Question

Why is MOO saying my husband does not have MS to receive LTD when they approved his STD because of MS? Should I hire an attorney?

Asked on September 21st 2012 by Marilyn Krebs
My husband was diagnosed with MS in February/2012. He tried to work for a few weeks, but he became worse. He applied for short term disability after his neurologist said he needed to stay away from work. Mutual of Omaha responded fairly quick and started receiving his check. They (Mutual of Omaha) led us to believe that should he need to go on long term disability, the process should be seamless. He received his last short term check the first week of June/2012. Then this crazy nightmare began. Giving us the run-around is an understatement. There were so many times they kept requesting more detailed records. The doctor was called many times and told us the requested records were sent to Mutual. Mutual would then say they did not receive the information. There has been two times after waiting for the insurance board to review, they came back and said that the medical records do not support a diagnosis of MS. My husband has been to four doctors, two very good neurologists among them, has had MRI’s, CAT scans, and numerous other tests. ALL of his doctors confirm MS is the diagnosis. Just yesterday, Mutual called and now says my husband must go get a third opinion from a doctor they pick and send him to. More waiting… My husband has not received a disability check from Mutual since June/2012. In the meantime, he applied for SSDI and has been accepted and approved. Believe me, that is a blessing! I am so puzzled as to why Mutual approved his short term disability because of a diagnosis of MS, but now they are saying the records do not support MS as a diagnosis for him to receive long term disability. I want to know: does Mutual of Omaha know something we don’t? Has my husband been cured of MS and they forgot to tell us? How can some mysterious heads sitting in some office at some table determine the welfare of my husband’s life? We are so at the end of our rope. Is is time to get an attorney?

Answer

Answered on December 22nd 2012 by Attorney Gregory Dell

Marilyn, Hiring an attorney is obviously optional, but you are trying to deal with a multi billion dollar insurance company that can afford to delay and possibly never pay your husband’s claim. Mutual of Omaha has the right to make decisions without ever having a doctor exam him. There are many things that can be done to make sure your husband is protecting his right to benefits. It would great if Mutual of Omaha had a cure for your husband and if they did I am sure you would give up his disability benefits. But let’s be honest, they don’t know more than your husband’s doctors and they are trying to build a strong claim in order to support a claim denial. Please contact us privately and we will discuss your husband’s claim options in detail.

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Mutual of Omaha Reviews
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Showing 8 of 15 Reviews
Mutual of Omaha

I do not understand how a “medical review team” who has never laid eyes on my wife can say she is able to return to work when her doctors who see her on a regular basis have documented that she can't

Reviewed by Dwight on November 14th 2017   Verified Policyholder
My wife fell three years ago and broke her back. She has been found permanently disabled and receives Social Security Disability Benefits. She has also been receiving Bene... read more >
Reply
Sent on November 14th 2017 by Attorney Stephen Jessup

Dwight, please feel free to contact our office to discuss the denial of your wife’s claim. It is unfortunately all too common that an insurance company denies benefit... read more >

Mutual of Omaha

THEY SCAMMED ME AND DID NOT CARE

Reviewed by Debbie on January 31st 2017   Verified Policyholder
We have had life insurance with Mutual of Omaha since 1998 with a chronic illness rider that we decided to use in 2016. Our policy was for 500k, they approved us for 66,95... read more >
Mutual of Omaha

This company is awful

Reviewed by Mike on December 17th 2015   Verified Policyholder
I think there should be laws put in to place to cover the average Joe. This company is awful. They say so much they don’t even know what lies they have told. My husband ... read more >
Mutual of Omaha

I would encourage anyone who has problems with Mutual of Omaha or United of Omaha to immediately contact an attorney.

Reviewed by Robbie Winder on July 24th 2015   Verified Policyholder
I would encourage anyone who has problems with Mutual of Omaha or United of Omaha to immediately contact an attorney. I want to talk about a specific situation in which I ... read more >
Mutual of Omaha

MOO attempted to strong arms me with collection tactics. Now, they're stalling

Reviewed by Jeff on February 11th 2015   Verified Policyholder
I was disabled in 2009 with a multitude of medical problems. I started a process with Mutual Of Omaha Disability. After months of jumping through hoops they finally decide... read more >
Mutual of Omaha

MOO stopped my husband's benefits before telling him. They handled his claim terribly

Reviewed by Jerry on January 30th 2015   Verified Policyholder
My husband has been on claim for disability insurance since July, 2008. He was found to be able to do sedentary work but had no transferrable skills in 8/2009 and benefits... read more >
Reply
Sent on January 30th 2015 by Attorney Gregory Dell

Jerry, you and your husband are certainly not alone in your dealings with Mutual of Omaha. Please feel free to contact our office to discuss how we may be able to assi... read more >

Mutual of Omaha

This company is very corrupt, Be aware

Reviewed by M. Girmes on January 28th 2014   Verified Policyholder
Please hesitate & educate yourself when deciding on short term or long term disability insurance via Mutual Of Omaha. The company is very corrupt. They speak to you like y... read more >
Mutual of Omaha

Mutual of Omaha is a rip off.

Reviewed by Genita Hill on November 13th 2013   Verified Policyholder
Mutual of Omaha is a rip off. When my husband died in 2011, they refused to pay his death benefit because they said he was disabled when I insured him. He retired from his... read more >
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Our goal is to get your application for disability income benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

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Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our attorneys for a free immediate review of your disability denial.

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We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

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Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

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Who are Dell Disability Lawyers?

We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 850 videos and regularly provide tips to help protect your disability benefits.

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Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

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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.

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No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. 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.

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When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers 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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