Founded in 1909, Mutual of Omaha Insurance Company is a Fortune 500 company offering a variety of insurance and financial products for individuals, businesses, and groups in the United States.
With 2019 revenues recorded at $10.4 billion and a net income of $271 million, Mutual of Omaha did not get so big by gladly paying out every insurance claim.
As a giant of the insurance industry, Mutual of Omaha has a financial incentive to delay and deny worthy claims.
If Mutual of Omaha delayed or wrongfully denied your disability insurance claim, we can help.
We hold disability companies accountable and ensure that policyholders are paid what they deserve.
Mutual of Omaha Has a History of Denying Worthy Claims
After reviewing your claim, don’t be surprised if Mutual of Omaha sends you a denial letter.
It’s no secret that Mutual of Omaha denies the majority of initial long-term disability (LTD) applications.
Applications for LTD claims are often written in ways to encourage responses that result in a denial of benefits.
Or perhaps instead of an outright denial, they will claim to have not received needed medical records or send you requests for more information, delaying desperately needed benefits month after month.
Your denial letter will only have the insurance company’s decision and will not go into much detail regarding the reasons for your denial. For this, you will need a copy of your claim file.
You must ask for this file as it won’t be provided to you. Once requested, Mutual of Omaha is required under ERISA guidelines to send you a copy of your claim file. In it, you will find a detailed account as to why your claim was denied.
What Excuses Did Mutual of Omaha Use to Deny Your Long-Term Disability Claim?
Your claim will pass through many hands starting with a disability claims examiner.
From there it will be passed on to an in-house reviewing doctor who will cherry-pick your medical records, selecting only the portions that will support a denial of your claim.
There’s also a team of in-house vocational rehabilitation consultants and outside counsel.
That’s a big team to deal with for someone who is vulnerable because of an illness or an injury.
Long-term disability insurance companies come up with various “reasons” as to why your claim was denied and Mutual of Omaha is no different.
Here are a few of the most common reasons for long-term disability denials:
- Incomplete medical records
- Medical records did not provide enough proof of your diagnosis
- You have a pre-existing condition
- Your doctor’s recommendations were not taken into account
- Insurance company inaccurately stating your job functions, duties, and responsibilities
- “Catching” you under surveillance
- You allegedly failed to pay an insurance premium
How Can a Long-Term Disability Attorney Help You After Mutual of Omaha Denied Your Claim?
Having a long-term disability makes you vulnerable to the insurance company giants and Mutual of Omaha knows this.
Gathering medical records from all of your doctors and remembering deadlines can be extremely difficult when all you feel is constant pain.
How do you know if your claim was denied in bad faith?
When you’re dealing with a disability, you need someone in your corner. Someone whose only interest is your best interest.
An experienced disability insurance attorney will ease the burden of hunting down medical records and filing reports.
They’ll keep track of Mutual of Omaha’s disability deadlines and fight for you to get the long-term disability benefits you rightfully deserve.