Mutual of Omaha Approves Dell & Schaefer Client for Short Term Disability Benefits After Administrative Appeal

Our client previously worked as a Senior Accountant/Office Manager for Maccaferri, Inc. Due to her employment at Maccaferri, she was covered under both a Short Term Disability Insurance Policy and a Long Term Disability Insurance Policy that insured that should she become disabled she would be able to receive a percentage of her prior monthly earnings. Although that day was never expected to occur, due to severe and uncontrolled migraine headaches, our client was unable to continue to work beyond February 14, 2014. Our client applied for Short Term Disability benefits shortly thereafter and supplied Mutual of Omaha with all of the required documentation to support her claim. Medical records as well as Attending Physicians Statements from her treating physicians which supported her claim were provided. Unfortunately, Mutual of Omaha determined that our client did not qualify for Short Term Disability (STD) benefits and denied her claim by way of a letter dated April 10, 2014.

Short Term Disability Denial

In its denial letter of April 10, 2014, Mutual of Omaha noted that our client had been working with migraine pain for months before she made this claim for STD benefits. This caused Mutual of Omaha to opine that our client had “no change in (her) functional ability on or near the last day worked that would prevent (her) from performing the material duties of (her) regular job.” It was as if Mutual of Omaha stated that since she was able to attempt to remain at work and not make a claim for disability benefits for so long, then her condition must not be as disabling as she alleges. Mutual of Omaha therefore found no benefits to be payable and denied our client’s claim.

Administrative Appeal filed by Dell & Schaefer

With the help of Attorney Alexander Palamara of Dell & Schaefer, an administrative appeal challenging Mutual of Omaha’s initial determination was timely filed. First and foremost, this appeal loudly criticized Mutual of Omaha’s reasoning to penalize our client for attempting to remain at work and fight through her conditions. The appeal noted that Mutual of Omaha should have thanked our client for fighting to remain at work and attempting not to make a disability claim as Mutual of Omaha would have had to pay disability benefits at an earlier date. In addition to criticizing Mutual of Omaha for their offensive argument, the administrative appeal focused on the overwhelming support from our client’s treating physicians and the medical documentation that showed that our client’s refractory migraine headaches continue to not be under control.

Approval for Short Term Disability Benefits

After the filing of the administrative appeal, our client was informed a few months later that Mutual of Omaha had determined that “(b)ased upon the relevant documentation received on appeal, as well as our review, we are overturning the denial of her disability claim.” Thus our client will be receiving her full short term disability benefit and our attention will now turn to our client’s claim for Long Term Disability Benefits. Our client is assured that the Attorneys at Dell & Schaefer will continue to fight Mutual of Omaha so that her benefits are paid so that she can continue to receive treatment to combat her disabling conditions. If you have been denied Short Term or Long Term Disability Benefits by Mutual of Omaha or any other insurance provider, please do not hesitate to contact the Attorneys at Dell & Schaefer for a free consultation.

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FAQ

Do you help Mutual Of Omaha claimants nationwide?

We represent Mutual Of Omaha clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Mutual Of Omaha disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Mutual Of Omaha. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Mutual Of Omaha.

How do you help Mutual Of Omaha claimants?

Our lawyers help individuals that have either purchased a Mutual Of Omaha long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Mutual Of Omaha:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Brett C.

I have been on LTD, since Aug 2016, and Cigna is my LTD Insurance Company. I received a couple of payments from Cigna, without any issues, but then the payments stopped in Oct, at which time I was informed by Cigna that they were “looking into” my claim. Cigna stopped contacting me, would not even return calls or emails, but finally contacted me in mid-December to inform me that they would not be continuing with my claim.

I contacted Dell & Schaefer in January, at which time I began working with Attorney Alex Palamara, Disability Appeal Specialist Randa Escayg, and Legal Assistant Kathy Bordes. These folks were always kind, professional, understanding, did a great job of explaining everything to me, and most importantly I could tell that they truly cared about the situation my wife and I had unfortunately found ourselves in.

I fully understand the feeling of being overwhelmed, when you are first denied, that David vs Goliath feeling of you against some huge conglomerate, that powerless and helpless feeling that overcomes you when you are sick and injured and at your most vulnerable. The only things that you are able to focus on are saving your family’s home, doing whatever you can to take care of them, all while you should be focusing your energy on getting better, as much as you are able, so that you can recover your life to what it once was, returning your current life of overwhelming stress and chaos to some semblance of normalcy. Well, as soon as I began working with Alex, Randa, and Kathy, I immediately felt better, like I finally had someone in my corner fighting for me, somebody who cared, and somebody who would stand up to that giant corporation, and make things right.

Alex won my appeal for me, and Cigna is in the process of restoring my full benefits, retro back to October. I cannot describe to you the feeling of joy and elation the moment my wife and I were notified we had won. To those currently dealing with a LTD company, and all of the madness that entails, just know that there is a light at the end of the long dark tunnel. You do still have hope, and you can certainly do no better than to have the wonderful folks at Dell & Schaefer in your corner fighting for you!!!!

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