Mutual of Omaha Disability Claims
Our firm helps claimants overcome Mutual of Omaha's aggressive denial practices in short-term disability (“STD”) and long-term disability (“LTD”) claims.
General Claims Process
If you have not yet applied for benefits, we can help you get started with Mutual of Omaha. Initial applications include the submission of claim forms with medical and vocational details, along with supporting information from your treating doctor. Mutual of Omaha then reviews your claim for eligibility, often requesting more information or even an Independent Medical Examination (“IME”). Decisions are not immediate and guidelines for prompt decisions are not always followed. If your claim is denied, appeals must usually be submitted within 180 days with enhanced evidence focused on rebutting the reasons for the denial.
If Mutual of Omaha denies your initial application or claim, you have a right to appeal, and you usually must do so within 180 days of the denial. Appeals require robust evidence and focused arguments about how your functional limitations prevent you from performing job duties.
Unique Facts and Challenges
Mutual of Omaha uses "tolling" to extend review times and arguably makes repeated information requests to buy time to build a reason to deny your claim.
Reportedly, denials far outpace approvals, often for not meeting definitions or allegedly insufficient proof.
We navigate these to hopefully secure approvals. Get in touch for help with your Mutual of Omaha claim.
