Mutual of Omaha Long-Term Care Insurance Denials Attorney

You trusted Mutual of Omaha to be there when you needed it most. You paid your premiums for years, believing your long-term care policy would provide a safety net for your health and financial security.

But when you need to use those benefits, you are met with delays, confusing demands, and a denial letter that feels like a betrayal. This is not just a paperwork problem. It is a direct threat to your well-being and the future you planned for.

The frustration and uncertainty you feel are valid. Mutual of Omaha is a massive mutual insurance company with immense resources built over more than 30 years in the long-term care insurance market that help them protect their profits, perhaps more than their policyholders.

The powerlessness that follows for claimants can make it feel like there is no choice but to give up.

At Sandstone Law Group, we want you to know that you are not alone, and a denial is not the final word. We fight for policyholders like you every day, including those with traditional standalone LTC policies, hybrid LTC solutions, and California Partnership Program policies.

Our attorneys for denied Mutual of Omaha long-term care claims understand the tactics insurers use and how to counter them. We are prepared to take on these powerful companies and hold them accountable for the promises they made. 

Contact a Mutual of Omaha long-term care insurance denials attorney online or at (602) 615-0050 for a confidential consultation to discuss your case and learn how we can help protect your rights.

Key Takeaways About Mutual of Omaha Long-Term Care Insurance Denials

• A denial is not the end: Mutual of Omaha often denies valid claims, hoping you will not fight back. A denial letter is the beginning of a process, not the conclusion.
• You have legal options: Our attorneys understand the rules that govern bad faith insurance practices, such as Arizona's Unfair Claims Settlement Practices Act (ARS § 20-461), and use them to hold insurers accountable.
• Action is required: Insurers count on policyholder inaction. Seeking a legal review of your denial is critical in protecting your financial future and accessing the care you need.
• We handle the fight: Our Mutual of Omaha claim denial lawyers manage the entire legal process, from challenging the denial to litigating in court, so you can focus on your health.

Why Choose Sandstone Law Group for Your Mutual of Omaha Claim Denial?

While Mutual of Omaha is one of the few insurers still actively selling traditional LTC policies and maintains a strong service reputation, they have faced lawsuits related to denial of LTC benefits, disputes over "chronically ill" or ADL thresholds, and premium rate increases on older policy blocks, including being part of a $15 million class action settlement in Missouri involving over 1,600 policyholders.

At Sandstone Law Group, we know how to take on insurers prioritizing profits over policyholders. Here's why clients trust us to fight for their rights:

• Deep knowledge of insurance tactics: We understand the strategies Mutual of Omaha uses to deny claims, from misinterpreting policy language to creating unnecessary delays.
• Personalized legal strategies: Every case is unique, and we tailor our approach to the specific details of your policy and denial.
• Trial-ready preparation: We prepare every case as if it's going to court, which often leads to stronger settlements but ensures we're ready to litigate if necessary.
• Proven commitment to clients: From Phoenix to Flagstaff, California, and nationwide, we bring the same level of dedication to every client we represent.

At Sandstone Law Group, we don't just handle your case. We take on the fight so you can focus on your health and your future. Let us hold Mutual of Omaha accountable and secure the benefits you were promised. 

Call (602) 615-0050 or contact an Omaha Mutual LTC denial lawyer online to explore your legal rights and options.

Why Is It Hard To Get Omaha LTC Care Insurance Benefits?

Mutual of Omaha and other insurers have developed a playbook of tactics designed to wear you down and justify denying claims. Despite Mutual of Omaha's long history in the LTC market and their reputation as one of the major insurers still actively selling traditional policies, claims of improper denial, misleading communication, and delays in payments have emerged in litigation. Our Mutual of Omaha long-term care insurance denial attorneys know how to identify and dismantle these tactics.

Misleading policy interpretations.

Mutual of Omaha may take ambiguous language in your policy and twist it to support a denial.

They might argue that your condition does not meet the specific triggers for benefits related to activities of daily living (ADLs) or cognitive impairment -- disputes that have been the subject of past lawsuits against the company. We counter this by grounding our arguments in the policy's intended purpose and your state's insurance laws.

Rejecting your doctor's assessments.

The insurer may hire its own medical reviewers, who have never met you, to create a report that contradicts the opinions of your treating physicians. This is a common strategy to create a "dispute" where one does not truly exist.

We work with your doctors to build a solid medical record that accurately reflects your condition and care needs.

Imposing overwhelming paperwork and delays.

You may be asked for endless forms, redundant records, and detailed daily care logs. This is often a deliberate tactic to create delays and frustrate you into abandoning your claim.

Our team manages all communications and paperwork, submitting everything correctly to position your claim for success, not more delays.

Using intrusive investigations.

Insurers sometimes hire private investigators to conduct surveillance on claimants. 

They look for any activity, often taken out of context, to argue that you are not as impaired as you claim.

We can help you challenge these one-sided and unfair investigation tactics to pursue the full benefits you may be entitled to under your policy.

Is It Time to Seek Legal Help From a Mutual of Omaha Insurance Claim Denial Lawyer?

If Mutual of Omaha has denied or terminated your long-term care benefits, you may wonder if you have a valid case for legal action. Many people hesitate, fearing their situation is not serious enough or that a lawyer cannot help. At Sandstone Law Group, we help clients understand their rights, even when a denial feels final.

While Mutual of Omaha is not widely known for systemic bad faith behavior compared to some other insurers, they have faced claims involving improper denials, misleading communication, and payment delays. Outcomes in these cases tend to be case-specific, which is why a thorough legal review of your particular situation is essential.

Types of Mutual of Omaha Denial Cases We Handle

Our firm is equipped to handle a wide range of disputes arising from Mutual of Omaha's long-term care insurance policies, including their standalone LTC insurance, hybrid LTC solutions, and Partnership Program policies offered in states like California and Arizona. We build cases tailored to the unique facts of your situation and the specific reasons for the denial.

Schedule a confidential case assessment for support with Mutual of Omaha LTC insurance claim denials involving:

• Nursing home and assisted living denials: We challenge coverage denials for care in licensed facilities, focusing on proving that your needs meet the policy's criteria.
• Home health care denials: Many policies cover in-home care, but insurers often dispute the provider's necessity or qualifications. We fight to secure the benefits that allow you to receive care at home.
• Rehabilitation care denials: We handle cases where Mutual of Omaha denies coverage for short-term or long-term rehabilitation services following an illness or injury.
• Wrongful policy cancellations: We represent clients whose policies were wrongfully rescinded, often over minor premium payment issues, fighting to reinstate coverage.
• Insurance bad faith claims: When Mutual of Omaha's conduct is particularly unreasonable, dishonest, or malicious, we can pursue bad faith claims. These claims allow us to seek damages beyond the policy benefits in states such as California and Arizona, where Mutual of Omaha has a strong market presence.

Whether a claim was denied from the start or your benefits were cut off, our Mutual of Omaha litigation attorneys for long-term care are ready to help.

Unsure if you have a case? Call (602) 615-0050 or message us online to explore your legal rights and options during a free case review.

Compensation We Fight to Recover For Omaha Mutual LTC Claimants

Our primary goal is to recover the benefits you are owed under your policy and hold Mutual of Omaha financially accountable for their actions, including:

• Back benefits: This is a lump-sum payment to cover all benefits that should have been paid from the date your claim was wrongfully denied or terminated up to the present.
• Future benefits: We seek to have your benefits reinstated, requiring Mutual of Omaha to make ongoing payments for as long as you remain eligible for care under your policy.
• Interest on unpaid benefits: Insurers are often required to pay interest on wrongfully withheld benefits, compensating you for the time you were without the money you needed.
• Additional damages for bad faith: In cases where we can prove Mutual of Omaha acted in bad faith, we may pursue other forms of compensation. This can include damages for emotional distress and, in cases of severe misconduct, punitive damages designed to punish the insurer.

Our legal team analyzes your policy and the insurer's actions in detail to determine the full range of compensation that may be available in your case.

Worried that your benefit payout isn't what it should be? See how much you could recover with our help. Contact a Mutual of Omaha LTC insurance claim denial attorney online or at (602) 615-0050 to schedule a free case evaluation.

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