Mutual of Omaha Disability Insurance Reviews
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Mutual of Omaha Disability Insurance Reviews
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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.
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.
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.
Reviewed 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.
Reviewed 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!
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 customercare@mutualofomaha.com, and one of our customer care associates will be in touch.
Reviewed 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?
Reviewed 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.
Reviewed 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.
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 customercare@mutualofomaha.com. We look forward to speaking with you about your claim.
Reviewed 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.
Reviewed Feb. 9, 2021
My wife and I recently filed a claim with disability insurance that we pay for with Mutual of Omaha and it was denied despite us having lab work, and hospital paperwork proving her eligibility for the claim. The most jarring part of the experience was when the adjuster said the hospital didn't even recognize her as ever being a patient despite all the paperwork we had sent before. You can have all the proof in the world and they can just say no. I called multiple times, sent many documents and asked for another adjuster. If you're reading this stay away at all costs.
Hi, Jakob. 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 customercare@mutualofomaha.com, and one of our customer care associates will be in touch.
Reviewed Nov. 17, 2020
On June 18th 2020 I could no longer perform my work duties due to extra work (Covid -19 ) load on my body. I had extreme back pain from lifting and moving furniture at the long term assisted living facility I work at. I went to my primary care doc. and she gave me time off and sent a referral to a spine specialist Doctor. I didn't get an appointment until September 1st (everything was backed up due to covid). With multiple calls and x-rays from Doctor MOA said they were declining because many people work with degenerative back problems. I have more than that. I now have had a MRI showing a lot more, pinched nerves etc... I also suffer with Rheumatoid Arthritis. Mutual of Omaha sent my file to another doctor who wants records from my RA doc.
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.
Hi, Sally. 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.
Reviewed Oct. 17, 2020
I have been off work for 4 weeks, I talked to my claims rep on Wednesday, he stated he had all the needed paperwork and he would process it by Friday and call me Friday to get my direct deposit info and a deposit would be made on Monday, I have left 3 voicemails for him on Friday, I never received a call back or a call about direct deposit. When I talked to him on Wednesday, I stated the urgency of payment, that my family and I were facing utility shut off next week and would have to seek help from local food pantries for groceries. He stated To me that I would get my backpay and payment on Monday and he would collect direct deposit info Friday so I would have payment quickly and would be able to pay my utility bills on Monday.
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.
Hi, Don. Thank you for taking the time to provide a review. We’d like to discuss this further with you. 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 Sept. 2, 2020
Hello. I was put out of work by my dr from May 2020 to October 2020 for a back issue. I had a tumor removed in 2018 and ever since then I have had a bulging muscle that over time it has gotten progressively worse with pain. I have seen 7 drs at Johns Hopkins hospital and they all say I see the problem but don’t know how to fix it so I went outside of Johns Hopkins and this dr says possible muscle hernia so my std policy says I have to be out for 7 days then they start paying so I received checks every week but they weren’t paying what they were supposed to so I found it out and they had to back pay the difference. So I have had 7 different nerve blocks and none have helped. I can’t drive no longer than 20 minutes and I can’t sit or stand so the only relief I get is from lying down.
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.
Reviewed July 28, 2020
I have chronic variable immune deficiency which places me at severe risk to develop COVID-19 with disastrous consequences. My immunologist notified me in March that I needed to leave my healthcare provider position ASAP. MoO determined that I was not disabled because there is no mental or physical reason that I can't do my job. Half of my work department became infected with COVID providing patient care. Returning would have killed me.
Hi, Majorie. Thank you for taking the time to provide a review. We'd like to investigate 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 June 19, 2020
I have LTD INSURANCE in case something happens to me.. I had go through hell to get all the info they wanted. Had wait 180 days to even get it and now not even 6 months yet and they want me do it all again.. How is this peace of mind for me? And now they are trying push me on S.S.
Hi, Angel. Thank you for taking the time to provide a review. We take your concerns seriously and look forward to hearing how we can better serve you next time. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com, and one of our customer care associates will be in touch.
Reviewed June 15, 2020
I get a call from their agent every 2 weeks or so. I had a massive heart attack on March 5th.. They have been paying as the contracted agreement, however today I received a call stating I have been released to full duty of work. I have not been told from my primary physician or cardiologist any of the sort.. I haven’t even received a list of my restrictions, I cannot imagine that the type of heart attack I had V FIB would release me with no restrictions.. I will be withdrawing my weekly contribution to this company the moment I am back to work.
Hi, Scott. Thank you for taking the time to provide a review. We are sorry to hear about the poor experience you are having. We take your concerns seriously and look forward to hearing how we can better serve you next time. Please email your name, phone number and the best time to reach you to customercare@mutualofomaha.com, and one of our customer care associates will be in touch.
Reviewed April 4, 2020
Updated on 04/23/2020: I wrote a previous review and was contacted by Mutual of Omaha who advised me that they were going to do an independent peer review - not with previous Reviews. I received my review and was still denied!!! Funny same company did peer review and that is not biased? Why would a physician in same company go against what a previous Doctor recommends.
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.
Hi, Heather. 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.
Reviewed April 1, 2020
I obtained STD/LTD through my employer with Mutual of Omaha. On 04/19 I obtained a lumbar sprain that may or may not have been work related and I did not file workman’s comp. I was treated and had an MRI that revealed I also had mild degenerative disc disease and mild osteoarthritis. I eventually got better but had what my doctor thought was a flare up in September. I was placed on a forced medical leave by my employer and went to a specialist. At this time, the specialist reviewed my imaging and recommended a spinal injection; which I received on 10/3/19. I continued to have issues with balance and walking and returned to my doctor's office. I went to see a chiropractor twice; which made it worse, I went to physical therapy that didn’t help and I had a total of 3 steroid injections one on 12/23, 1/10, 2/17. At this time the doctor recommended that I probably needed to have another MRI and see the specialist again.
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.
Hi, Lana. Thank you for taking the time to provide a review. We’d like to discuss this further with you. 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 March 24, 2020
I've been out of work since I've been 31 wks pregnant due to my high risk pregnacy and lack of accommodation from my employer who finally admitted they could not accommadate my pregnacy so I was taken out of work. I am now 35 wks and still no payment from this company. They said they need medical records so I have them faxed.. Now I'm being asked my due date and being told I can't get a check until I give birth.. Wait a minute I'm out of work due to lack of accommodation from my job. Why should I have to wait until I deliver... I have an analyst that refuses to return phone calls. Just the worst... I need my CHECK!!!!
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 March 11, 2020
I have been out of work for over 12 months due to my 3rd back surgery. I have a deteriorating back issue and have regular visits to pain management, and my primary doctor for ongoing pain due to nerve damage etc... After the 90 day waiting period It still took well over a month to receive my initial claim paperwork. Once received, it took a couple months to get my first check...
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.
Hi, Joseph. Thank you for taking the time to provide a review. If you’d like to discuss this further, we’d like to listen. 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 Nov. 21, 2019
I fell in my home on my day off and I re-injured my back on 08/08/19. I went to work on 08/10/19 as scheduled but the pain was more than I can stand. I tried to go to work on 08/11/19 as scheduled but could not walk causing me to fall again. I saw my MD who put me out of work and ordered Xrays, MRI and consults with ortho and pain mgmt specialist. I have been under constant medical supervision since August.
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.
Hi, Rhonda. 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.
Reviewed Nov. 4, 2019
Updated on 11/10/2019: Been trying to get this resolved for over a month now. My rep went on vacation and after back and forth between my job's HR and customer service they replied after I left a complaint here. Then lied again and said that they mailed a check. Little do they know I have informed delivery and I see every piece of mail that gets scanned by USPS before it even gets on a truck in route to me. So even though I told them that I would be evicted if the check didnt show by today they claimed they mailed it. So Monday I'll be getting evicted because they continually lie. I'm going to get legal counsel as the emotional distress is too much and they are responsible as they had all my paperwork in on time. I've been out of work over 30 days and claims are supposed to pay put after 14 days. Smh. Wish I could convince my job's HR to switch companies. As usual they'll respond and ask me to email them but it won't resolve anything
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.
Hi, Roxanne. Thank you for taking the time to provide a review. If you’d like to discuss this further, we’d like to listen. 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 Sept. 2, 2019
Conflicting information. Lots of typos in correspondence. My elderly parent had a stroke & was hospitalized. I am the only living kin. I went to work and struggled through 1 day. The second day I had a mental breakdown from depression, stress, lack of sleep and anxiety of trying to do everything with no support or help. I couldnt safely do my job. I left early and called my doctor's office from my worksite parking lot. I could barely talk through the tears. I got lost on my way to my regular doctor's office, I probably shouldnt have been driving. I was seen by my doctor, who put me off work for approx 2 months. I returned to work as planned, after revisiting my doctor on the final day of leave.
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...
Hi, D.L. 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.
Reviewed Aug. 30, 2019
In June 2019 I was just walking at my job. Suddenly I couldn't walk anymore. Both of my legs became weak and had to hold onto a fence to prevent myself from falling. The pain was horrible and was pulsating down both of my legs. After seeing my doctor, she ordered x-rays of both hips and my back. It was found that both of my hips were severely damaged and I was referred to an orthopedic Surgeon. During the consultation with the Surgeon it was explained to me that my hip joints (right hip being the worse) were completely shot and I needed surgery to replace them as quick as possible. The weakness and pain in my legs was caused by my sciatica nerves becoming inflamed from the joint damage.
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.
Hi, Brian. 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.
Reviewed Aug. 29, 2019
I spoke to the rep yesterday afternoon and was advised that my claim was denied. I spent 4 months without receiving any income. I kept requesting for follow-ups because it seems as if the rep kept dragging his feet on my claim. I had slipped and fell back in November and injured my back. My injury has progressively gotten worse, to the point I had to use a walker and cane to walk. I have constant pain in my lower back that goes all the way down to both legs, groin area, hip, and my feet.
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.
Hi, J. 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.
Reviewed Aug. 21, 2019
Month of June-2019 I had a very bad lower back pain and my Dr give some time off work. I did send all the doc and form to Mutual of Omaha. Everything was fine. I got paid after I went to my Doctor again and he give me more time because of my lower back pain. I did send all the info they ask from me and my physician. And the game started from early August-2019 till now. I call (Emily **) and she is making all sorts of excuses and I don't know why after reading all the reviews it looks like they don't want to pay.
Hi, Ahmad. 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.
Reviewed Aug. 12, 2019
Unless you are having surgery, or something where there is no question you will be disabled, chances are they won't cover it, or you will have to fight them to get reimbursement. My wife got an autoimmune disease which makes her weak and she sleeps a lot. She has not been able to work for five months now. What she has, takes about 6 months to cure. Short term disability was supposed to cover the first three months and then go to long term. We and the doctors have completed every form they have requested.
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.
Hi, Eric. Thank you for taking the time to provide a review. We'd like to discuss this further with you. Please email your name, phone number and the best time to reach you. We look forward to speaking with you.
Reviewed July 26, 2019
I had severe nerve pain in right arm, elbow, wrist and fingers. First surgeon insisted it was carpal tunnel. Had surgery 3-8. (Was covered by workmans' comp.) Did not fix problems. Was released and referred to spine surgeon 5-23-19 (personal medical insurance). MRI showed moderate to severe stenosis, surgeon says I have a slight agenesis of the c6 pedicle, I will also need 3 or 4 vertebrae fused. Have been unable to work and lay flat in bed. I have to sleep upright in a chair to relieve pain.
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.
Hi, David. 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 customercare@mutualofomaha.com, and one of our customer care associates will be in touch.
Reviewed July 18, 2019
I asked for disability insurance where if I died or became disabled, Mutual would pay my mortgage. An agent came to my home and seemed vague if Mutual would accept me or not. Demanded that Mutual only auto drafts my account. The agreement was a $99 package deal. She changed everything after she left. I expressed concerns cause with autopay even though it's "easy for the consumer " as she stated, it's often abused by companies. They do and take what they want.
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.
Hi, Barbara. 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 and one of our customer care associates will be in touch.
Reviewed June 24, 2019
My experience started off well, however when I had to apply for an extension, everything went downhill. It's unfortunate that as person with a disability I have to fight just for consideration and decent treatment. I don't have any more savings. I need this extension. I was met with a condescending nonchalant attitude. I believe denial is just a forced habit to save money.
Hi, Eboni. Thank you for taking the time to provide a review. If you’d like to discuss this further, we’d like to listen. Please email your name, phone number and the best time to reach you. We look forward to speaking with you.
Reviewed June 22, 2019
Thank God we have savings and weren't depending on Mutual of Omaha to buy groceries or my family would have starved by now. I have an undisputed and well-documented (Orthopedic surgeon & MRI) back problem/injury that prevents me from working my truck driving job. M of O initially paid me without much difficulty, but it has gotten progressively harder and harder to get benefits. I have successfully appealed M of O twice after they cancelled my benefits (both cancellations were groundless), and I am presently appealing their third cancellation! I haven't been paid since November of 2018 even though my condition is unchanged.
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.
Hi, Pete. 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. We look forward to speaking with you.
Reviewed June 17, 2019
My company switched to this company recently and I’ve had nothing but headaches. First they denied two injury claims: one because 12 years ago my husband had a back injury, bo problems for 12 but it’s a “preexisting” condition and the other was “not an accident” (a sprained ankle). Now they have taken over a week to pay another claim to me. First they said it was approved, then they needed more information. Then said I’d have it in my account within 72 hours. It’s been longer than that. Don’t do any business with this company. They are very shady and full of excuses.
Hi, April. 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. We look forward to speaking with you.
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