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Mutual of Omaha

MOO said they didn't receive my fax when I know for a fact they did

Item: Mutual of Omaha
Rating: 1
Author: Misty Bloodworth

Reviewed by Misty Bloodworth on December 10th 2011 Verified Policyholder

I filled a claim for Short Term Disability through my work and I know for a fact that my HR manager sent the fax in around Nov. 11th. I was off work from Oct. 31 to Nov. 27 and I am on intermittent leave now, but when I called to see why I hadn’t received my money yet at the first of Dec. they said that they never received my fax. I know for a fact they got it. This is ridiculous and I have been reading about Mutual of Omaha disability insurance and how they give you the run around. I had better be receiving my disibility pay really soon, or I will have to proceed with further action and get an attorney. I don’t even have my claim number yet. I pay into this weekly at work and if I don’t get my check very soon, as I said before, I will take further action.

Reply

Sent on December 10th 2011 by Attorney Gregory Dell

Misty, We sorry to hear about the difficulties you are experiencing with Mutual of Omaha. If you need assistance then feel free to contact us. You’re doing the right thing by staying on top of them.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options

Submit a Strong Mutual of Omaha Appeal Package

We work with you, your doctors, and other experts to submit a very strong Mutual of Omaha appeal.

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Sue Mutual of Omaha

We have filed thousands of disability denial lawsuits in federal Courts nationwide against Mutual of Omaha.

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We help claimants throughout the entire application process.

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Prevent a Mutual of Omaha Disability Benefit Denial

We manage every aspect of your disability claim following claim approval.

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Negotiate a Mutual of Omaha Lump-Sum Settlement

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Mutual of Omaha Reviews

(17)

Policy Holder Rating

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1.6 out of 5

Read 17 reviews

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58%

41%

Timely Payments

2.2out of 5

Handling Claim

1.8out of 5

Customer Service

1.8out of 5

Dependable

1.7out of 5

Value

1.9out of 5

Showing 4 of 17 Reviews

Mutual of Omaha

DENIED PRE-EXISTING

Reviewed by Blackmon on March 19th 2026 Verified Policyholder | February 2026 date of disability

I filed a claim with Mutual of Omaha because I had a hip replacement surgery. My family doctor referred me to an orthopedic surgeon. Mutual of Omaha denied my claim saying...

Mutual of Omaha

90 days and still waiting

Reviewed by Cheryl on July 26th 2025 Verified Policyholder | July 2024 date of disability

I filed for benefits in July, 2024 with an effective date of 7/30 (after the 14 day wait) and today is October 18th and my claim is still pending. They either don't want t...

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...

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 benefits b...

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...

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Answered Questions by Our Lawyers

(19)

Showing 4 of 19 Answered Questions

Q: Can I get my disability payments on different health problems that I originally had?

Answered on May 5th 2026 by Attorney Gregory Dell

A: If you develop a secondary condition that is disabling and it develops while you are on long term disability, ...

Q: Can I ask for another appeal?

Answered on July 13th 2020 by Attorney Alex Palamara

A: Giovanna, you should consult with the attorney(s) that represented you in your appeal to the Third District Co...

Q: I'm in jeopardy of losing everything because of MOO. Can you help?

Answered on March 3rd 2020 by Attorney Alex Palamara

A: Amy, first and foremost, I am sorry to hear of MOO’s delay tactics and the fact that they sound like they mi...

Q: Can MOO deny my claim on the basis of preexisting condition when my condition is not preexisting?

Answered on October 27th 2018 by Attorney Gregory Dell

A: Doomed, if your claim has been denied then Mutual of Omaha will give you the right to appeal. Pre-existing con...

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Helpful Videos

(955)

Showing 12 of 955 Videos

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Disability Benefit Tips

(333)

Showing 4 of 333 Benefit Tips

What is a "Gainful Occupation" under a Disability Insurance Policy?

Disability insurers define “gainful occupation” differently. Learn what it means and how it impacts your eligibility for benefits.

Can my insurance carrier deny my benefits even if there is no change in my medical condition?

Disability Insurance Companies may deny claims even if your condition hasn’t changed. Learn why this happens and how to fight back effectively.

Your Doctor Should NEVER Talk to a Disability Company Without Permission

Disability insurers often cold-call your treating doctor and use quick, out-of-context answers to deny your claim. Learn why you should never let your doctor speak to the insurance company without your permission.

Waiver of Life Insurance Premium Denials Can Lead to LTD Denial

A waiver of premium denial on your group life insurance is often a warning sign that a long-term disability denial is next. Learn why these denials matter and how to respond.

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Our Resolved Claims

(412)

Showing 4 of 412 Resolved Claims

After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned previous denial of short term disability benefits for Maine Senior Software Engineer

Our law firm helped a Software Engineer with Chronic Pain win a Mutual of Omaha LTD insurance Appeal. See how we won & get a free legal case review

After an appeal, a former Director of Information Security, gets disability benefits approved for mental health disorder. The fight for long term disability benefits for client’s physical limitations continues

Our attorneys helped a Security Director with Somatic Symptom Disorder win a Mutual of Omaha LTD insurance Appeal. See how we won & get a free legal case review

United of Omaha overturns decision to deny benefits to disabled Quality Assurance Manager after Appeal discredits its medical review and vocational assessment

Our law firm helped a QA Manager with Shoulder Disorders win a United Of Omaha LTD insurance Appeal. See how we won & get a free legal case review

After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned its previous denial of short term disability benefits for Colorado Senior Manager

Our law firm helped a Manager with Fibromyalgia win a Mutual of Omaha LTD insurance Appeal. See how we won & get a free legal case review

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Disability Lawsuit Stories

(766)

Showing 4 of 766 Lawsuit Stories

Mutual of Omaha Disability Denial Upheld by Appellate Court

Appellate Court held that Omaha's denial of benefits was based on substantial evidence so, it was not arbitrary and capricious.

Court Rules Against United of Omaha's Determination of Disability Date

Tenth Circuit appellate court finds United of Omaha Life Insurance was arbitrary and capricious when it disagreed with the date claimant alleged he became disabled.

United of Omaha criticized for relying on in-house medical review and failing to obtain independent examinations

Illinois District court places no significance on treating physician's silence to biased opinion letter.

California Court Rules Disability Claim Accrues When Disability Terminates

California court rules against United of Omaha and finds that the statute of limitations begins to run when the disability terminates, not at its onset.

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Reviews from Our Clients

Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

View All Reviews (503)

MOO said they didn't receive my fax when I know for a fact they did

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Resources to Help You Win Disability Benefits

Submit a Strong Mutual of Omaha Appeal Package

Sue Mutual of Omaha

Get Your Mutual of Omaha Disability Application Approved

Prevent a Mutual of Omaha Disability Benefit Denial

Negotiate a Mutual of Omaha Lump-Sum Settlement

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