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 continued. Out of the blue in October, 2014 an request for another IME (after we have attended several) was requested, he complied and the IME doctor found agreed with his doctors restrictions. Mutual of Omaha got 3 addendums from the IME doctor who finally agreed he could do full-time sedentary work. I found out 1/29/2014, the claim was denied as of 1/26/2015 becuase he no longer meets definition of disability as he can do sedentary work and earn a gainful salary. Really? When he couldn’t in 2009, so after another 5 years of not working and not doing anything he has “gained” transferrable skills. When I asked for a copy of the denial letter I was told it wasn’t written yet. So they denied him before they sent him notification? How can you retroactively stop benefits before any decision? Howe can someone who has done nothing but heavy manual labor all of his life, not have transferrable skills and be gainfully employed in 2009, but can in 2015? When nothing has changed, in fact he has more issues now than he did, but they only took the original back complain into consideration. Their physician, Dr. Reeder actually commented there was no proof of original injury, amazing considering worker’s compensation settled for almost maximum benefit due to the work related injury that started this claim. I think what has been done is unethical and I will fight it as far as I need to go. The claim was originally denied at day 45, despite having a clinical review in the file that said he was disabled, but they ran out of time. After appeal, it was overturned. The entire handling of this claim from day one has been terrible and the file will reflect that!
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 assist your husband in appealing the denial of his benefits.