and I didn’t want to get behind on my bills. My specialist told me I will need surgery. However, I was already denied for STD because they said that it needed to go through workman’s comp. I explained to my very rude claims specialist that it was not a workman’s comp injury. You cannot turn a lumbar sprain into degenerative disc disease. But no matter how many times I told her that, she kept telling me that it needed to go through workman’s comp first and then if it’s denied I need to appeal it.

I kept calling her to ask questions and every time I called her, she got irritated with me and even argued with me. She even told me on two different occasions that my employer told her that I was a difficult person. I said, "What is that supposed to mean." I asked her what did I write on my report, "I can’t remember." "You know what you wrote." She snapped at me. After reading other reviews, I realize I’m not alone. I would get off the phone crying because I have income coming in and I explained this to her and she said, "I don’t know what to tell you." I even spoke to a manager and when she found out, she said, "Don’t try to go over me because my decision is final and my boss agreed to my decision so your case is denied no matter what or who you speak to."

I contacted my employer and asked to send the so called lumbar sprain injury from a year prior to workman’s comp and was told that they couldn’t do that because it would be fraud. I hate that I am paying for insurance that is supposed to be there for me to use when I need it. They are not there they are just taking from my paycheck every two weeks $36. Yes I still get Health and welfare from my employer while I’m not working $72 that I can use for bills instead of not having any money since they won’t help me.

The funny thing is that most of my other coworkers told me to drop this insurance and get Aflac. I should of listened to them. I truly believe that this company is finding ways to deny and fraud and scam people. They wouldn’t even take a look at my new MRI results or my specialist/surgeon as I am scheduled to have surgery on 4/29 or allow him to tell them that this is not connected to a lumbar sprain. Wow!!! Thank you Mutual of Omaha... You have done nothing but turn an already bad situation into a worse situation. I hope you sleep well knowing you make someone cry at night wondering how they are going to pay their bills.

I received 3 checks then after that it all went downhill. I have had 3 different case workers(none of them have ever returned phone calls). They all ask for the same thing over and over again. I have been approved for Long Term SSD at this point and they still are saying they cannot pay any further. Its been 7 months since our last check and as of this morning we have discussed with an attorney and we were that we do have a case and that this is common for this company.. If you are thinking this company will benefit you when you have a serious medical anything and are unable to work... think again. Its been nothing but a hassle.

I am not then or now able to work. I applied for my short term benefits and was asked for additional office visit notes etc., and this has gone on and on since August without a payment. Not a dime since August. The nurse review was not conclusive and then they forwarded my case to a MD review who stated I was able to do my job even with the 3 cervical herniated discs in my neck. 1 thoracic herniation and 4 lumbar herniated discs with extrusion and nerve impingement on the sciatic nerve affecting both legs and numbness in right foot. I walk with a limp and cane. I am not able to work due to constant pain and depression due to pain. Now add lack of money to equation and I am overwhelmed and no one at Mutual gives a crap.

My claim rep was uncaring and dismissed my every call. I was told by her and a supervisor they were doing all they could but I find that SO hard to believe because my case was in limbo for 4 months and I have exhausted all my savings. I am now facing foreclosure and have been dropped from my car insurance for lack of payment. All because Mutual of Omaha won't pay the claim and they refused to help me.

I have paid into the short and long term disability plans at work for months and now that I need the benefits Mutual won't pay and that is NOT RIGHT! I NEED MY PAYCHECK AND THEY SHOULD BE HELD RESPONSIBLE. Mutual of Omaha is the worst. I was told my 3 Dr's were not cooperating with the reviews, but all 3 stated they were never contacted. My reviews were not performed in a timely manor and I was not given the benefits I need and now I am financially in ruins and still in tons of pain. I hope my attorney will get me the closure I need.

Original review: Filed a claim with a job after being in the hospital for almost a month (still in hospital). They first said payment would be paid out 14 days after start date, but that was a lie. They claimed my HR department needed to send papers and my HR person said they would resend them. Claim rep assigned to my case talked to me and didn't tell me she would be out of the office on vacation for a week. When I called back the next day, she was gone and the lies continued. One rep said it's still being processed and any rep can finish the claim with the other rep out. Another said they're missing paperwork from my employer. Another said they set up a review 2 weeks down the road but they needed the additional paperwork.

My HR department called and they told them they had all the paperwork they needed! Called them again and they claimed stuff was missing and my HR called on my other line and so they heard them lying and went off. The rep said only the main rep could look into it and he couldn't dial an outside number to reach back out to my HR. He wouldn't give his extension and claimed paperwork was missing. They are lying and my husband was so fed up he called an attorney friend to seek legal action. I hope they get it right fast because hubby is working on filing violation of civil rights lawsuit (his background is Criminal Justice) and he's been looking up case law and stuff since.

I figure once the federal OCR reaches out to Omaha they'll get their stuff together. I just hate being lied to. Wish I didn't have to go through this, all from a hospital room. So yeah zero stars if I could. *It's sad that all the reviews say the same thing and Omaha has the same response, email us. Why!? When we can and get the run around, why would you want a paper trail of the same lies that you tell us on the phone? That's just solid evidence for anyone to take to court. Smh.

I filed all the paperwork with MOO. Unfortunately their offices are on the east coast & I live in California. It proved impossible for me to contact my claims representative because she was off at 3 p.m. EST which is 12:00 PST. I asked my benefits person at work to liaison. Next I received a letter of denial from MOO that was full of mistakes. 1st it read I wasnt employed during the time I was off, and others. I took time to call MOO on a day off. My rep was gone, so I spoke to someone else left to handle her calls.

As I clarified each reason for denial, she relayed "oh that was a typo." After 2 typos, I asked for a new letter, free of typos to be sent out. We continued discussing my claim, and she told me my claim was denied because I wasnt "globally impaired." And that I needed to file with workman's comp. I called a lawyer, who said my issue was stress related and not something claimable under workman's comp. I asked for an appeal. When I received the second letter, the reasons for denial were completely different. And included new typos. Additional doctor's appointments on my date of birth that I didnt have and supposed correspondence from Oct 2019, when it was only July 2019.

I sent an email saying I had contacted legal council, which conveniently generated a telephone call from a representative in California at 4:45 p.m. PST. During our conversation she asked about a past workman's comp claim, unrelated to this absence. She also spoke about my case not having evidence of "global impairment" and she stated I could have worked my job during the episode of my condition, because she had suffered a similar family crisis and she remained able to work, although my licensed medical physician apparently felt otherwise.

MOO also questioned my medical group and my physicians professional course of treatment. It was explained to me that the course of treatment, or rather the lack of pharmaceutical interventions & psychotherapy in my medical record further caused my denial. I told the rep, I am not a doctor. I dont know why or why not my doctor's course of action wasnt different. I also mentioned I don't think I could have had another item added to my plate during the time of my illness and that I don't like taking pills. My doctors course of action worked for me, without the need of medications & psych mumbo jumbo. She went on to tell me my doctor's course of treatment would have likely been supported through California Disability insurance. My guess is my doctor probably thought I had state disability, and not some other group insurance requiring piles of additional costly testing, therapeutical interventions and pharmaceuticals.

This telephone call continued. She also alluded to any claim I would have only been eligible for 30 days. Which I reiterated, "you mean I would only be eligible for the first 30 days, when I was off almost 2 months?" She told me I understood correctly. After review of my policy, there is a 30 eligibility requirement, meaning I had to be off 30 days before qualifying, conflicting with that telephone conversation.

As our call ended, I was told my claim would be reviewed by a independent 3 party, to which I asked (in writing) if there was a list I could choose from to make sure they were unbias. My request via email was declined. My last correspondence from MOO says this 3rd party reviewer has also denied my claim. And more typos. This DO reviewer used my physical exam on the last day of my time off. The day I returned to my doctor and was released! Of course my condition on that date wouldnt support my need to be off the prior 2 months. I was 110% better. And included a note of supposed correspondence from myself 11 days after the date of the letter I was reading..

I emailed the Rep in California, whom I had the telephone conversation with and asked her to specifically indicate the reason for my denial in my policy. She emailed me back and said, my denial falls under the general exclusions, item g) an occupational Sickness or Injury, unless You do not receive temporary workers’ compensation benefits;

I feel like I'm going around in circles here. Honesty, if I could have worked during this time I would have. I had almost perfect attendance at my job, including many additional non contracted hours that I've worked. I am stuck with this group policy because my work doesnt give me the option of paying into state disability insurance. As a citizen of California, Disability insurance is required for a reason, to protect Californian citizens. This company makes me feel like they think I took off this time for no reason but for the pure enjoyment of having the time off...

The Surgeon placed me out off due to my pain and difficulty walking. I have short and long term disability insurance thru my employer. I filed a claim, Doctor sent all paperwork and my employer filed their part. After 6 weeks I started becoming concerned as my bank account was almost drained. I spoke to a Mutual of Omaha representative several times and was told that they have everything and that it was being reviewed. After 2 more weeks, I returned to work against my doctor's and surgeon's advise because I started falling behind on my bills and was almost completely broke. Was told that I may receive benefits for the 6 weeks I was out of work, but it would need to be reviewed by a board. Well just got a call from Mutual of Omaha August 25th 2019 to say I am denied. It never fails.

I have numbness in my right leg and stiffness in both legs, that prevents me from driving. I can barely sleep at night because the pain is unbearable. I go to physical therapy and have been examined by an Orthopaedic Doctor, as well as a Pain Management Doctor. Both Doctors stated that I have bulging disc and stenosis. Nerves are being suppressed, which in turn, causes the pain, stiffness, numbness, etc. I was really distraught to say the least, that my claim was denied as I waited 4 long months suffering in pain and no income coming in.

They keep asking for more forms to be filled out by us and doctors. Then they turn down the claim because they don't consider her disease a disability. We appeal, they ask for more forms, then they turn it down again. I feel that all this stress has added to the length of my wife's disability. She starts showing signs of improvement, then relapses when they tell her they won't cover the disability. I have talked to a lawyer and he says there is definitely a case. In conclusion, find a different company for your insurance. Don't risk not being covered, when you need it.

Review department is in its third review. I've been off work and under a surgeon's care the whole time. I have exhausted savings paying for COBRA insurance and bills. It is now 2 months since release from workmans' comp. (7-26-19) with no end in sight. Karen ** my caseworker can only check and say it's still in review, her supervisor Eric ** didn't return my calls. I paid weekly for years to cover unforeseen circumstances like this and you've left us stranded. There's got to be a better way to verify and process claims on your part.

I got notice they were taking out $18 for cancer insurance which I declined. How often the withdrawal, I don't know. Now they are going to withdraw $59 for term life insurance. I had already canceled this company more than a month ago. See, abuse with autopay. I didnt ask for term life. I asked for the disability/ death benefits so if I die my home is paid. Now I have to waste another entire break at work calling these people to have that removed. She totally changed everything on the contract after leaving.

This time they are stating that I violated the policy by not being under the "regular, in-person" treatment of a physician. This is nonsense! They are aware of the fact that I did 7 months of intense physical therapy but was eventually discharged because I wasn't improving. The Orthopedic Surgeon discharged me after he determined I was not responding to PT and there were no further treatment options. I then transferred to an MD who prescribes me pain medication and **. However, there is no reason for me to go into the clinic for this pain-management treatment, so I call-in for prescription refills. Because I telephone for prescriptions rather than drive 25 mile round trip and waste the Doctor's time with an unnecessary and expensive in-person visit, M of O is refusing to pay.

The worst part is this: I SPECIFICALLY E-MAILED my M of O claims rep over a year ago when I was discharged by the Orthopedic Surgeon and asked her how often I needed to be seen to meet the "regular, in-person" treatment requirement of my policy. She answered IN WRITING that M of O cannot make that determination, and that the frequency of treatment is up to the treating physician. Now they cancelled my benefits because I am supposedly not being seen enough! So in other words, my M of O claims rep LIED TO ME and SET ME UP for cancellation.

This third appeal is my last effort to get paid before I hire a lawyer. Unfortunately, lawyers take about 1/3, so I have been postponing expensive and time-consuming legal action. If I don't get paid quickly I will also be making an honest YouTube video to describe these shady Mutual of Omaha practices. I have recorded and documented everything (in a completely legal manner) including numerous e-mail exchanges with my FOUR claims reps (YES, they've changed my claim person four times!). Maybe I can warn others to stay away from this group.

No I received a phone call stating a request to review my social security offset. I have been disabled for 10 years. Now I being asked again, after the first 2 years of hell, to review my social security income again. I totally don’t understand why or what is going on? Are they wanting the cost of living increases from social security the past 10 years? The small amount of income they are paying me reduced more????

Original review: Denial for Epilepsy = Complex Partial seizures. I’m no doctor but I’d say epilepsy affects the brain tremendously, even eventually causing damage. Part of the brain is not functioning properly! That part may function to a certain extent but in turn causes the learning disabilities and epilepsy, also anti epileptic meds slow brain waves. I have dyslexia at times. Don’t take my word for it though, the brain is so complex that even neuroscientists don’t fully understand everything about it.

I truly think your nurses and medical staff need to educate their self more on my condition. Partial complex seizures/epilepsy is not a disabling condition??? I need a paper copy of denial letter. I am insulted and very hurt! The EEG should be proof alone! Don't tell me, I don't have a condition, the anti-seizure medicine alone is horrible. If your team of medical staff only was educated enough! Like asked please send me a letter denial in mail, not secured email... Denied! Do me a favor and don't send me an automatic reply about how sorry we are for your experience like all the reviews posted. I HAVE PAID IN FOR YEARS FOR THE STD/LTD TO BE DENIED FOR A SERIOUS CONDITION... Did you know epilepsy kills 50,000 people a year versus 39,500 people with breast cancer a year. Facts. Educated your so called medical staff on my condition! This needs to be fixed, or I will take action.

Mutual of Omaha hired outside medical professionals to discredit mine medical professionals to only stall. Meanwhile I had a multiple level ACDF cervical spine fusion C3 through C7 which of course is a major surgery. While preparing for the surgery I need it to be resting and after the surgery need to be resting. This however was never enough 4 the long term disability Mutual of Omaha. They somehow think that I made this all up. Instead of of helping with the situation believing in this situation they just keep denying. I'm in the final stages of my appeal. They owe me $22,000 this moment and they refused to own up to this policy because it was a physical problem that I had. It was elected then I had previous post-traumatic stress disorder.

He wanted to know my whole life story based on the fact if they were trying not to pay rather than just paying for the disability in front of them which was more than enough for this policy. I paid for that policy and they denied me. I want my money back and the money that they owe me. I don't think that people deserve to go through this malicious evil technique Mutual of Omaha rather than going through long term disability. The United States government should own up. Is there a responsibility to the workers of this country? Why do we have to go through these fraudulent hopeless companies to benefit? I would disability if United States government would listen to the the doctors who are part of the AMA.

We would not have to go through this process of being poor because of the disability that happened accidentally and incidentally I did not do this to myself. I was in an automobile accident which caused me great pain. I work for 3 and 1/2 years until the pain was so severe did it actually drove me to the point of surgery. I should have been commended for my time that I did work trying to get through the process healing the injury I sustained instead I got mental anguish and lies from Mutual of Omaha company. I will not take this laying down. This company should be shut down for their fraudulent acts to defraud the American people.

It's been about a month now that I have not received a payment and it's still under revision. Is there a (revision period) that they have to go by? Or are they allowed to have as much time possible as needed for their case review? This is all time sensitive matter. Also once it is "approved" what is the payment process time form that point? So many steps with no time informed to me. Jessica **.

Now I've had dealings with other disability insurance before. Generally they want recertification every 3 months. Not here, every 1.5 months I had to get recertified from my surgeon. And nobody had any sense of urgency. When February came I had to not only get doctors notes for them (Mutual of Omaha) but then they needed paperwork filled out by my doctor. This process took a month all the while not getting a check. After all was said and done Mutual of Omaha rejected my claim stating I no longer met their parameters for continuing disability.

To date I still have knee pain and pain from nerve damage in my ankle and foot. I can barely walk. Just having my foot in a shoe is extremely painful. The real kick in the ** is I told them that because they and my medical insurance (which got canceled when my employer terminated my employment after 12 weeks out) had liens against my settlement they were getting paid back anyway. My opinion is these insurance companies try to make you think they care. But it's all a big act.

I asked her to stop several times so I could speak, I finally had to use my loud voice to get her to stop being a spiteful...well at any rate she needed more paperwork so we went to the hospital and filled out proper paperwork for MOO to grab medical records they needed. Unfortunately weeks went by with no word from Peggy so we sent a message to figure out what the hell is going on. She writes back and says she cannot grab info she needed, WTH she knew we were going that day to open records to MOO and she just acted like all was well. At any rate we are twelve days away from April and I have a feeling it's going to be another month without a paycheck. Thank you Mutual of Omaha for making my life suck.

Fortunately rather than sending it back the provider allowed me to complete the form authorizing the records be sent to MOO, else I would have had an even longer wait! Then MOO has their timeline to review. An un-associated RN consultant (not a MOO employee as I understand it) reviewed the paperwork and indicated that the forms were filled out indicating that there were "no restrictions". The doctor was indicating that there would be no restrictions when I returned.

Interestingly enough the exact same doctor filled out this same form the exact same way in 2017 when I had to take a leave to take a personal leave and my claim was completed NO PROBLEM and payment was made immediately. MOO then requested more information for which the doctors office sent the same info again. They denied and said I could appeal. Now my doctor has written a full letter as of last week explaining the entire situation. I returned to work on Jan 2nd and still this is not resolved! The appeal states 10-14 days to complete their review.

My doctor's assistant said that the person assigned to my case Tyler would never answer his phone. In fact she got to the point she would not leave a message and would just call him over and over and hang up. I experienced the exact same situation every time I called. The doctor's office was attempting to call to verify exactly what MOO was missing. Literally like playing a game of cat and mouse. Why not write a response from the independent reviewer that states exactly what is necessary to get the claim approved. A lot of assumptions were made by this independent reviewer that simply were NOT truths.

Also why not just have REAL PEOPLE available to speak to REAL PEOPLE on the doctor's teams MOO? I will say when I spoke to Tyler he was never rude, that wasn't the issue ever. He simply was not easy to get in touch with via telephone and I always had to ask for copies of the items we would finally discuss vs MOO just sending them directly to me. Of course I want a copy of the letter! I was limited to "secure email" communication much of the time which just led to more and more frustration on a clear cut STD leave that should have been approved and a closed issue by the first week in Jan 2019 at the very latest.

When I got my appeal letter in January which took 2 weeks to arrive after I was told I was denied by Tyler, a conversation which also took several missed connections, I made a docs appt immediately and showed her. She said that oftentimes the notes are brief so she literally went back and pulled my records and wrote the response in a letter format to MOO last week. If this doesn't work, my doctor has done all she can and my next step is to escalate to get legal assistance.

I was out for BP, anxiety, migraines and syncope issues brought on by work-related stress. Not exactly certain how they think this is helping the issue because it is absolutely stress-laden to deal with this company. MUTUAL of OMAHA this is absurd! The good news is I'm back to work and in good health. My time off was fraught was doctors appts but they figured out the issues and helped me to get back to good health! Now I am just trying to close this issue and get the coverage that I was entitled to during this period of time. I will share my experience regarding MOO with anyone that I ever hear is going to use them.