Disability Insurance Companies Make More Money By Offering Lowball Settlements Or Delaying And Denying Claims Insurance Companies Win When The Insured Fails Or Cant Fight Back Over The Years Darraslaws Clients Have Fought Back And Won Against Every Major Disability Insurance Company
Mutual of Omaha, like all major disability insurance companies has an obligation to act in good faith when you present a claim for disability. This means that disability insurance companies should not get away with simply looking for ways to avoid paying legitimate claimsUnfortunately, disability insurance companies act in bad faith more often than their customers might imagine. Common red flags for bad faith claims delays or denials are:
- Requests for independent medical examinations by improperly credentialed doctors
- Massive requests for duplicative claim documentation
- Denials unaccompanied by minimizing, both objective and subjective proof of disability
- Failing to make a disability claim decision within a reasonable amount of time
- Failing to relate relevant information to the claimant about proof of loss deadlines
If you feel that your disability claim was unduly delayed or wrongfully denied, you should fight back, tooand DarrasLaw, with its team of experienced disability insurance lawyers and ERISA lawyers are here to help.
The following are just a few of the many, many lawsuits that Mutual of Omaha has faced over the years:
Radecki v. Mutual of Omaha Insurance Company
Egan V Mutual Of Omaha Insurance Company
Egan purchased an individual disability insurance policy with Mutual of Omaha he later filed a disability claim under his policy. Mutual of Omaha denied Egans claim, stating that Mutual of Omahas own claims manager for Egans policy deemed the claim fraudulent.
Egan brought suit against Mutual for bad faith and unfair dealing. Egan presented evidence that he was no longer able to work despite his own good-faith recovery efforts. Furthermore, Egan had offered to undergo a medical evaluation by a doctor of Mutual of Omahas choosing before he sued, but Mutual of Omaha declined his offer Mutual of Omaha also did not order any medical evaluation before wrongfully denying Egans claim.
The trial court found in favor of Egan, holding that Mutual had not sufficiently investigated Egans claim before denying it. Mutual of Omaha appealed, and the states supreme court affirmed the trial courts finding, agreeing that Mutual of Omaha failed to properly investigate Egans claim before denying it.
Greguhn v. Mutual of Omaha Insurance Company
Greguhn purchased a disability insurance policy with Mutual of Omaha. The disability insurance policy entitled Greguhn to monthly benefit payments for as long as Greguhn was unable to work. After a year of payments, Mutual of Omaha stopped paying Greguhn they argued that he was able to continue working.
Different Laws May Apply To Your Disability Claim Depending On Whether It Is Employer
Many disability claimants dont realize that different laws apply to different types of disability insurance claims. The laws that apply will frame your entire claim process, including when you can file a lawsuit and how much you can get in damages.
If your Mutual of Omaha policy is an employee benefit, a federal law called ERISA will likely apply to your claim. Under ERISA, you must follow a strict two-step appeal process.
If Mutual of Omaha denies your application for long-term or short-term disability benefits, you must first exhaust your administrative remedies by completing an insurance company level appeal. During this time, you can submit additional evidence that supports your claim.
You cannot file an ERISA lawsuit until the insurance company completes its administrative process and issues a final decision. At that time, you can file a complaint in the federal courts. However, there are limitations:
- You cannot give the judge any more evidence
- Jury trials are not an option
- You cannot demand compensation for a bad-faith denial by Mutual of Omaha
If youre not sure whether ERISA applies to your disability insurance claim, you should speak with an experienced disability attorney immediately.
More importantly, in a state law claim, you can:
- Ask for a jury trial
- Submit new and material evidence during your lawsuit
- File bad-faith insurance claims against Mutual of Omaha
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How Does Mutual Of Omaha Short
If a short-term disability policyholder becomes injured or falls ill and is unable to work, they can file a claim for benefits. This claim should typically be accompanied by supporting documentation, such as a physicians statement, explaining the nature of the illness or injury and estimating the duration of the disability.
If the claim is approved, the policyholder receives benefits. However, many carriers, including Mutual of Omaha, have contractual elimination periods, which are waiting periods before the payout begins. Once the elimination period ends, the policyholder begins receiving benefits, which are designed to help pay for a mortgage or rent, utilities, groceries and other daily living expenses. Payouts continue until the policyholder returns to work or the contractual benefit period ends.
Why The Name Mutual Of Omaha May Be Familiar To You
Mutual of Omaha was originally founded in 1909 in Omaha, Nebraska as Mutual Benefit Health and Accident Association. Mutual of Omaha has many different subsidiary companies, including two insurance companies: United of Omaha Life Insurance Company, United World Life Insurance Company. Mutual of Omaha also owns Mutual of Omaha Investor Services, Inc., Continuum Worldwide, Mutual of Omaha Bank and East Campus Realty, LLC.
Baby Boomers may recall the name Mutual of Omaha from the early 1960s, when Mutual of Omaha was the name sponsor of the television show Mutual of Omahas Wild Kingdom. The show was a staple with families, who watched host Marlin Perkins weekly on the nature documentary. He was known for introducing commercials for the insurance company with a segue that tied together the shows subject matter to the protection offered by the insurance company.
Unfortunately, the reality for many Mutual of Omaha/United of Omaha disability insurance claimants is not so amusing.
Clients Choose Us Because We:
- Have recovered $200M+ for our clients.
- Have seen your situation before.
- Are aggressive in our approach.
- Know the tactics used by the insurance companies.
- Hold high AV Ratings & received the Super Lawyers designation each year.
The best you can do when you are considering a battle with this large insurance company is to retain experienced attorneys who will fight back on your behalf. Theres simply too much at risk for any disability insurance claimant.
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What Happens If Mutual Of Omaha Denies My Appeal
If Mutual of Omaha decides that they were correct in denying your benefits, then you have one last option. You can file a lawsuit in federal court.
You will want an attorney for this lawsuit as it can be difficult to overturn Mutual of Omahas decision. The attorneys at Ben Glass Law know how to handle long-term disability insurance lawsuits, and we will work to overturn Mutual of Omahas decision. Mutual of Omaha will try to show that they were right in denying your benefits, but a federal judge will make the final decision. With our help, you will get the closure you deserve.
Disability Income Choice Portfolio
Underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. Disability income policy/certificate form numbers: D81, D82, D83 . 150BE or state equivalent. These policies have exclusions, limitations and reductions.
In NY, these policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for D81-21098, D82-21100, D83-21102 and 151BE Series-12495 is 55 percent . The ratios are the portion of future premium, which the company expects to return as benefits when averaged over all people with these policies.
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What Isnt Generally Covered By Mutual Of Omaha Disability Insurance
Understanding what Mutual of Omaha categorically excludes is important. Your awareness of the exclusions and limitations can help you pick plans that work for you and avoid companies that will not cover you when you need them most. Mutual of Omaha provides the following general exclusions and limitations for various versions of their plans and policies:
Mutual of Omaha will not pay benefits for:
- Loss that begins while this policy is not in force
- Loss resulting from an act of declared or undeclared war
- Loss sustained while serving in the armed forces
- Loss caused by intentionally self-inflicting injury
- Loss resulting from commission or attempted commission of a felony
- Loss caused by suicide or attempted suicide, while sane or insane
- Loss resulting from you being legally intoxicated or under the influence of an illegal substance or a narcotic
- Loss for which benefits are provided under any state or federal workers compensation, employers liability, or occupational disease law
- Loss resulting from substance abuse or loss resulting from mental or nervous disorders.
Exclusions and Limitations-Short-Term Disability Income Insurance
Exclusions and limitations are generally identical to the long-term exclusions and limitations above.
Exclusions and Limitations-Accident Only Disability Income Insurance
Mutual of Omaha will generally not pay benefits for:
What Is The Difference Between Short
Like the name implies, the difference is in how long youre covered.
Short-term disability income insurance works by replacing your income for a short period of time. The payments you receive from short-term disability income insurance usually last less than 1 year. Typical situations covered by short-term disability income insurance include:
- An injury that prevents you from being able to work
- Prolonged illness
Long-term disability income insurance helps protect you for a greater length of time. These policies typically replace lost income for those who are disabled more than 6 months. Typical situations covered by long-term disability income insurance include:
- Serious illness, such as cancer
- Serious medical events, such as heart attacks
- Mental disorders
Choosing between short-term vs long-term disability income insurance
When comparing short-term and long-term disability income insurance, there are a few things to keep in mind:
How long can you go without income?
- You should consider how long you are comfortable without a paycheck. You need to factor in your family members and anyone else who depends on you.
- If you have savings to cover a few months of lost income but nothing more, long-term disability income insurance may be worthwhile.
- If you have no emergency savings or you are the only income in your home, you may be more comfortable with both.
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Mutual Of Omaha Disability Claim Denials
Underwritten by United of Omaha Life Insurance Company , Mutual of Omahas Disability Income Choice Portfolio offers long-term disability coverage. A long-term disability insurance policy with Mutual of Omaha should pay you a monthly benefit if you are unable to work due to a disabling accident injury or illness.
Mutual of Omaha disability claim denials are not uncommon. Like most insurance companies, Mutual of Omaha does not always approve long-term disability claims when it should. Mutual of Omaha denies a significant number of long-term disability claims.
As a disability insurance attorney, Nick A. Ortiz has helped many clients after Mutual of Omaha denied their claims. If you tried to claim Mutual of Omaha disability insurance benefits and were denied, we can help. Call us at or keep reading for more information.
Have You Received A Letter From Mutual Of Omaha Denying Your Disability Claim
Take a deep breath. This is not the end of the road for your claim. You have options and BenGlassLaw is here to help.
Mutual of Omaha Insurance Company is a very large insurance company. They handle thousands of claims like yours every day. Disability insurance should help their claimants, but before all else, they are an insurance company looking out for their profits. If you are unable to work because you are disabled, Mutual of Omaha should pay your benefits. Instead, insurance companies like Mutual of Omaha send denial letters instead.
Bottom Line: It is cheaper for Mutual of Omaha to deny your benefits than it is to pay claimants what they deserve.
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What Should You Do If Your Disability Claim Was Denied
If Mutual of Omaha has denied either your short-term or long-term disability claim, call an experienced disability insurance attorney. This is extra important if your claim is under the Employee Retirement Income Security Act . If your employer purchased a disability insurance policy from Mutual of Omaha, then your claim is most likely an ERISA claim.
Under ERISA, Mutual of Omaha must follow certain rules. However, ERISA is very difficult to navigate. Mutual of Omaha will want you to believe that you MUST appeal its decision without an attorney. This is not true. You should consult with an attorney who has experience with ERISA before appealing any short-term or long-term disability denial by Mutual of Omaha.
Usually the appeal process for a Mutual of Omahas denial of your ERISA disability claim starts like this:
- You have 180 days to appeal from the date you received Mutual of Omahas denial letter to file your appeal. This is an administrative appeal. This means that someone at Mutual of Omaha will review your appeal and make a decision
- Mutual of Omaha will have 45 days to answer your appeal
- Mutual of Omaha is allowed one 45-day extension.
What Is Mutual Of Omaha Insurance
Founded in 1909 and headquartered in Omaha, Nebraska, Mutual of Omaha is a Fortune 500 company that offers a broad suite of insurance products. The company sells life insurance, Medicare supplement insurance, retirement and annuity plans, dental and health insurance, disability insurance and other products. Mutual of Omaha employs nearly 5,000 people and had an annual revenue of $7.9 billion in 2016.
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Disability Insurance From Mutual Of Omaha
Mutual of Omaha offers both group and individual disability insurance plans. The group plans are available through participating employers and include short-term disability, long-term disability or both. Workers sign up for disability insurance through their employers and pay their premiums by payroll deductions from their checks. Individuals who choose to purchase individual disability policies other than through their employers can have portable policies that can remain in effect even when they change jobs.
Many workers choose to purchase both short- and long-term disability coverage. Before the short-term benefits will begin, the workers must first be disabled for longer than the elimination periods. The short-term elimination period is much shorter than the long-term elimination period. When workers have both types, they may exhaust their short-term benefits with their long-term benefits kicking in once those short-term benefits have ended.
Frankel & Newfields Experience With Claimants Who Try To Represent Themselves
When you work with Frankel & Newfield, you work with a partner. We think our clients cases are too important to work with a series of associates or attorneys with less than ten years of experience with disability insurance companies and the complex laws concerning their short or long-term disability policies.
Throughout our years of experience, we have worked with people from all walks of life, including many successful professionals, people who devoted their careers to selling insurance policies and even attorneys who work in complex areas of the law.
We know from experience that no one is prepared for the brick wall that comes crashing down, when their disability insurance policy is at the mercy of claims personnel. It doesnt matter how smart they are, how many people they have had under their supervision or even how many years they practiced law.
Things You Should Know Before You File A Mutual Of Omaha Disability Claim
Mutual of Omaha is one of the countrys largest disability insurers, offering both short-term and long-term disability policies to employers and individuals. While Mutual of Omaha isnt as notorious as UNUM or MetLife, the company still has a significant history of improperly denying disability claims.
If youre about to apply for benefits or file an appeal with Mutual of Omaha, get ready for a fight. In this article, our disability lawyers will introduce you to Mutual of Omaha, explain some of their tactics, and discuss ways you can improve your chances of getting short-term and long-term disability benefits.
What Do I Do If Mutual Of Omaha Denies My Claim
If Mutual of Omaha denies your claim, the insurance company will notify you of its denial decision in a letter. This notice will tell you why the company made its denial decision and give you information about how to appeal and the deadline for appealing. If you receive this letter, contact the company immediately and request a copy of your claim file. It will have all of the evidence that Mutual of Omaha used to deny your claim. Once you have a copy of your claim file, youll want to being the process of appealing the denial.
Appealing a Denial from Mutual of Omaha
Keep all of your communication with the company in writing, and keep copies of all of the correspondence that you send and receive. Dont fail to meet the appeals deadline or you will be prevented from ever recovering the disability benefits that you might otherwise recover for your disability. If youre not sure how to go about the appeal process, be sure to contact a disability lawyer as they will not only know how to efficiently go through the process, theyll also know how to provide sufficient evidence against the wrongful denial.
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Mutual Of Omaha Short
- Short-term disability plans provide income if you’re out of work due to illness or injury. Learn the basics of Mutual of Omaha short-term disability insurance.
An injury or illness can leave you unable to work, jeopardizing your income and your familys financial security. Short-term disability insurance can provide income protection that helps you cover routine expenses, so you can focus on recovering. As a leading provider of financial solutions, Mutual of Omaha offers short-term disability insurance with flexible coverage options, so you can safeguard your income if you become temporarily disabled due to sickness or injury. But, before purchasing a plan, its important to understand how this type of coverage works and what Mutual of Omaha short-term disability insurance can offer policyholders.