Mutual of Omaha is a rip off.

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 job right after I took out the policy. He chose to retire, he was not forced into retirement. Three months later, I had a hip replacement. You guessed it… they declined to pay because the doctor had prescribed 800 mg of Ibuprofen for me to take for pain. I held onto the insurance thinking if I ever needed it they would be there. Wrong again… had surgery August 19th (rotator cuff),filed for disability after my employer was assured I was covered. Three weeks later after going through 3 other companies to try and find out the problem, I was told I did not have short term disability. I only had Long term disability because I never signed a paper (that I never received in the mail) to have my allotment increased to cover your rate hike. Really? When cable raise your rates, they send you a letter informing you and then they raise your rates. I did file a complaint with the Insurance Commission in N.C., but later I was informed I would have to file it with the state of Va. because that’s where your company’s headquarters has run to. I have no disability coverage for this surgery and my last paycheck was $2.22. Thanks, Mutual of Omaha… Your soon to be former customer.