• Mutual of Omaha Disability Appeal Tips to Win BenefitsMutual of Omaha Disability Appeal Tips to Win Benefits

Mutual of Omaha Disability Appeal Tips to Win Benefits

If you’ve recently received a denial letter from Mutual of Omaha on your claim for long term disability insurance benefits, you may be worried and wondering about your next steps. Fortunately, the appeal process can present one of the best opportunities to resolve your claim for benefits. Read on for some legal tips that may come in handy when filing a Mutual of Omaha long term disability benefits appeal.

The Mutual of Omaha Claim File Must be Reviewed to Submit a Successful Appeal

Mutual of Omaha’s denial letter is usually anywhere from 3 to 10 pages long, but it may not give you all the information you need to know exactly why your long term disability claim was denied. Instead, you’ll need to order a copy of Mutual of Omaha’s claim file. This will show you everything Mutual of Omaha’s claims adjusters looked at when deciding whether to approve or deny your disability insurance claim, including some you’ve never seen before. Poking figurative holes in these documents (and, by extension, Mutual of Omaha’s review process) is the easiest way to tilt the scales in your favor as a long term disability claimant.

The Medical Records are Essential as Your Claim is Only as Good as it Looks on Paper

When you appeal Mutual of Omaha’s denial of long term disability benefits, you must provide enough evidence to show proof of disability. In many cases, claimants haven’t supplied Mutual of Omaha with the records they’re looking for in the unique language disability insurance carriers tend to use. In other words, even if it’s clear from looking at your records that you have a genuine medical condition that affects your ability to work, if your doctor filled out the claim forms in a haphazard way or didn’t explicitly say that you are unable to work, Mutual of Omaha may deny the claim out of hand.

Our job is to identify any weaknesses in your documentation and provide supplemental records and statements that will help carry your long term disability claim over the threshold.

We Often Rely on Vocational Experts to Document Occupational Duties and the Skills Required for the Job

One of the tools we use to help strengthen clients’ long term disability claims involves the use of medical experts, vocational experts, and others who can establish a particular claimant’s range of occupational duties and physical capabilities. Vocational experts can carefully examine your job duties and provide the documentation Mutual of Omaha needs to see to decide you’re truly unable to perform the demands of your individual position.

What is the “Chinese Wall” in the Appeal Process and Does it Help Claimants to Win an Appeal?

The appeal process is the most important stage in a long term disability claim, and it’s crucial to seek advice from an experienced disability insurance attorney during this process. In the vast majority of Mutual of Omaha long term disability insurance claims, the record on appeal is it – even if the appeal is denied and the claimant chooses to sue in civil court, no additional information will be allowed into the record put before the judge. This “Chinese wall” can help claimants win on appeal by ensuring that the record is as complete as it can be before the final appeal is tendered.

If you’d like some help in tackling your Mutual of Omaha appeal, look no further than Dell & Schaefer. Our experienced team of disability insurance attorneys has helped hundreds of Mutual of Omaha claimants recover benefits, and all we need to get started is a copy of your denial letter and your long term disability policy. Get in touch today to set up your 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.

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