Your Disability CompanyMutual of OmahaAnswered Questions by Our Lawyers

Question

Can Mutual of Omaha review my doctor records again because it's only been 1 year since my policy? Can they ask for my SS number and employer ID?

Asked on May 17th 2015 by Darlene Williams
I recently filed a claim for disability and because it is just over a year that I have my policy. They claims that they will have to pull my doctor records again to make sure that I was not going to the doctor previously for the same medical condition. Now I looked at the attending Physician’s Supplement statement, they want the doctor SS# WTH and other employer I.D. Is this correct? I cannot believe these people. I will cancel this insurance as soon as I am well and back to work. It is not worth the hassle. I got this insurance so that when unfortunately situation occur like this one, I will not have to stress myself out to cover my bills.

Answer

Answered on May 18th 2015 by Attorney Rachel Alters

Darlene, The Physician’s Supplement statement usually requires your SS# and Employer ID. It is a way for the carrier to track forms. Pre-existing condition provisions are inserted into disability policies as a safeguard to prevent people from taking a job for the purpose of filing for disability coverage. If you were not fully covered under the policy for 12 months at the time you went out on disability, then it will trigger a pre-existing condition evaluation. If you had treatment (as defined in the provision) within the designated time frame before coverage then your claim could very well be denied due to a pre-existing condition. If your claim is denied on account of same please feel free to contact our office to determine if there is anything we can do to assist you.

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