I've been trying to get a MOO claim paid for 8 YEARS

I have been 8 years trying to get a claim paid for my wife , who has Huntington’s Disease. I live in a state that does not require a license for a Home Care sitter. They have denied 4 sitters because Mutual of Omaha said they were not properly licensed. They require an Agency. So, I got the largest firm in the area, that is also multi-state. They denied this claim because they said the sitter was not doing the required things. My wife’s policy pays $172.00 per day for in home care. The Agency pays $6.50 to $8.50 per hour and has an administration charge of over 1/2 of her benefits. I would like to see that benefit going to more hours for my wife’s care. That is if they every start paying for anything. For every 100k claims that Mutual Of Omaha has, they know how many will die this week. They don’t know who is going to die but they know HOW MANY ARE GOING TO DIE. That is statistics and their whole business is based on statistics. If they can deny a claim for 6 months, that makes that company a lot of money. If 6 years that is $595,680 for Nursing home or $297,840. for in home care. Some of their techniques, always communicate via phone, except to deny a claim. They will tell you one thing via phone and another when they have to write a letter. They use the same technique when communicating with a Home Care sitter. You get one statement over the pnone and another written.