Mutual of Omaha Disability Claim Denial

Disability insurance claims allow people who’ve been in accidents or another unfortunate event to receive a replacement method of income via payment of disability benefits. When the unthinkable happens, this type of insurance coverage provides much-needed help — but disability claims don’t always go as planned.

There are numerous reasons why a disability claim might be denied, such as a lack of actual medical evidence or reporting, previous denials, or an income level that is too high. The burden of proving that one is legitimately disabled lies entirely on the claimant, not the insurance company. With the absence of proof or other disqualifying means, the insurance company (or benefits provider) can legally deny a claim — here, an experienced and vetted disability insurance claim lawyer can provide assistance.

In this blog, we’ll cover every aspect regarding Mutual of Omaha disability claims: statuses, denials, how to appeal a disability claim denial, and legal options for fighting a denial.

Why Do People Turn to Us?

Outside of private insurance companies, the Social Security Administration (SSA) is the largest provider of disability benefits in the US. More than 60 percent of all disability claims are denied by the SSA each year, highlighting a trend that’s similar among private insurance organizations — disability claims are denied, more often than not.

Mutual of Omaha disability insurance offers members up to 70 percent of their reported income (after submitting a disability claim and being approved for benefits), but not all claims are approved, which is why many people turn to a qualified legal office to help them get the benefits they deserve.

Mutual of Omaha Insurance

Mutual of Omaha is a nationwide insurance provider based out of Omaha, Nebraska. The company was founded in 1909 and offers an extensive range of insurance services including life, disability, and long-term care insurance, in addition to other financial services.

Mutual of Omaha Long-Term Disability Insurance

Mutual of Omaha disability insurance offerings are available in several different types, including both short-term and long-term. The company’s long-term disability insurance offering, a safeguard in case of an accident, illness, or injury that prevents one from being able to work, is most widely used.

The primary difference between short-term and long-term disability insurance comes down to the length of benefits — if a claim is filed and approved, long-term insurance will provide a monthly payout, whereas short-term disability is typically only applicable for a more defined period of time (e.g., between three to six months). Below is a brief overview of some of the features of Mutual of Omaha disability insurance:

• Flexible options with monthly payouts of up to $12,000
• Coverage for up to two years until age 67
• Dynamic elimination and benefit periods
• Numerous built-in benefits including terminal illness, waiver of premium, guaranteed renewable, and total disability income benefit
• Several optional benefit packages and add-ons for additional coverage

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Why does Mutual of Omaha delay claims?

One of the main criticisms leveled at large-scale insurance carriers is that they are less concerned with taking care of their customers and more concerned with making money. Like many other large insurance providers, Mutual of Omaha is a profit-driven business, which means that it is not uncommon for the company to delay claims processes or issue outright denials, whichever option is in their best interest.

If you are wondering about your Mutual of Omaha disability claim status and feel that the company is delaying your claim’s processing or that denial is imminent, it’s important to review your legal options. In the following section, we cover the steps to take if Mutual of Omaha denies your claim.

What can you do when Mutual of Omaha denies your claim?

In a country where insurance rates are skyrocketing, having the right level of coverage can seem like a luxury — and when you need to financially rely on your insurance company for a benefit payout, it can feel disheartening to have them issue a denial for no apparent reason.

Insurance companies rely on “bad faith” in order to deny claims they don’t want to pay. They may attempt to bury you in paperwork until you give up, or they might add loopholes to your insurance that you weren’t aware of. Their desired end result remains the same: your claim not being approved and you struggling to find a method to fight back.

Rondstadt was created for this very reason, to give power back to everyday people and hold large insurance companies accountable for mistreating their customers. Hiring an experienced disability claim denial lawyer is often the deciding factor in successfully receiving your owed benefits and appealing your denial.

Mutual of Omaha appeal process

The Mutual of Omaha disability claim appeal process is similar to other insurance companies’ processes; there are strict standards that must be met when filing an appeal, especially in regard to the timing of your appeal’s submission, which is why it is almost always recommended to hire an experienced long-term disability claim lawyer to manage the process from end-to-end and deliver a strong appeal. Here is a high-level overview of the process:

• You have 180 days from receipt of the denial letter to file an appeal with Mutual of Omaha
• Working with a lawyer, you will draft an appropriate appeal in writing and send it to Mutual of Omaha
• Mutual of Omaha will take up to 45 days to review your appeal (and may file for another 45-day extension)
• Mutual of Omaha will issue their decision

When to reach out to an attorney for help.

Always consult with a disability attorney before submitting appeals. The strength of a lawsuit depends on the quality of the appeal.

Insurance companies want you to give up – they save money when you do. Don’t give up! We routinely go up against insurance companies and know what it takes to get your benefits. With so much at stake to protect your livelihood, don’t go at it alone.

Most firms do not provide continued support after your case is won, but we do. We provide you with additional care and protection, because insurance companies use tactics to avoid paying disability benefits after claims are won.

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