Mutual of Omaha Disability Insurance
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Mutual of Omaha Disability Insurance Reviews
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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.
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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 firstname.lastname@example.org. We look forward to speaking with you.
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.
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.
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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 firstname.lastname@example.org, and one of our customer care associates will be in touch.
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 email@example.com, and one of our customer care associates will be in touch.
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.
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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.
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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!!!!
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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.
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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.
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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.
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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...
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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.
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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.
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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.
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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.
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 firstname.lastname@example.org, and one of our customer care associates will be in touch.
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.
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.
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.
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.
I had Disability insurance with Mutual of Omaha through my employer. I have serious heart disability and was considered for a heart transplant. Currently my heart works less then 50%, I’m diabetic requiring 2 shots a day, and other medical issues. I find it difficult to do the simplest activity. I sleep most of my day. However, every year and under a tight time requirement, I have to try to get paperwork to my doctor to be completed.
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????
Hi, David. 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.
I was approved for short term disability and was paid by my employer. When the time came for the long term disability to begin I was approved. But MOO stated they have to do more research and get more info about my condition. I was already on six months of short term disability and they took another three months to tell me I had a pre existing condition.. which is impossible. I been three months behind on mortgage payments. It’s sad how they waited and waited trying to find anything to not payout. I am totally disgusted.
Hi, Pearlene. 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. We look forward to speaking with you.
Updated on 06/21/2019: Working on an Appeal and was denied once again, what does Mutual of Omaha understand that Epilepsy and seizure disorder is a condition/disability in the state of TN. I am so tired of their so called "top 2 physicians" see nothing wrong. Sugar coat sugar coat. I have paid into Mutual of Omaha for years and currently on ADA. This is my second review and nothing will be done, stress is a huge trigger for my seizures and I will be seeking a lawyer.
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.
Hi, Chastity. 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.
This is a fraudulent company. Get a lawyer. This company like to spend money in their own circle of people to perpetuates the money. I have been out of work for nearly a year now. All the paperwork was in order right from the get-go and then you decided they need more information making doctors and myself who is very injured doing this episode. After denying the first round I decided to go to the insurance commissioner to see if they can help because that's what you have to do so I did that. Insurance commissioner advise them that they would not doing their investigation properly. This being said my employer wrote that I could not do my job because of my duties that needed to be performed while at work.
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.
Hi, Robert. 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.
I've have been trying to be patient and despite hearing all of the negative from my co workers and online I decided to experience and decide for myself. My agent gets really frustrated when I ask any questions. I like things thoroughly explained to me and I like estimated dates and documentation. Not sure what fundamental values you have based your customer service on by I submitted my physician doc note as requested. I was told it was illegible by Kaiser. Resent it March 16. It was all clear. March 25th my rep says she will follow up with me. March 30th I got a call and said that more documentation is needed and they will contact my therapist. I'm sure there have been other cases similar to mine.
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 **.
Hi, Jessica. 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.
I got their long and short term disability through my employer. On 10/04/2018 @ 4am on my way to work I was hit by a left turning truck on my motorcycle. Both bones in my left leg were completely broken from my ankle requiring surgery and installment of a titanium rod and screws to put it back together. Between Mutual of Omaha "dragging their feet" and my orthopedic surgeon's office doing the same it was nearly a month before I saw my first check.
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.
Hi, Dave. 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.
I was on short term disability through MOO that ran out in December, we switched over for approval for LTD and so far it has been a nightmare dealing with "Peggy". During the initial interview I had my wife sitting beside me because I have a hard time remembering dates and times. Peggy flipped out and basically told my wife not to talk. Then Peggy asked how many hours were in the work week at the company I was employed at. I got a call back several days later from Piggy calling me a liar and such and started reading down my hours that I worked. She would not stop. She was reading it like she caught me in a grand scheme to screw the system.
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.
Hi, Jason. 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.
I was put on leave by my primary care provider in November of 2018. My doctor completed the required forms and the claim was accepted. Note this claim was provided through my employer that utilizes MOO for leave claims. The problems began when I had to intervene when I found out that the request for information was on a delay with my medical provider because MOO did not send the initial request for records properly, first time it was received just a cover sheet and no verification information form. Second time it was sent according to this 3rd party "weeks later", a cover sheet with my name and a verification for a random other person. Each time the clock begins again in terms of the length of time to review the detail by this 3rd party for the doctors office.
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.
Hi, Elizabeth. 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.
Mutual of Omaha Disability Insurance Company Information
- Company Name:
- Mutual of Omaha
- Year Founded:
- Mutual of Omaha Plaza
- Postal Code:
- United States
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