Mutual of Omaha Disability Insurance Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Finally got everything sorted out (it's been almost a month since I've received a check and am now way behind on bills). They said they'll send out the check, which would have been sent out last Friday. So today (me not being smart enough to realize that it's a holiday) go check the mail and no check. I may just be complaining but after an unhappy customer gets off the phone with you and they haven't been paid. I'd probably send that mail express. But God forbid they spend an extra dollar so people can live their lives without the stress of finances. I will NEVER use them again after I go back to work. This place is a scam. Just trying to take your money and screw you in the process. Hope this helps others. I'm sure it will considering all the 1 star reviews they have.

Also, some of MOO employees are rude and horrible to work with especially Samantha **. Samantha **, someone must have told you wrong... I'm NOT hungry and I'm NOT going to lose anything I have if you make a decision not to approve my claims. I just want what is rightfully mine; one, because I am medically unable to work at the moment. Two, because I paid into MOO Long term disability plan. So, don't think for one second that your threat holds any value over my head when you said, "you could just make a decision to disapprove my claim today."

So we are lawyered up doing another appeal... It's pretty obvious Mutual of Omaha is difficult to work with on purpose; if 40% of the claimants drop off the cart due to them giving up in frustration, that's 40% that goes straight to the bottom line, they are obstinate ON PURPOSE! If you get a LTD policy from MOO, I strongly advise you have a year's income in the bank because you're going to need it to support your family while the Mutual of Omaha runs you and your family through the meat grinder! Shameful!

Any time there was an extension there would a delay in benefits. Then I had another knee surgery last year 2017 & was off a short 9 weeks. Took about a month to get paid through MOO, as they would not accept my employer's provided earning statement. I actually had to send my W2. Then I noticed about a thousand dollar difference between my deposits & 1099. I called & called, no one called me back. Now I've had a hysterectomy, and my adjuster came at me sideways at 5 weeks, demanding medical records because there was a measly 2 week extension, followed by 4 weeks of modified duty. Jim **, my adjuster argued with me, talked down to me, & spoke in a rude & condescending tone. When he said I Had to provide my own medical records, I asked why because they usually do all of that.

After stating because it's "Kaiser", He continuously cut me off as I tried to speak, and told me he had no such release from me for medical information. He also stated he did not even have an application for benefits either. When I asked how was I getting paid direct deposit, he contradicted himself & said "because Kaiser was nice enough to send it". Now Mr **-how would Kaiser send you anything without my release? According to Kaiser there are no requests from Mutual whatsoever to date. Lies. When I questioned how was I getting paid direct deposit without any of these forms-he went on to argue there was a difference between EFT & direct deposit. Was it really necessary to argue with a paying client going through recovery over something so petty? We are talking a few weeks of benefits, nothing huge they would have to pay out like some of these other reviews.

I requested my medical records from Kaiser & faxed over my off work order, attending physician statement & medical records December 5th. I was contacted a week later they had my info in for review. They have since cut off my benefits, only paying the first 6 weeks. I don't think 8 weeks for recovery from an abdominal surgery in which I sustained bowel perforation during the procedure & stayed in the hospital 3 days for an outpatient surgery is extreme. I called Mr ** today & was told they were waiting for a letter from my Dr he just sent December 12th.

Now why did I waste my time sending in everything they asked for only for them to request more information? It's like they are making up anything they can to stop & stall my claim, a week before Christmas! I had written an email to Todd **, Mr **'s supervisor to which he called right away, and basically told me they requested a letter from my Dr because my medical review results would not be in my favor.

Seriously, they have caused me so much stress & headache over this 2 week extension, that it makes my recovery ten times worse. I should be focusing on getting back to 100% for my extremely demanding job that Mr ** refers to as "light duty". I'd love to see proof of my employer stating my job is light duty. I have already emailed customer care, and I will be contacting my attorney, Thank you Mutual for ruining my holiday season & making my recovery a nightmare. Merry Christmas!

Original Review: Aug. 2, 2018

I put a claim in in May. It was accepted and I was told a payment was going out and I should have it by July 15th. On the 17th I received an email from Janisha ** saying "A payment was issued and your benefits are paid through 7-9-2018. No further info will be needed. I will add that you have returned to work as of this date." As of today 8-1-2018 I received no payment from Mutual of Omaha. Cancelling my insurance and put that money I was going to pay them in a savings account.

As of today 8-1-2018 I received no payment from Mutual of Omaha. Cancelling my insurance.and put that money I was going to pay them in a savings account.

I have called the office and spoken to my claims agent, Jane numerous times as well as supervisors and anybody else I can get on the phone. I have been held up at every turn. They wouldn't pay for my medical records but insisted they couldn't continue with the claim process without them. The underwriting team was in the process of trying to poke holes in my claim in order to deny it. They said it would take 10 days but have just given themselves at least another 5. This policy was to keep my family afloat and now we are drowning in bills while they scramble for an excuse not to honor my policy. Today I was called and told that I was "approved" but would receive NO money because my time written out of work was 64 days and they only start payment after 90 days. I did not read this ANYWHERE in my policy and I will be taking further action.

Updated on August 1, 2018: I DID SPEAK WITH MUTUAL OF OMAHA. I did what they asked and nothing was resolved. They post "resolution in progress" to make their response look good. I will be filing with the attorneys and will be gathering the names of everyone, on all review websites, to join me in the lawsuit.

In that time we have obtained a lawyer and my husband has as been in treatment for almost a month, Natunja called yesterday and asked to speak to my husband, she called my phone number and seemed surprised that I answered, she asked to speak with my husband as to provide the status of his claim. My husband gets on the phone and Natunja tells him that she was just letting him know the status then suddenly starts asking him why he can't work and what are all his restrictions, when my husband would answer her vaguely because he doesn't know medical terminology, she would snidely say what does that mean?

My husband couldn't even verify our address properly because he has a BRAIN injury as well. His treating doctor has sent the detailed paperwork explaining his injuries and work restrictions. She was asking my husband what is his restrictions we're though they have the medical info in their hands. Also we gave emails from his employer as that he can't return until no restrictions are shown. She said they are waiting for the ER records only. My husband then asked her to please speak with his wife and she was silent for a few seconds and agreed. I then told her I can send more information on what his employer corresponded and why she seems confused on what his restrictions are. She then said she can't understand or hear me but yet was responding after I spoke and then told me fax to this number any questions or documents. Asked me is there anything else? I said no, and she rudely hung up. NO thank you. No formal closing.

I immediately contacted the main number and complained as to why she was suddenly interviewing a person with a concussion whom has legal representation. I was connected to Todd her supervisor, whom automatically stated it was her job. I explained that she never stated that the call was recorded nor did she explain she will be asking him questions, SHE said she was calling to give him the status of his claim purely!!! He then began to take fault as that was not okay, but then said they didn't have the accident report and our Dr paperwork. I told him that WE submitted all that and was confirmed by 2 reps and also Natunja a few mins prior. He then began typing and replied that he meant only the ER records...

I am beyond upset and feel that my husband is being treated unfairly. Misleading practice is being performed here and they are lying about what docs they have. Why would you call a person with a concussion and a lawyer on file and lie about the reasoning of the call? I demand her termination and something be done about these practices going on at this company.

Long story short wouldn't be out of work if doctors didn't take me out, my life has totally changed due to injury, then in return you have to deal with a low scandalous insurance company like this. Someone needs to report them to BBB, all I can say if you got the short term get ready to file an appeal. Read the reviews when I applied there correct, would give them worst out of worst on anyone that's got this insurance company. They're honestly a disgrace to people that has worked for years and years to receive this when needed most.

Original Review: July 7, 2018

Seems they want you to jump thru hoops like a circus. All documents show that doctors have provided are short term disability. THEY said there is a 2 week discrepancy in them. I know I tried to work at least a couple days a week just to keep all up to par on bills but no they will not have that. I will seek a attorney if needed. I would much rather be at work. I can make twice the money compared to what the disability pays. I have been out of work over a month and get the runaround. I WILL NO LONGER JUMP THRU HOOPS NOR WILL I HAVE MY DOCTORS JUMP THRU THEM. All the paperwork that I have sent is all that will be sent.

7 weeks of no income... We found out today his short term disability has been denied by Mutual of Omaha Disability Insurance... because he has been on blood pressure medication??? We don't understand what one has to do with the other whatsoever. We had read the reviews on this insurance company while we have been waiting to hear, and understand they will reach for any reason to deny a claim, but this is just reaching a little too far. The short term disability was suppose to help us live while he was out of work, didn't receive it, so lived off the last of our savings.

We now have to pay back his employer for the benefit payments to keep his insurance while he was out of work out of his weekly paychecks, on top of the weekly payments we make for the insurance. My husband was told we can appeal, the question is, do we get an attorney to appeal, or appeal and then get an attorney??? (since from everything we've read would be denied again). His regular doctor would not have sent him to an eye doctor had he had any thoughts the eye problem had to do with his blood pressure. Heck, the blood pressure med. kept his blood pressure controlled as proven by all of his check ups, and had nothing to do with his artery. For anyone reading the reviews, as we did, you can believe them. Very disappointed.

I’m alone. I’ve used every resource possible to survive and been very blessed with resources but now heavily in debt also. This ruining my life. At this point they owe me several thousand dollars and I don’t have enough medical info to support being off work even though my neurologist is a specialist in concussions. I am in extreme anxiety and despair. I will be months catching up with my payments. I thought it was their job to support their customers, now I realize they are your enemy. My case is not closed yet, but I now realize they are working against me.

Updated on 06/08/2018: I was told a week ago that my benefits check was cut and sent Monday, and here it is Friday. No check. It took 4 months to go through their process and now I'm about to be homeless and I can't afford my drug refills that are due. I sent an email to a rep, but she just tells me the check is in the mail. Why would you do this to someone who has incredible anxiety and depression? Are you trying to kill me?

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

UPDATE ON 04/30/2018: After being denied and being contacted by the insurance company after posting a review my claim was revisited. It has been two weeks since the contact and I am no further along than I was before. I submitted my medical records release on the day after the initial claim and was told a week ago they needed it because they didn't have it. It has been four weeks since my original claim was filed and my medical condition is still as it was when I couldn't fulfill my job functions which put me off work to begin with. My attending physician completed the forms as required but I was told she was vague.

I am honestly feeling the insurance company is delaying in hopes that because of my need to support my family which includes 6 special needs children including one that is blind and has severe seizures. Our other children have varying degrees of conditions.and I hope the severe delays will not continue as the impact is real. I am completely amazed at a company I promoted to every employee working for me as one who wasn't more interested in profits but more interested in doing what was right by the policyholders.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In mid-may, I was caring for my father who was diagnosed with bladder cancer and had to have major surgery. During the week I cared for him, I re-herniated the disk that was operated on a year earlier. I knew that taking care of him was more than I could handle and he went to stay with a sibling after one week. I called my pain management doctor and he confirmed the herniation with an MRI (in addition to several other problems previously diagnosed with my spine). He tried everything he could to help, but nothing worked. The pain is unbearable now. I cannot stand for 2 minutes without excruciating pain. Sitting in a chair is horrible and I cannot do it for an entire day at work.

My family doctor agreed that a leave of absence was necessary until I could get relief. She filled out my claim form and I submitted it. They contacted every doctor that I see and requested every piece of medical evidence that they could. The physical therapist's notes said that I can only do 25% of daily activities. My Rheumatologist had notes of the extreme fatigue, pain and other symptoms I was experiencing. My pain management doctor had detailed notes of the amount of pain I am in. But none of this was good enough for them. They denied my claim! Their reasons were that in PT's notes it was stated that I was caring for an ill family member (um, yes, before I went on disability), and also that I was traveling out of the country. I went to Punta Cana for my sister's wedding, which I discussed with my Rheumatologist and pain management doctor and it ended up in office notes. They both said it would be good for me and I should go.

My pain went with me, but the beach is a better view than my living room. I had to take many days to recuperate from the travel, but the trip was already paid for months prior and we couldn't get our money back. All I did was lay on the beach and relax! And finally, they said I didn't finish the recommended Physical Therapy (this was at the advice of my pain management doctor because the PT was making me worse and I couldn't afford it anymore because I was off of work and not getting paid. This denial came two and a half months after filing my claim! I submitted an appeal to the denial a month ago and found out in a voicemail left for me on Thursday that my appeal was denied. Not sure yet what ridiculous reasons they trumped up this time! I explained, in detail, why the reasons they gave me for denial were inaccurate. I gave them further medical documentation I had since first filing the claim. I gave evidence of new symptoms I am experiencing and clearly explaining that I would love to go back to my job, but I can't until I find resolution.

My pain management doctor has narrowed down the cause of my pain to my SI joints, but treatments for this gave me only very brief relief. I will need to have my SI joints fused. It will be two separate surgeries, each followed by a 6-8 week recovery period. I found a surgeon whom I like and is well practiced in this area (they are hard to find for this specific surgery). I am working with him now to do whatever other tests are required before we can schedule surgery. Almost there! I am now 4 months off of work without receiving any disability benefits that I pay for. I have a pile of medical bills that I cannot pay. I am having trouble paying the regular bills as we live week-to-week on two incomes and now we only have one. I had started a nice little IRA for myself 4 years ago, that is now gone to pay for bills and medical expenses. We are trying to sell one of our cars to help, but it hasn't sold yet. Our credit cards are all maxed out now and we are at the end of our rope.

I am well into the Long Term Disability portion of my policy (starts at 3 months), but I only just received a decision on my short-term policy. I do not want to even file my long-term claim because it will get help up in reviews at this point. Once I have the first surgery date established, I will submit it. But I am leery from what I went through with short-term disability. I wonder if having a surgery date scheduled will even make a difference. I have seen better results from people applying for Social Security Disability than what I have gotten with Mutual of Omaha. I was a licensed insurance agent and sold short-term disability policies with other companies. I helped my customers file claims and I never saw them get treated like this. If my doctors say I can't work, that should be it, bottom line! I filed a claim with the Better Business Bureau when they denied my claim the first time. Now, I am now working on finding a lawyer who can help me to sue Mutual of Omaha for my disability benefits, the IRA that is now empty, the stack of medical bills, the credit card debt accrued during this time and the extra pain that they have caused me in Fibromyalgia flair ups due to the added stress.

Today is June 28th 2010 and I'm still off work. The letter that Mutual of Omaha wrote me states that if you are claiming disability from March 2nd 2010 forward, it will be necessary that clinical office notes, including results of any laboratory test, x-rays or other test which have been performed, be provided to Mutual of Omaha. A written release from the doctor is not sufficient to certify disability. Mutual of Omaha requested all the information from my doctor.

I called Mutual of Omaha on June 4th 2010 to ask about a payment that was approved for March 3rd to 15th 2010; the payment has been in review since April 1st 2010. Mutual of Omaha is a joke! I have headaches everyday and I'm stressed because I have no money to pay my bills.